Four Seasons Investment Management LLC

Four Seasons Investment Management is a fee-only, state-registered independent advisor that serves individual investors (both non‑high‑net‑worth and high‑net‑worth), trusts, endowments and select business entities. It offers limited engagement hourly advice called “Custom Consultancy,” an ongoing discretionary wrapped investment management program, and periodic educational seminars; the wrapped program generally requires a household relationship of at least $350,000 while the hourly service has no stated minimum.

The firm manages portfolios under a fiduciary Prudent Investor Standard and pursues globally diversified allocations across cash equivalents, fixed income and equities, with an emphasis on tax sensitivity in taxable accounts and limited trading. Its process includes GARP (growth‑at‑a‑reasonable‑price) equity selection, limits on single‑security concentrations (initial positions typically no more than 5% and proactive reductions above 10%), laddered fixed‑income positions held to maturity when appropriate, and periodic monitoring of holdings.

Notable differences from many peers include sponsorship of a bundled wrap‑fee program administered through SEI Private Trust Company that covers transaction and custody costs, and the firm’s regular offering of educational seminars (often complimentary or low‑cost), both of which are uncommon among similar independent solo advisors. The practice is small and closely held — with roughly $12.7 million in wrapped assets and a single principal who has extensive institutional fiduciary experience and invests alongside clients — factors that affect how services are delivered and supervised.