4Thought Financial Group provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, and publishing newsletters. Financial planning was provided to 1–10 clients last fiscal year.
4Thought Financial Group reports 344 clients. They include 297 individuals, 42 pension and profit-sharing plans, and 5 corporations and other businesses. Of its assets, 97.5% ($209M across 843 accounts) are managed with discretion; $5.43M across 26 accounts are not. A wrap fee program the firm both sponsors and manages holds $209M.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 86% | 80% |
| High-net-worth individuals | Fewer than 5 | 0% |
| Banking or thrift institutions | Fewer than 5 | 0% |
| Pension and profit-sharing plans | 12% | 17% |
| Charitable organizations | Fewer than 5 | 0% |
| Other client typesState or municipal government entities; Other investment advisers; Insurance companies; Sovereign wealth funds and foreign official institutions; Corporations and other businesses | 1% | 3% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 297 | $171M | 79.8% | $576K |
| High-net-worth individuals | Fewer than 5 | $0 | 0.0% | — |
| Banking or thrift institutions | Fewer than 5 | $0 | 0.0% | — |
| Pension and profit-sharing plans | 42 | $37.4M | 17.4% | $891K |
| Charitable organizations | Fewer than 5 | $0 | 0.0% | — |
| State or municipal government entities | Fewer than 5 | $0 | 0.0% | — |
| Other investment advisers | Fewer than 5 | $0 | 0.0% | — |
| Insurance companies | Fewer than 5 | $0 | 0.0% | — |
| Sovereign wealth funds and foreign official institutions | Fewer than 5 | $0 | 0.0% | — |
| Corporations and other businesses | 5 | $5.93M | 2.8% | $1.19M |
| Total | 344 | $214M | 100% | — |
- Clients
- 297
- Regulatory AUM
- $171M
- AUM share
- 79.8%
- Avg. per client
- $576K
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- 42
- Regulatory AUM
- $37.4M
- AUM share
- 17.4%
- Avg. per client
- $891K
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- 5
- Regulatory AUM
- $5.93M
- AUM share
- 2.8%
- Avg. per client
- $1.19M
Total
- Clients
- 344
- Regulatory AUM
- $214M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
4Thought Financial Group is paid through a percentage of assets under management, hourly charges, subscription fees and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 4 other services, listed under fee details.
Fee details and sources
Other fees
- Hourly Rate Consultation
- Client-requested investment research and advice for implementation through other providers; minimum fee $200 per hour.
- One-Time Portfolio Allocation Analysis
- Single-objective allocation analysis for implementation outside 4Thought; minimum fee $400.
- Personal Financial Planning
- Fees based on planning complexity and negotiable; one-time fees are half paid up front; subscription minimum $100 per month, no maximum, rising 3% a year; hourly planning at IAR discretion.
- Retirement Plan Services
- Total fees of 0.55% to 1.55% a year: custody and brokerage 0.08%, portfolio management 0.47%, and IAR/solicitor fees 0% to 1.00%, for the wrap program.
Jesse Mackey owns 25% to 50% of 4Thought Financial Group. Jesse Mackey is CEO; the leadership team includes Chief Financial Officer Daniel Mackey. It has 6 employees, 5 of them in advisory roles.
Leadership
Jesse MackeyChief Executive Officer, Chief Compliance Officer, Chief Investment Officer, Shareholder
Daniel MackeyChief Financial Officer, Investor Relations Officer, Shareholder
Martin LevineChief Marketing Officer, Shareholder
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
Staff
- 6 employees
- 5 in advisory functions
- 5 state-registered reps
- 5 insurance agents
- 26 soliciting firms
- Owns 25% to 50% of 4thought Financial Group Inc.
Jesse Mackey
Control person · since December 2010
- Owns 25% to 50% of 4thought Financial Group Inc.
Martin Levine
Control person · since December 2010
- Owns 25% to 50% of 4thought Financial Group Inc.
Daniel Mackey
Control person · since June 2020
4Thought Financial Group’s regulatory assets grew 1.9× from $112M (January 2021) to $214M (January 2026); clients rose from 272 to 344 and employees were 6 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| January 2026 | $214M | 344 | 6 | 1 |
| January 2025 | $178M | 314 | 5 | 1 |
| June 2024 | $147M | 302 | 5 | 1 |
| January 2023 | $120M | 340 | 6 | 1 |
| January 2022 | $138M | 303 | 6 | 1 |
| January 2021 | $112M | 272 | 6 | 1 |
Besides its headquarters, 4Thought Financial Group has 0 offices, with 1 listed address in New York.
New York · 1 listed address
- 6851 Jericho Turnpike, Suite 120, SyossetHQ
Contact and registration details
- Legal name
- 4thought Financial Group Inc.
- Headquarters
- 6851 Jericho Turnpike, Suite 120, Syosset, NY 11791
- Website
- 4tfg.com
- Phone
- 516-300-1617
- @3043702
- SEC file
- 801-74692
- Structure
- New York corporation
- Fiscal year end
- December
4Thought Financial Group uses Folio Investments ($144M) as custodian for its separately managed accounts. 4Thought Financial Group does not have custody of client assets.
- Folio InvestmentsFolio Investments, Inc. · McLean, VA · $144M100%
At year end, 4Thought Financial Group’s separately managed accounts were mostly in stocks (99%). Its reported 13F holdings for the quarter ended 30 June 2026 total $213M across 99 positions; the largest are State Str SPDR S&P 500 ETF T (29.6%), iShares TR (7.0%) and Vanguard Index Fds (5.7%).
What the accounts hold
- Stocks99%
- Cash1%
Reported 13F holdings
- $213M
- Reported 13F value
- 99
- Positions
- 69.4%
- In the 10 largest
- +5.2%
- Value vs. prior quarter
- State Str SPDR S&P 500 ETF T · TR Unit29.6%
- iShares TR · Core S&P500 ETF7.0%
- Vanguard Index Fds · Mid Cap ETF5.7%
- iShares TR · Core S&P Scp ETF5.6%
- iShares TR · MSCI Eafe ETF4.5%
- Vanguard Intl Equity Index F · FTSE Emr Mkt ETF4.5%
- iShares TR · 20 YR TR BD ETF3.5%
- iShares TR · Ibonds 27 ETF3.0%
- iShares TR · Ibonds Dec 20303.0%
- iShares TR · Ibonds Dec 20323.0%
Together, the ten largest are 69.4% of reported value.
How many clients does 4Thought Financial Group have?
4Thought Financial Group has 344 clients and manages $214 million for them, as of January 2026. They include 297 individuals, 42 pension and profit-sharing plans, and 5 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 5 January 2026
What services does 4Thought Financial Group offer?
4Thought Financial Group provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, and publishing newsletters.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does 4Thought Financial Group use?
4Thought Financial Group’s separately managed account assets are held at Folio Investments, Inc. (McLean, VA), with $144M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 5 January 2026
How many financial advisors does 4Thought Financial Group have?
4Thought Financial Group has 5 investment adviser representatives registered with state securities authorities, out of 6 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 5 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does 4Thought Financial Group invest in?
At the end of its last fiscal year, 4Thought Financial Group’s separately managed accounts held 99% exchange-traded equities and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns 4Thought Financial Group?
4Thought Financial Group’s direct owners are Jesse Mackey, Martin Levine and Daniel Mackey, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 5 January 2026
How does 4Thought Financial Group get paid?
4Thought Financial Group is paid through a percentage of assets under management, hourly charges, subscription fees and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is 4Thought Financial Group registered with the SEC?
Yes, 4Thought Financial Group has been registered with the SEC as an investment adviser since 2 April 2012. Its CRD number is 162997 and its SEC file number is 801-74692.
Source: Form ADV Part 1A, Item 1, filed 5 January 2026; IAPD firm record
How do I contact 4Thought Financial Group?
4Thought Financial Group’s main office is at 6851 Jericho Turnpike, Suite 120, Syosset, NY 11791. Its phone number is 516-300-1617. Its website is 4tfg.com.