About Four Quarters Capital
Personalized financial planning rooted in Lexington and built for individuals and families who want clear guidance, long-term strategy, and lasting confidence.
Our story
Meet Tim Brown, founder and principal of Four Quarters Capital, a financial advisor based in Lexington and a Registered Investment Adviser established in 2025. Tim built the firm around a simple belief: financial guidance should be personal, transparent, and built around what is truly best for the client.
Tim has 7 years of advisory experience and over 15 years in financial services, shaped in part by a long career in coaching. Before launching Four Quarters Capital, he spent 15 years coaching women’s basketball, including helping lead Asbury University to its first NAIA DII National Tournament win in 2016. That background shaped the way he works today, with a focus on discipline, preparation, and helping people move confidently toward long-term goals.
He lives in Lexington with his wife Marianne and is active in the local community. Tim serves on the boards of Revive Life House and Hope for Congo. Four Quarters Capital was created to offer a more thoughtful, stage-based approach to financial planning for individuals and families in Kentucky and beyond.
Our story
Meet Tim Brown, founder and principal of Four Quarters Capital, a financial advisor based in Lexington and a Registered Investment Adviser established in 2025. Tim built the firm around a simple belief: financial guidance should be personal, transparent, and built around what is truly best for the client.
Tim has 7 years of advisory experience and over 15 years in financial services, shaped in part by a long career in coaching. Before launching Four Quarters Capital, he spent 15 years coaching women’s basketball, including helping lead Asbury University to its first NAIA DII National Tournament win in 2016. That background shaped the way he works today, with a focus on discipline, preparation, and helping people move confidently toward long-term goals.
He lives in Lexington with his wife Marianne and is active in the local community. Tim serves on the boards of Revive Life House and Hope for Congo. Four Quarters Capital was created to offer a more thoughtful, stage-based approach to financial planning for individuals and families in Kentucky and beyond.
Our story
Meet Tim Brown, founder and principal of Four Quarters Capital, a financial advisor based in Lexington and a Registered Investment Adviser established in 2025. Tim built the firm around a simple belief: financial guidance should be personal, transparent, and built around what is truly best for the client.
Tim has 7 years of advisory experience and over 15 years in financial services, shaped in part by a long career in coaching. Before launching Four Quarters Capital, he spent 15 years coaching women’s basketball, including helping lead Asbury University to its first NAIA DII National Tournament win in 2016. That background shaped the way he works today, with a focus on discipline, preparation, and helping people move confidently toward long-term goals.
He lives in Lexington with his wife Marianne and is active in the local community. Tim serves on the boards of Revive Life House and Hope for Congo. Four Quarters Capital was created to offer a more thoughtful, stage-based approach to financial planning for individuals and families in Kentucky and beyond.
Our Core Values
Approachability
Financial guidance should feel welcoming, clear, and easy to understand.
Approachability
Financial guidance should feel welcoming, clear, and easy to understand.
Adaptability
Plans should evolve as life changes, opportunities grow, and priorities shift.
Adaptability
Plans should evolve as life changes, opportunities grow, and priorities shift.
Authenticity
Relationships work best when advice is honest, transparent, and grounded in trust.
Authenticity
Relationships work best when advice is honest, transparent, and grounded in trust.
Abundance
Financial planning should support growth, generosity, freedom, and a fuller life.
Abundance
Financial planning should support growth, generosity, freedom, and a fuller life.
Our mission
Our mission is to provide individuals and families with thoughtful financial guidance built on trust, clarity, and long-term relationships. We help clients make confident financial decisions through every quarter ahead.
Our vision
Our vision is to be a trusted name in financial planning by delivering thoughtful advice, personalized strategy, and a client experience built around long-term success, lasting relationships, and greater confidence for the future.
Years Of Advisory Experience
Helping clients make thoughtful, long-term financial decisions with clarity, discipline, and personal guidance.
Years Of Advisory Experience
Helping clients make thoughtful, long-term financial decisions with clarity, discipline, and personal guidance.
Years Of Advisory Experience
Helping clients make thoughtful, long-term financial decisions with clarity, discipline, and personal guidance.
Third-Party Portfolio Management Fees*
Your investment strategy is built directly with your advisor, without layering in outside portfolio management costs where appropriate.
Third-Party Portfolio Management Fees*
Your investment strategy is built directly with your advisor, without layering in outside portfolio management costs where appropriate.
Third-Party Portfolio Management Fees*
Your investment strategy is built directly with your advisor, without layering in outside portfolio management costs where appropriate.
Advising Since
Tim Brown has been serving clients as a financial advisor since 2019 with a focus on thoughtful, personalized guidance.
Advising Since
Tim has been serving clients as a financial advisor since 2019 with a focus on long-term, personalized guidance.
Advising Since
Tim Brown has been serving clients as a financial advisor since 2019 with a focus on thoughtful, personalized guidance.
Why Choose Four Quarters Capital?
Four Quarters Capital provides personalized financial planning for individuals and families who want clear guidance, trusted advice, and a long-term strategy.
Why Choose Four Quarters Capital?
Four Quarters Capital provides personalized financial planning for individuals and families who want clear guidance, trusted advice, and a long-term strategy.
Why Choose Four Quarters Capital?
Four Quarters Capital provides personalized financial planning for individuals and families who want clear guidance, trusted advice, and a long-term strategy.
Personalized Planning
Every client has different goals, priorities, and responsibilities, so every plan is built around what matters most to you.
Experienced Guidance
Tim Brown brings 7 years of advisory experience and over 15 years in financial services to helping clients make confident financial decisions.
Transparent Approach
Clear communication and personalized guidance are at the center of our process. We believe you should always understand the strategies being recommended and how they support your long-term goals.
Long-Term Focus
The goal is not quick fixes. It is helping you build confidence, make progress, and plan well through every quarter of life.
Personalized Planning
Every client has different goals, priorities, and responsibilities, so every plan is built around what matters most to you.
Experienced Guidance
Tim Brown brings 7 years of advisory experience and over 15 years in financial services to helping clients make confident financial decisions.
Transparent Approach
Clear communication and personalized guidance are at the center of our process. We believe you should always understand the strategies being recommended and how they support your long-term goals.
Long-Term Focus
The goal is not quick fixes. It is helping you build confidence, make progress, and plan well through every quarter of life.
Personalized Planning
Every client has different goals, priorities, and responsibilities, so every plan is built around what matters most to you.
Experienced Guidance
Tim Brown brings 7 years of advisory experience and over 15 years in financial services to helping clients make confident financial decisions.
Transparent Approach
Clear communication and personalized guidance are at the center of our process. We believe you should always understand the strategies being recommended and how they support your long-term goals.
Long-Term Focus
The goal is not quick fixes. It is helping you build confidence, make progress, and plan well through every quarter of life.
Frequently Asked Questions
Find answers to common questions about working with Four Quarters Capital, from services and fees to investment philosophy and account security.
Frequently Asked Questions
Find answers to common questions about working with Four Quarters Capital, from services and fees to investment philosophy and account security.
Frequently Asked Questions
Find answers to common questions about working with Four Quarters Capital, from services and fees to investment philosophy and account security.
1. What makes Four Quarters Capital different from larger financial firms?
At Four Quarters Capital, we believe financial planning should feel personal, not transactional. We take the time to understand your goals, values, and long-term vision, then build a strategy tailored specifically to you. As an independent firm, our recommendations are designed around what makes sense for your financial life, not sales quotas or corporate products.
2. What services does Four Quarters Capital offer?
Four Quarters Capital offers personalized financial planning and wealth management services, including investment strategy, retirement planning, cash flow management, estate planning, tax planning, college funding, and custom solutions based on your stage of life and financial goals.
3. Do you have a minimum investment requirement?
No. Four Quarters Capital does not have a minimum investment requirement. We believe exceptional financial guidance should be accessible to people at different stages of life, whether you are just starting to build wealth or already managing substantial assets. We also reserve a portion of new client openings for individuals and families beginning their investment journey.
4. How are your fees structured?
Our fees are transparent and based on assets under management. We charge 1.00% on the first $1,000,000, 0.50% on assets from $1,000,001 to $5,000,000, and 0.25% on assets above $5,000,000. All fees are clearly disclosed upfront, and we provide detailed statements so clients always know what they are paying for.
5. What is your investment philosophy?
Our investment philosophy is built on disciplined, evidence-based strategies tailored to each client’s goals, timeline, and comfort with risk. We focus on long-term progress rather than market timing, emphasize tax efficiency where appropriate, and design portfolios to support both current needs and future financial security.
6. How do you keep my accounts secure?
Four Quarters Capital uses established third-party custodians, including Charles Schwab and Altruist, to hold client assets. This means your investments are held separately from our firm as an added layer of protection. We also use secure technology, data protection practices, and regulatory compliance procedures to help safeguard your financial information.
1. What makes Four Quarters Capital different from larger financial firms?
At Four Quarters Capital, we believe financial planning should feel personal, not transactional. We take the time to understand your goals, values, and long-term vision, then build a strategy tailored specifically to you. As an independent firm, our recommendations are designed around what makes sense for your financial life, not sales quotas or corporate products.
2. What services does Four Quarters Capital offer?
Four Quarters Capital offers personalized financial planning and wealth management services, including investment strategy, retirement planning, cash flow management, estate planning, tax planning, college funding, and custom solutions based on your stage of life and financial goals.
3. Do you have a minimum investment requirement?
No. Four Quarters Capital does not have a minimum investment requirement. We believe exceptional financial guidance should be accessible to people at different stages of life, whether you are just starting to build wealth or already managing substantial assets. We also reserve a portion of new client openings for individuals and families beginning their investment journey.
4. How are your fees structured?
Our fees are transparent and based on assets under management. We charge 1.00% on the first $1,000,000, 0.50% on assets from $1,000,001 to $5,000,000, and 0.25% on assets above $5,000,000. All fees are clearly disclosed upfront, and we provide detailed statements so clients always know what they are paying for.
5. What is your investment philosophy?
Our investment philosophy is built on disciplined, evidence-based strategies tailored to each client’s goals, timeline, and comfort with risk. We focus on long-term progress rather than market timing, emphasize tax efficiency where appropriate, and design portfolios to support both current needs and future financial security.
6. How do you keep my accounts secure?
Four Quarters Capital uses established third-party custodians, including Charles Schwab and Altruist, to hold client assets. This means your investments are held separately from our firm as an added layer of protection. We also use secure technology, data protection practices, and regulatory compliance procedures to help safeguard your financial information.
1. What makes Four Quarters Capital different from larger financial firms?
At Four Quarters Capital, we believe financial planning should feel personal, not transactional. We take the time to understand your goals, values, and long-term vision, then build a strategy tailored specifically to you. As an independent firm, our recommendations are designed around what makes sense for your financial life, not sales quotas or corporate products.
2. What services does Four Quarters Capital offer?
Four Quarters Capital offers personalized financial planning and wealth management services, including investment strategy, retirement planning, cash flow management, estate planning, tax planning, college funding, and custom solutions based on your stage of life and financial goals.
3. Do you have a minimum investment requirement?
No. Four Quarters Capital does not have a minimum investment requirement. We believe exceptional financial guidance should be accessible to people at different stages of life, whether you are just starting to build wealth or already managing substantial assets. We also reserve a portion of new client openings for individuals and families beginning their investment journey.
4. How are your fees structured?
Our fees are transparent and based on assets under management. We charge 1.00% on the first $1,000,000, 0.50% on assets from $1,000,001 to $5,000,000, and 0.25% on assets above $5,000,000. All fees are clearly disclosed upfront, and we provide detailed statements so clients always know what they are paying for.
5. What is your investment philosophy?
Our investment philosophy is built on disciplined, evidence-based strategies tailored to each client’s goals, timeline, and comfort with risk. We focus on long-term progress rather than market timing, emphasize tax efficiency where appropriate, and design portfolios to support both current needs and future financial security.
6. How do you keep my accounts secure?
Four Quarters Capital uses established third-party custodians, including Charles Schwab and Altruist, to hold client assets. This means your investments are held separately from our firm as an added layer of protection. We also use secure technology, data protection practices, and regulatory compliance procedures to help safeguard your financial information.
Let’s Plan Your
Next Quarter
With Confidence
Personalized financial planning rooted in Lexington and built for individuals and families who want clear guidance, thoughtful strategy, and long-term confidence.
Let’s Plan Your
Next Quarter
With Confidence
Personalized financial planning rooted in Lexington and built for individuals and families who want clear guidance, thoughtful strategy, and long-term confidence.
Let’s Plan Your
Next Quarter
With Confidence
Personalized financial planning rooted in Lexington and built for individuals and families who want clear guidance, thoughtful strategy, and long-term confidence.