A4 Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, selecting other managers, publishing newsletters, and educational seminars. Financial planning was provided to 1–10 clients last fiscal year.
A4 Wealth Advisors reports 587 clients. They include 441 individual clients and 146 high-net-worth individuals. Of its assets, 95.7% ($204M across 1,311 accounts) are managed with discretion; $9.25M across 55 accounts are not. It advised 8 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 75% | 34% |
| High-net-worth individuals | 25% | 66% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 441 | $72.5M | 33.9% | $164K |
| High-net-worth individuals | 146 | $141M | 66.1% | $967K |
| Total | 587 | $214M | 100% | $364K |
- Clients
- 441
- Regulatory AUM
- $72.5M
- AUM share
- 33.9%
- Avg. per client
- $164K
- Clients
- 146
- Regulatory AUM
- $141M
- AUM share
- 66.1%
- Avg. per client
- $967K
Total
- Clients
- 587
- Regulatory AUM
- $214M
- AUM share
- 100%
- Avg. per client
- $364K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 8
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
A4 Wealth Advisors charges 0.80%–1.60% a year for its Asset Management. The fee is billed in arrears, is negotiable and requires an account of at least $500,000. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Assets Held Away
- Assets held away from A4 management are charged an annual fee of 0.60%, billed quarterly in arrears.
- Financial Planning
- Negotiable fixed fee of $500 to $5,000 based on complexity, or hourly at $350 per hour; estimated fee paid at signing.
John Balcerzak owns 75% or more of A4 Wealth Advisors. The leadership team of A4 Wealth Advisors includes Chief Compliance Officer Heather Fowler. It has 7 employees.
Leadership
Heather FowlerChief Compliance Officer/ Investment Advisor Representative- John BalcerzakManaging Member
Investment adviser representatives
6 representatives listed in the SEC register as of 9 October 2026.
Staff
- 7 employees
- 7 in advisory functions
- 7 state-registered reps
- 1 broker-dealer rep
- 6 insurance agents
- Owns 75% or more of A4 Wealth Advisors LLC
John Balcerzak
Control person · since April 2010
A4 Wealth Advisors’ regulatory assets grew 1.8× from $116M (June 2022) to $214M (September 2026); clients rose from 392 to 587 and employees from 3 to 7.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $214M | 587 | 7 | 1 |
| May 2025 | $179M | 555 | 5 | 2 |
| May 2024 | $145M | 493 | 5 | 3 |
| May 2023 | $126M | 623 | 4 | 3 |
| June 2022 | $116M | 392 | 3 | 3 |
Besides its headquarters, A4 Wealth Advisors has 0 offices, with 1 listed address in North Carolina.
North Carolina · 1 listed address
- 16140 Northcross Drive, HuntersvilleHQ
Contact and registration details
- Legal name
- A4 Wealth Advisors LLC
- Headquarters
- 16140 Northcross Drive, Huntersville, NC 28078
- Website
- a4wealth.com
- Phone
- 704-509-1141
- @a4-wealth-advisors-llc
- SEC file
- 801-125825
- Structure
- North Carolina LLC
- Fiscal year end
- December
A4 Wealth Advisors uses Charles Schwab ($199M) as custodian for its separately managed accounts. A4 Wealth Advisors has custody of $5.02M in client assets for 14 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $199M100%
At year end, A4 Wealth Advisors’ separately managed accounts were mostly in stocks (62%) and funds (12%). Its reported 13F holdings for the quarter ended 30 June 2026 total $151M across 92 positions; the largest are Vanguard Index Fds (12.7%), Blackrock ETF Trust (8.6%) and iShares TR (6.9%).
What the accounts hold
- Stocks62%
- Funds12%
- Cash3%
- Other23%
- Non-traded reits, structured notes, ria fee based annuities.23%
Reported 13F holdings
- $151M
- Reported 13F value
- 92
- Positions
- 58.0%
- In the 10 largest
- +23.2%
- Value vs. prior quarter
- Vanguard Index Fds · S&P 500 ETF Shs12.7%
- Blackrock ETF Trust · Isha IN Ctry ETF8.6%
- iShares TR · S&P 500 Grwt ETF6.9%
- Blackrock ETF Trust · iShares US Equit6.8%
- iShares TR · S&P 500 Val ETF6.2%
- Schwab Strategic TR · Int-trm U.s Tres4.5%
- Blackrock ETF Trust · Isha I IN TE ETF4.0%
- iShares Inc. · Core MSCI Emkt2.8%
- Invesco Exch Traded FD TR II · S&P 500 Momntm2.8%
- Blackrock ETF Trust · Isha Syst AL ETF2.7%
Together, the ten largest are 58.0% of reported value.
How many clients does A4 Wealth Advisors have?
A4 Wealth Advisors has 587 clients and manages $214 million for them, as of September 2026. They include 441 individual clients and 146 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 30 September 2026
What services does A4 Wealth Advisors offer?
A4 Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, selecting other managers, publishing newsletters, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does A4 Wealth Advisors charge?
A4 Wealth Advisors charges 0.80%–1.60% a year for its Asset Management. The fee is billed in arrears, is negotiable and requires an account of at least $500,000.
Which custodians does A4 Wealth Advisors use?
A4 Wealth Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $199M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 September 2026
How many financial advisors does A4 Wealth Advisors have?
A4 Wealth Advisors has 7 investment adviser representatives registered with state securities authorities, out of 7 employees, and 7 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 6 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 A4 Wealth Advisors invest in?
At the end of its last fiscal year, A4 Wealth Advisors’ separately managed accounts held 62% exchange-traded equities, 23% other, 12% registered funds (mutual funds, ETFs, BDCs) and 3% cash and equivalents. The 23% other category is described as: Non-Traded Reits, Structured Notes, RIA Fee Based Annuities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does A4 Wealth Advisors have a minimum investment?
Yes, A4 Wealth Advisors’ minimum account size for its Asset Management is $500K.
Who owns A4 Wealth Advisors?
A4 Wealth Advisors’ direct owner is John Balcerzak (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 30 September 2026
How does A4 Wealth Advisors get paid?
A4 Wealth Advisors is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. 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
How do I contact A4 Wealth Advisors?
A4 Wealth Advisors’ main office is at 16140 Northcross Drive, Huntersville, NC 28078. Its phone number is 704-509-1141. Its website is a4wealth.com.