4 SEASONS ADVISORS

Overview

4 Seasons Advisors is a small, independent registered investment adviser that combines fee-based financial planning with insurance brokerage services and client education. The firm focuses on individual and family clients, delivering advice and workshops alongside implementation through both percentage-of-AUM and fixed-fee arrangements. Investment activity is modest in scale and centered on publicly traded equities—implemented primarily through exchange-traded instruments—reflecting a preference for liquid, transparent holdings rather than complex or heavily structured strategies. The firm is not positioned as a multi-state or pension consultant, and it does not identify as an active ESG investor. Clients appear to retain trading authority in practice: the entire asset base is reported as non-discretionary, which indicates the adviser typically provides recommendations and planning while execution decisions remain with the client or are implemented with client approval. The insurance broker role is a notable part of the firm’s business mix, suggesting income and client relationships are supported by insurance products in addition to investment advisory fees. Educational seminars and workshops are part of the firm’s service offering, signaling a focus on financial literacy and hands-on client engagement.

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Location & Offices