Bogdan Niciu

4-C Personal Wealth Management is an independent, fee-only fiduciary wealth management firm and registered investment adviser based in St. Louis, Missouri.

We help families bring their investments, retirement plan, taxes, estate planning, insurance, and long-term goals together into one coordinated financial picture. We work especially well with people approaching retirement or recently retired, when decisions about Social Security, investment risk, withdrawals, Roth conversions, taxes, healthcare, and estate planning begin to interact.

Our name reflects the four principles that guide our work:

Comprehensive  We consider the connected parts of your financial life rather than making decisions in isolation.

Customized  Your financial plan and investment portfolio are built around your goals, circumstances, preferences, and risk tolerance.

Caring  We stay in regular contact, follow up proactively, and keep the people and priorities behind the numbers at the center of the relationship.

Conservative  We emphasize long-term thinking, diversification, thoughtful risk management, and realistic assumptions rather than chasing short-term trends.

Our services include financial planning, investment management, retirement planning, tax-aware planning, estate planning coordination, and insurance review.

For families looking for an ongoing advisory relationship and a coordinated view of their financial life, we offer a complimentary introductory conversation.

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