DFX Intelligence
RIA Intelligence
Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.
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SEC-registered adviser
F••• F•••••••• M•••••••••
Legal name M•••••• K•••••• B•••••••• A•• F••••••• L••
Latest filing Mar 18, 2026
First filing on the tape Dec 6, 2023 · 6 filings
SEC status approved since Jan 25, 2024
RAUM
$163M
reported, Item 5.F
Discretionary
100%
of RAUM
Private clients
100%
$163M individuals and HNW
Advisors
6
registered through the firm on IAPD
RAUM per advisor
$27.1M
derived; firm RAUM over IAPD count
Employees
7
6 advisory (5.B.1)
Offices
1
beyond the principal office
Private funds
0
reported on Schedule D
History
6 filings and snapshots on the tape
RAUM$163M as of Mar 18, 2026
Mar 22, 2024$120M then
HNW client RAUM$82.4M as of Mar 18, 2026
Mar 22, 2024$83.7M then
State-registered IARs (5.B.3)6 as of Mar 18, 2026
Mar 22, 20246 then
Employees (5.A)7 as of Mar 18, 2026
Mar 22, 20246 then
Private funds: no history
RAUM +9.8% over the last fiscal yearIARs 6 to 6
Practice profile
derived from the filing of Mar 18, 2026; every figure names its basis
Archetypes, each a printed rule
- HNW wealth manager · private-client share of RAUM at least 50 percent and HNW share of private-client RAUM 50 to 90 percent
- Wrap program sponsor · sponsors a wrap fee program (5.I) with at least $100M of wrap assets
- RAUM per advisor
- $27.1MderivedRAUM over IAPD advisors; not a book size
- Clients per advisor
- 59derivedindividual and HNW clients (5.D) over advisors
- Average HNW client
- $2.0MderivedHNW RAUM over HNW clients
- Average account
- $271,092derivedRAUM over accounts (5.F.2.f)
- Discretionary
- 100%derivedof RAUM
- Institutional
- 0.0%derivedpensions, charities, corporations, government, insurance, banks, other advisers
- Employees per advisor
- 1.2derivedItem 5.A over advisors
- Advisors per office
- 3.0derived2 offices incl. principal (1.F.5)
- RAUM growth, one year
- +9.8%derivedbetween the last two annual amendments
- Advisor growth, one year
- +0.0%derivedItem 5.B.3 between annual amendments
- Client growth, one year
- +5.1%derived
- Compensation
- percentage of assets, hourly, fixed feesreportedItem 5.E
- Advisory activities
- financial planning, portfolio management for individuals, selection of other advisersreportedItem 5.G
- Wrap fee program
- $163MreportedItem 5.I
- Custody
- $13.2M, 10 clientsreportedItem 9.A
- Ownership
- no PE, bank or public-company owner found on Schedule Aderived
- Advisor book size
- not public; not estimatedreported
Also answered yes on Form ADV
- is an insurance broker or agent (6.A.6)
- buys or sells securities as principal to or from clients (8.A.2)
- has discretionary authority over which securities are bought or sold (8.C.1)
- receives research or other products from a broker-dealer, soft dollars (8.E)
- has custody of client cash or bank accounts (9.A.1.a)
- has custody of client securities (9.A.1.b)
Where the RAUM sits
Form ADV Item 5.D, latest filing
- High-net-worth individuals$82.4M51%
- Individuals$80.2M49%
- Individual clients
- 312reported
- HNW clients
- 41reported
- Pension plan clients
- n/areported
- Charitable clients
- n/areported
- Accounts
- 600reported
- Financial planning clients
- 1-10reported
- Wrap fee programs
- $0 sponsored, $0 managedreported
- Custody of client assets
- $13.2M for 10 clientsreported
- Compensation
- % of AUM, fixed, hourlyreported
- Class basis
- private_client_share=1.0 fund_share=0.0 institutional_share=0.0 related_bd=true related_bank=false bd_reps=6.0derived
Advisors registered through the firm
6 on IAPD today, longest tenure first
| Name | Branch | Here since | In industry | Prior firms |
|---|---|---|---|---|
| S•••••• M••••• M••••• | Ann Arbor, Mi | Oct 21, 2016 | 41 y | 1 |
| M•••••• T••••• K••••• | Ann Arbor, Mi | Oct 21, 2016 | 27 y | 0 |
| D•••• L•••• F•••••• | Ann Arbor, Mi | Oct 25, 2016 | 25 y | 1 |
| A••• J•••• B•••••••• | Ann Arbor, Mi | Oct 25, 2016 | 27 y | 0 |
| C•••• S•••••• W•••• | Ann Arbor, Mi | Jul 12, 2022 | 24 y | 2 |
| C••••••• R•••••• S•••• | Charlotte, Nc | Feb 13, 2025 | 12 y | 0 |
Advisor movement
0 left, 0 joined in 12 months
net 0 in 12 months0 left in 90 days0 joined in 90 daysdeparture rate 0.0% of current headcount0 left over 36 months
Left, latest
none on the tape
Joined, latest
- C•••• S•••••• W•••• from L•• F•••••••• L••Jul 12, 2022 · Other
- D•••• L•••• F•••••• from A••••••••• A•••••• S•••••••• I•••Oct 25, 2016 · Other
- S•••••• M••••• M••••• from A••••••••• A•••••• S•••••••• I•••Oct 21, 2016 · Other
Private funds
No private fund reported.
Owners and control persons
Schedule A and B, latest filing
- B••••••••• A•••• J•••• · Managing Member/Shareholdercontrolsince 06/2016 · owns 25% to 50%
- F••••••• D••••• L•••• · Member/Cco/Shareholdercontrolsince 06/2016 · owns 25% to 50%
- K•••••• M••••••• T••••• · Member/Shareholdercontrolsince 06/2016 · owns 25% to 50%
- M•••••• S••••••• M••••• · Member/Shareholdercontrolsince 06/2016 · owns 25% to 50%
Related persons
Schedule D 7.A
- A••• B••••••••broker-dealerinvestment adviserinsurancereal estatey
- D•••• F••••••broker-dealerinvestment adviserinsurancereal estatey
- F••• F•••••••• T•• S•••••••insurancen
- P••••••investment advisernRAUM $76.5M
- M•••••• T• K•••••broker-dealerinvestment adviserinsurancereal estatey
- S•••••• M• M•••••broker-dealerinvestment adviserinsurancereal estatey
Office movement
IAPD branch city; joins and departures in 12 months
| Office | Advisors | Joined | Left | Teams out | Forming |
|---|---|---|---|---|---|
| Ann Arbor, Mi · principal | 6 | 0 | 0 |
Offices
Schedule D 1.F, the 25 largest
- , 1 employees
ADV anomalies
1 against comparable advisers; where to look, not conclusions
- HNW share shiftChange between filings · filing Mar 18, 2026HNW share of RAUM moved from 80.0% to 51.0% between the annual amendments of 2025-02-25 and 2026-03-18peers: independent wealth managers, $100M to $500M (5,678)
What changed
consecutive filings, newest first
- Accounts · 575 to 600Feb 25, 2025 to Mar 18, 2026
- HNW clients · 52 to 41Feb 25, 2025 to Mar 18, 2026
- Individual clients · 284 to 312Feb 25, 2025 to Mar 18, 2026
- Employees · 6 to 7Feb 25, 2025 to Mar 18, 2026
- Discretionary RAUM · $148M to $163MFeb 25, 2025 to Mar 18, 2026
- HNW RAUM · $118M to $82.4MFeb 25, 2025 to Mar 18, 2026
- Individual RAUM · $30.2M to $80.2MFeb 25, 2025 to Mar 18, 2026
- RAUM · $148M to $163MFeb 25, 2025 to Mar 18, 2026
- Accounts · 566 to 575Aug 2, 2024 to Feb 25, 2025
- HNW clients · 41 to 52Aug 2, 2024 to Feb 25, 2025
- Individual clients · 289 to 284Aug 2, 2024 to Feb 25, 2025
- Assets in custody · unset to 13239434.0Aug 2, 2024 to Feb 25, 2025
- Custody of client assets · false to trueAug 2, 2024 to Feb 25, 2025
- Financial planning clients · 1-10 to 1-10Aug 2, 2024 to Feb 25, 2025
- Discretionary RAUM · $120M to $148MAug 2, 2024 to Feb 25, 2025
- HNW RAUM · $83.7M to $118MAug 2, 2024 to Feb 25, 2025
- Individual RAUM · $36.1M to $30.2MAug 2, 2024 to Feb 25, 2025
- RAUM · $120M to $148MAug 2, 2024 to Feb 25, 2025
- Wrap assets (sponsor) · $500,000 to $0Aug 2, 2024 to Feb 25, 2025
- Other offices · 0 to 1Mar 22, 2024 to Aug 2, 2024
- Accounts · 567 to 566Jan 24, 2024 to Mar 22, 2024
- HNW clients · 35 to 41Jan 24, 2024 to Mar 22, 2024
- Individual clients · 310 to 289Jan 24, 2024 to Mar 22, 2024
- Assets in custody · 20008038.0 to unsetJan 24, 2024 to Mar 22, 2024
- Discretionary RAUM · $115M to $120MJan 24, 2024 to Mar 22, 2024
- HNW RAUM · $34.8M to $83.7MJan 24, 2024 to Mar 22, 2024
- Individual RAUM · $79.8M to $36.1MJan 24, 2024 to Mar 22, 2024
- RAUM · $115M to $120MJan 24, 2024 to Mar 22, 2024
- Wrap assets (sponsor) · $400,000 to $500,000Jan 24, 2024 to Mar 22, 2024
Signals
1 dated events
- F••• F•••••••• M••••••••• filed its initial SEC registration (Form ADV)Dec 6, 2023 · First SEC registration · fact
Across DFX
shared identifiers only, never a name match
No identifier-backed link to the venture, private equity, family office or sponsor graphs.
How to reach
public business contact points only, each with its source
- Business email
- info@fourfinancial.comreportedpublished by the firm, firm site, Sep 17, 2026
- Business phone
- 734-272-4322reportedpublished by the firm, firm site, Sep 17, 2026
- Business phone
- 734-369-3037reportedpublished by the firm, firm site, Sep 17, 2026
- Website
- F•••FINANCIAL.COMreportedpublic record, Form ADV, Sep 19, 2026
- Principal office phone
- 734-272-4322reportedpublic record, Form ADV, Mar 18, 2026
Provenance
- Form ADV
- SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
- Advisors
- IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
- Class
- Independent wealth managerderiveda rule over Items 5.D and 7.A
- RAUM per advisor
- $27.1Mderivedfirm RAUM over the IAPD count; not a book size
- Loaded
- Sep 14, 2026