Four Seasons IM is an independent FEE-ONLY based, state-registered investment advisory firm/fiduciary founded and organized in Delaware in 2017 with its principal place of business located in Rehoboth Beach, DE 19971.
Four Seasons Investment Management, LLC, (“Four Seasons IM”) provides prudent, personalized, and proactive planning & discretionary investment management to individuals, families and business clients.
Our Mission & Values
Deliver a superior, objective, long-term “client-first” advisory relationship that will help you…
Objectivity
As an independent advisor, I am able to meet the requirements of my clients through an unbiased needs/solutions approach. This structure allows me to avoid proprietary pressures so to customize the best possible solutions to meet my client’s needs. It is about putting the interest of my client first.
Passion
The focus of my practice has been about making a positive difference in my client’s lives. This has been accomplished through a devotion to helping clients achieve confidence, peace-of-mind and control over their financial future, giving me a wonderful sense of professional purpose and accomplishment.
Honesty
Direct, truthful, and transparent communication with my clients is the foundation of my practice.
Integrity
For me, this value is about an uncompromising adherence to fiduciary excellence. This manifests through a constant focus on self development, service excellence and a client first approach.
Bradley Fine
Seasoned Investment & Client Relationship Management Professional
Brad earned a BSc in Finance and MBA in Global Management, and has 29+ years of relevant investment management and trust industry experience.
Brad is a member of the CFA Institute, the Baltimore CFA Society, the Investment & Wealth Institutes, and the National & Howard County Estate Planning Councils.
President & CIO, Four Seasons Investment Management LLC,
Rehoboth Beach, DE
March 2017 – Present
Key contact for client support including development of Risk Profile Questionnaire, Investment Policy Statements, trust management, and asset allocation. Principal contact with professional qualified custodian ensuring trade execution, cost and quality control, client statement and document review, and distribution co-ordination. Primary state regulatory contact.
Chief Investment Officer, Sandy Spring Trust, Olney, MD
August 2000 – January 2017 (16 years 6 months)
Lead the investment process and team of 5 investment officers for a $1.2 billion [client assets under management] corporate fiduciary. Extensive concomitant experience in law, accounting, tax, performance measurement and related subjects provided clients with retirement and estate planning guidance. Investment officer with investment discretion for the Sandy Spring Bank defined benefit pension plan. Active member on the Account Acceptance Committee, Chaired the Trust Investment Committee, Active Participant on the Administrative/Fiduciary Review Committee and the Chaired Investment Research Team. Provided investment team support and guidance for internal audit and external Federal Reserve audit/reviews.
Vice President, Calvert Investment Counsel
February 1997 – August 2000 (3 years 7 months)
Financial Analyst, Segall Financial Management
July 1993 – February 1997 (3 years 8 months)