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58 Soderman Way, Cheshire, CT 06410

203-269-7144
info@4tfinancial.com
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Live The Life You Want, Today And Tomorrow

Our multigenerational team becomes your family’s personal CFO, guiding you through life’s financial milestones with care, so you can create a retirement you’ll love and a legacy to be proud of.

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Built by Family, Here for Yours

Built by Family, Here for Yours

At 4T Financial, family comes first, both in who we are and how we serve. Our generational team combines decades of experience with a fresh perspective to help you plan for retirement, stay organized, and build a lasting legacy through thoughtful, personalized wealth management.

Your Life Has a Story, We Help You Shape It

Your Life Has a Story, We Help You Shape It

Our approach to wealth management is personal because your life is. We take the time to understand where you’ve been and where you want to go, becoming part of your story as we help organize, plan, and guide your family through each financial chapter.

Bring Every Piece Of Your Wealth Together

From building wealth to planning retirement and everything in between, we offer thoughtful strategies designed to organize your financial life and keep you moving toward the goals that matter to you.

Financial Planning

Investment Management

Insurance & Risk Management

Wealth Management

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Are You Ready to Retire?
Let’s Find Out.

Take a few minutes to see where you stand. The “Are You Fit to Retire?” calculator helps you measure
progress, identify gaps, and understand your next steps toward the retirement you want.

Check Your Retirement Readiness

Spend Less Time Managing And More Time Living

Individuals & Families

Individuals & Families

Turn your complex financial life into a balanced one . We help by organizing finances, setting clear priorities, and building flexible plans that make it easier to enjoy today while still preparing for tomorrow’s milestones.

Pre-Retirees & Retirees

Pre-Retirees & Retirees

We guide you toward and through life’s next chapter by converting savings into steady income, timing Social Security, and creating strategies that help you travel, give, and live freely without second-guessing your plan.

Women Decision Makers

Women Decision Makers

We empower women to take control of their wealth by clarifying accounts, planning through life transitions, and offering education that turns financial decisions into opportunities for independence and confidence.

Medical Professionals

Medical Professionals

Between long shifts and unpredictable schedules, we help simplify your financial world by organizing cash flow, managing benefits, and planning for early retirement or career shifts so your life feels less rushed and more rewarding.

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Tools To Help You Learn, Plan, and Grow

Explore resources designed to strengthen your financial understanding and help you make informed, confident decisions about your money and your future.

Avoiding Cognitive Decline

Avoiding Cognitive Decline

Try these activities to keep your brain sharp.
Learn More
Investment Challenges of the Affluent Investor

Investment Challenges of the Affluent Investor

Affluent investors face unique challenges when putting together an investment strategy. Make sure you keep these in mind.
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New Retirement Contribution Limits for 2026

New Retirement Contribution Limits for 2026

A look at the new retirement contribution limits from the IRS.
Learn More

Commonly Asked Questions

Every client we work with has important questions about their future. Here are a few we’re asked most often, and how our personalized approach helps provide answers.

  • A Personal CFO acts as your family’s financial coordinator—managing every piece of your wealth, from investments to insurance, taxes, and estate planning. At 4T Financial, our team works alongside your CPA, attorney, and other professionals to keep every decision connected and every goal aligned.

  • We’re built as a multigenerational wealth management firm—meaning the people you trust today will be here tomorrow. Our continuity, education-first approach, and comprehensive service model help families stay confident through every life stage.

  • Yes. Investments are one part of a larger financial picture. A detailed financial plan aligns your investments, income, and goals—so you’re not just saving, but planning with purpose. Our advisors act as your guide to ensure each decision supports your long-term financial independence.

  • We offer a no-obligation Fit-to-Retire® assessment to evaluate your readiness—financially, emotionally, and lifestyle-wise. You’ll receive a personalized report showing where you stand and how to strengthen your retirement strategy.

  • We offer comprehensive wealth management, including:

    • Financial Planning and Retirement Planning
    • Investment Management
    • Insurance & Risk Management
    • Tax Strategies
    • Estate & Legacy Planning

    Our goal is to help you care for your family, live the life you want today, and build the legacy you envision for tomorrow.

  • Yes. As fiduciary advisors, we are legally and ethically bound to act in your best interest at all times—providing transparent, objective recommendations tailored to your goals.

  • Yes. While we’re based in Connecticut, we proudly serve clients nationwide with the same personalized, family-first approach.

  • It begins with a conversation. We’ll get to know your story, your goals, and what’s most important before designing your personalized financial plan.

Let’s Start the Conversation

Financial questions can feel complicated — but you don’t have to figure them out alone. Send us a quick note and we’ll connect with you to provide the clarity and confidence you need.

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Learn How to Stay Calm Amidst Market Volatility

In this ebook, we outline how to stay the course through market ups and downs. Our tips will help you anticipate, rather than fear, market movement.
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