G4 Financial Planning

Yes. As a registered investment advisor, G4 Financial Planning is legally bound by the Investment Advisers Act of 1940 to act as a fiduciary. This means the firm must place its clients' interests ahead of its own and fully disclose any conflicts of interest. A firm's Form ADV Part 2A brochure, publicly available through the SEC's Investment Adviser Public Disclosure website, outlines these obligations.

G4 Financial Planning operates as a fee-only firm. Fee-only advisors are compensated directly by their clients, typically through a percentage of assets under management, a flat annual retainer, or an hourly rate. This model eliminates the conflict of interest inherent in commission-based compensation, where an advisor receives a payment from a third party for recommending a particular product.

The firm focuses on individuals, families, and small business owners, with an emphasis on clients who are approaching or already in retirement. Its service model is built around comprehensive financial planning rather than standalone investment management. Specific client counts, minimum asset thresholds, or professional designations held by firm principals are not publicly available.

The firm constructs diversified portfolios using low-cost exchange-traded funds and mutual funds, avoiding high-commission products. Asset allocation decisions are driven by each client's risk tolerance, time horizon, and income needs in retirement. There is no publicly available information suggesting the firm engages in direct private equity, venture capital, or hedge fund allocations.

An investor can review the firm's Form ADV and any disciplinary events through the SEC's Investment Adviser Public Disclosure website. As a registered investment advisor, G4 Financial Planning is required to file an annual amendment to Form ADV that includes its brochure, which must disclose material changes or disciplinary actions. Absent this filing review, the firm's full regulatory history remains unverified.