# 4THOUGHT Financial Group Inc.

> 4THOUGHT Financial Group Inc. is an SEC-registered investment advisory firm in Syosset, NY, registered since 2012, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated January 5, 2026.

- CRD: 162997
- Filed as: 4THOUGHT FINANCIAL GROUP INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Syosset, NY
- Filing period: October 2026
- Form ADV filing dated: January 5, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/162997
- AdvisorCensus page: https://advisorcensus.com/firm/4thought-financial-group-inc-syosset-ny-162997

## Quick answers

**How is 4THOUGHT Financial Group Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), 4THOUGHT Financial Group Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; subscription fees (for a newsletter or periodical); fixed fees (other than subscription fees).

**Where is 4THOUGHT Financial Group Inc. located?**
4THOUGHT Financial Group Inc.'s principal office is in Syosset, NY, according to its Form ADV.

**Is 4THOUGHT Financial Group Inc. registered with the SEC or a state?**
4THOUGHT Financial Group Inc. is an SEC-registered investment advisory firm, registered since 2012. Status as filed: Approved. CRD 162997.

**How much does 4THOUGHT Financial Group Inc. manage?**
4THOUGHT Financial Group Inc. reports $214,345,250 in regulatory assets under management in its Form ADV filing dated January 5, 2026 (97% discretionary).

**How have 4THOUGHT Financial Group Inc.'s assets and staff changed since 2021?**
In the Form ADV data for 4THOUGHT Financial Group Inc.: Regulatory assets under management: $112,451,849 in the October 2021 data and $214,345,250 in the October 2026 data, up 91%. Total employees: 6 in October 2021 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does 4THOUGHT Financial Group Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (297); pension and profit sharing plans (but not the plan participants or government pension plans) (42); corporations or other businesses not listed above (5).

**Which custodians does 4THOUGHT Financial Group Inc. use?**
4THOUGHT Financial Group Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Goldman Sachs Custody Solutions as a custodian holding 10% or more of its separately managed account assets.

**Does 4THOUGHT Financial Group Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/162997

**What changed in 4THOUGHT Financial Group Inc.'s recent Form ADV filings?**
In the February 2026 filing data: Regulatory assets under management went from $178,472,877 to $214,345,250 (+20%). Employees performing advisory functions went from 4 to 5.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Subscription fees (for a newsletter or periodical)
- Fixed fees (other than subscription fees)

### Custodians (Schedule D, Section 5.K(3))
- Goldman Sachs Custody Solutions

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $214,345,250
- Discretionary: $208,916,460
- Non-discretionary: $5,428,790

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 297 | $171,011,583 |
| High net worth individuals | Fewer than 5 | Not reported |
| Banking or thrift institutions | Fewer than 5 | Not reported |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 42 | $37,401,779 |
| Charitable organizations | Fewer than 5 | Not reported |
| State or municipal government entities (including government pension plans) | Fewer than 5 | Not reported |
| Other investment advisers | Fewer than 5 | Not reported |
| Insurance companies | Fewer than 5 | Not reported |
| Sovereign wealth funds and foreign official institutions | Fewer than 5 | Not reported |
| Corporations or other businesses not listed above | 5 | $5,931,888 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services
- Selection of other advisers (including private fund managers)
- Publication of periodicals or newsletters

### Firm details
- Registered since: 2012 (14 years)
- Employees: 6 total, 5 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: CA, CT, FL, MA, NJ, NY
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- 4tfg.com
- Facebook @4THOUGHTFINANCIALGROUP
- LinkedIn @3043702
- YouTube @UCEHRK-25mAwfTlNzdvFSN3g

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $112,451,849 | 6 | January 5, 2021 |
| October 2022 | $137,532,659 | 6 | January 5, 2022 |
| October 2023 | $119,681,745 | 6 | January 4, 2023 |
| October 2024 | $146,661,301 | 5 | June 25, 2024 |
| October 2025 | $178,472,877 | 5 | January 3, 2025 |
| October 2026 | $214,345,250 | 6 | January 5, 2026 |

Regulatory assets under management: $112,451,849 in the October 2021 data and $214,345,250 in the October 2026 data, up 91%.
Total employees: 6 in October 2021 and 6 in October 2026.

## Changes in the filing (last 12 months)

### February 2026
- Regulatory assets under management went from $178,472,877 to $214,345,250 (+20%).
- Employees performing advisory functions went from 4 to 5.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. 4THOUGHT Financial Group Inc. (CRD 162997): Form ADV filing data as of October 2026.