FAQs

faqs

Most Popular Questions

We hope these questions and answers give you a better understanding of Fourth Quarter Advisors, but we are always happy to answer any additional questions you may have.

Are you associated with Social Security as an agent that can help with issues we have?

No, we have no actual representative authority with Social Security. We are your advocates and will recommend options they do not that will maximize your benefit.

What is your approach to Medicare?
Our first step is education and starting with Medicare itself and how it is set up. It is extremely complex and so are your benefit options. But, we take whatever time is necessary to ensure your choices are the right ones for you even when you may have hundreds of options to choose from.
I would like to confirm that I am doing the right things in setting up my retirement income and investment strategy; what would you recommend?

There is no simple answer to that and we ask you to be skeptical with anyone who has a simple answer. We will follow an extensive process that is not time consuming for you but your options will be considered in a very comprehensive way and we will issue recommendations and projections that optimize your results. To do that we look at pension options, Social Security options, investment options, and many other factors and then we have programs that can consider the complex options and make clear recommendations.

Beyond advisory services are there any specific follow up services that you do?

Yes, we are also licensed insurance professionals who can act as agents on healthcare insurance. We are also foundation capital experts and can support any applications for annuities when appropriate.

When you describe yourselves as fiduciaries, what does that mean?

We all have the accreditation as a Certified Financial Fiduciary® which means that we always do what is best for every client. Without regard to any compensation. (we do not charge fees or make any recommendations that require fees from you beyond those you pay in any regard) All of us with Fourth Quarter Advisors also add high level commitments for transparency and privacy protection which we will be glad to share in greater detail. 

Are you meeting in person during Covid or how do we handle any discussions?

We have been meeting people in person if very strict guidelines are met and we can discuss that with you. We also schedule Zoom meetings and try to accomplish as much as possible with email and phone calls as long as there is no compromise in generating optimal client value.

Looking for help and guidance in you retirement years?

We welcome the opportunity to help.

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