Four Quarters Capital | Private Wealth Management

Success isn't won in the fourth quarter alone...

it's built in all four.

The Four Quarters Approach

Drawing from founder Tim Brown's fifteen-year career as a basketball coach, we apply proven leadership principles to wealth management. We begin with meaningful conversations about your values and priorities, then identify both immediate and long-term financial goals. At Four Quarters Capital, we compartmentalize our planning process into four distinct life stages based on the four quarters of a basketball game, creating a clear roadmap with measurable milestones to guide your journey toward financial confidence and success.

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The Four Quarters

1st Quarter

Building Foundations

In your early career, you land your first job and begin learning how to live within your means. You start to invest, recognizing the importance of building wealth early. We help you develop sound budgeting and saving principles, use debt responsibly, and navigate "adulting" topics like employee benefits, taxes, and insurance. We guide you in expanding your professional network and developing the flexibility to weather inevitable life shifts, such as periods of unemployment or career transitions.

2nd Quarter

Growing Responsibilities

As you move into the next stage of life, your financial situation becomes more complex. Whether you're purchasing property, starting a family, or taking on new career challenges, responsibilities increase. You may face a more intricate tax situation and need detailed planning for your future. We help you manage these growing responsibilities both at home and in the workplace, keeping expenses aligned with income. We create strategies that allow you to enjoy life now while still maintaining robust long-term investment plans.

3rd Quarter

Expanding Horizons

You're now in your peak earning years. Your priorities may include supporting loved ones, funding education, or helping family members secure housing. You're also dreaming bigger for yourself: traveling more, creating lasting memories, and pursuing meaningful experiences. We help you get the most out of these productive years, setting you up to do work you love on your terms. We guide you through managing the financial complexities of growing resources, helping you live well today without sacrificing a secure retirement.

4th Quarter

Financial Freedom

At this stage, you're managing your nest egg—the money you've accumulated over the years. You may no longer need to work, but if you do, it's by choice, not necessity. The focus shifts to maintaining your lifestyle without relying on a paycheck. Four Quarters Capital takes care of managing your money so you don't have to worry about it. Whether you choose to travel, volunteer, consult, or simply relax, this phase is about freedom—living life on your terms.

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Meet Tim

Meet Tim Brown, founder and principal of Four Quarters Capital, a Registered Investment Adviser established in 2025. Tim lives in Lexington with his wife Marianne. Originally from Colorado and a Kentucky resident since 2013, Tim holds degrees in History from Biola University and a Masters in Applied Philosophy & Ethics from Texas State University.

Tim became a financial advisor in 2019. He has two decades of experience in finance, in addition to 15 years coaching women's basketball, highlighted by leading Asbury University to their first NAIA DII National Tournament win in 2016.

Tim serves on boards for two local non-profits: as treasurer for Revive Life House and as a board member for Hope for Congo. When not advising clients, Tim enjoys collecting and occasionally playing one of his many board games, supporting Nottingham Forest in the English Premier League, cooking with his wood smoker, and his newest pursuit—foil fencing at the Bluegrass Fencers Club.

Services

We embrace a comprehensive planning approach that aligns our services with your unique circumstances and aspirations. Every client partnership grants full access to our complete suite of services, customized to address your specific financial journey through each quarter of life.

Investment Management

We build and manage investment portfolios that fit your personal goals. Our approach is thoughtful and research-based, focusing on long-term growth while protecting what you've already built. We take time to understand what matters to you—how much risk you're comfortable with, when you'll need your money, and what you're trying to achieve. As markets change and new opportunities arise, we're there to guide you, explaining things clearly so you always know where you stand and can feel confident about your financial future.

Tax Planning

We make sure you're not paying more in taxes than necessary while helping you understand exactly why you pay what you do. We look at your whole financial picture to apply the right strategies based on current tax rules. We work hand-in-hand with your accountants and tax preparers so everyone's on the same page and doing what's best for you. Whether it's structuring your investments smartly, timing when you receive income, or making the most of available deductions, we help you navigate complex tax rules without the headache, making your overall financial plan work harder for you.

Estate Planning

We help make sure your money and property go to the people and causes you care about, the way you want. We work with you to create a clear plan that reflects what matters to you, reduces estate taxes, and takes care of your loved ones thoughtfully. We coordinate with legal experts to set up the right documents—like wills and trusts—that fit with your overall financial plan. With careful planning and regular check-ins, we help you create a lasting impact and give your family peace of mind for the future.

Insurance Planning

We help protect what you've built from life's unexpected turns. We make sure your insurance coverage works with your savings and investments, looking for gaps or overlaps to ensure you have just the right amount of protection. We work with your insurance agents and review any coverage from your employer to make sure everything fits together well. From life insurance to disability coverage and beyond, our approach helps protect your assets and your loved ones when you need it most, giving you security through life's ups and downs.

College Funding

College is about more than just paying the bills—it's about setting up your loved ones for success. Tim Brown, with his background as a college basketball coach, brings real-world insights into both the financial aid process and matching students with schools where they'll thrive. We help you create a plan that works for your budget and timeline, using tax-smart accounts and other tools. We balance education goals with your other financial priorities, helping your family member have a great college experience and graduate ready for their next chapter.

Custom Solutions

We're flexible and ready to help with whatever financial challenges come your way. Everyone's situation is different, which is why we offer personalized help for all sorts of needs—whether you're saving for a big purchase, planning how to give to charity, figuring out how to pass on your business, or making financial plans for real estate or business income. If we don't have the exact expertise you need in-house, we have a wide network of trusted professionals we can bring in. Whatever financial hurdle you're facing, we'll find a way to help you clear it.

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Core Values

Investment Principles

Four Quarters Capital envisions a future where financial growth is synonymous with client success. Our investment philosophy emphasizes diversified strategies, consistent growth, cost-effective approaches, and personalized risk management tailored to individual client needs.

Accessibility

We believe financial guidance should be available to all. We welcome clients regardless of their wealth level, communicate in clear, jargon-free language, and remain readily available when our clients need us most. Our doors—and minds—are always open.

Adaptability

Your financial journey is uniquely yours. We craft fully customized plans and investment portfolios tailored to your specific goals, regularly updating strategies as your life evolves. We prioritize investment liquidity because we understand that access to your assets when you need them is essential to financial peace of mind.

Authenticity

We bring professionalism and humility to every client relationship, valuing substance over style in all we do. Our commitment to transparency means we openly discuss potential conflicts of interest and aren't afraid to say "we don't know"—because honest guidance is the only kind worth giving.

Abundance

We envision wealth as a pathway to a rich, fulfilling life. Our approach embraces opportunity rather than fear, helping you use your resources to create positive outcomes through data-driven strategies. We believe your wealth should work proactively to enhance your life's possibilities.

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