VETTED
Bogdan Niciu
Tel: 314-626-0677 677 Craig Road Suite 211 Saint Louis, MO 63141
Retirement Planning That Connects the Dots
About Bogdan Niciu
Bogdan Niciu is the Principal and a Financial Advisor at 4-C Personal Wealth Management, an independent, fee-only fiduciary registered investment adviser based in St. Louis, Missouri.
He works primarily with families and professionals who are approaching retirement or recently retired and want help coordinating the financial decisions that increasingly overlap at this stage of life. These can include investment strategy, retirement income, Social Security, Roth conversions, required minimum distributions, tax-aware withdrawal planning, estate planning, and insurance decisions.
Bogdan's goal is to make complex financial decisions practical and understandable. Rather than looking at investments, taxes, retirement income, and estate planning in isolation, he helps clients understand how the pieces fit together, the tradeoffs involved, and the so what? behind each decision.
His approach emphasizes long-term thinking, diversification, thoughtful risk management, realistic assumptions, and regular proactive communication with the families he serves.
About 4-C Personal Wealth Management Consultants, LLCHe works primarily with families and professionals who are approaching retirement or recently retired and want help coordinating the financial decisions that increasingly overlap at this stage of life. These can include investment strategy, retirement income, Social Security, Roth conversions, required minimum distributions, tax-aware withdrawal planning, estate planning, and insurance decisions.
Bogdan's goal is to make complex financial decisions practical and understandable. Rather than looking at investments, taxes, retirement income, and estate planning in isolation, he helps clients understand how the pieces fit together, the tradeoffs involved, and the so what? behind each decision.
His approach emphasizes long-term thinking, diversification, thoughtful risk management, realistic assumptions, and regular proactive communication with the families he serves.
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.
See DisclosuresWe 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.
General Information
Firm Start Year:
2009
No. of Employees:
2-4 Employees
Name of Custodial Firm:
Charles Schwab
States Licensed in:
MO, TX
Communities served:
St. Louis, Creve Coeur, Clayton, Ladue, Chesterfield, Kirkwood and surrounding St. Louis communities
Number of Years with Current Firm:
11
Work Experience:
4-C Personal Wealth Management Principal / Financial Advisor, 2015Present. Provides comprehensive financial planning, customized investment management, and retirement planning for individuals and families. Investment Adviser Representative since 2016.
Work with the following types of clients:
Individual Investors
Foreign Languages Serviced:
English, Romanian, Spanish
Advisory Services Provided:
Tax Advice and Services, Financial Planning for Individuals, Wealth Management, Retirement Planning, Investment Advice & Management, Financial Planning, Estate Planning & Trusts, Portfolio Management
Preferred meeting methods
Can meet clients in the following ways:
Your Office, Email, Video Conference, Phone, Our Office
Compensation and Fees
Fee Structure:
Fee-Only
Minimum Portfolio Size for New Managed Accounts:
$500k
Compensation Methods:
Flat Fee, Based on Assets
Firm Information
Firm's Number of Clients:
54
Firm's Number of Managed Clients:
53
Assets Managed by Firm:
$109,000,000
Total Assets Under Management by Advisor:
$109,000,000
Services
I provide a free initial consultation:
Yes
Education
Bachelor's Degree - Finance and Economics:
Lindenwood University - St. Charles, MO
08/01/2011 - 05/31/2014
Financial Planning for Individuals
Financial planning for individuals and families, including cash-flow analysis, net worth review, and "so what?" scenarios that help clients understand their options and make thoughtful decisions as life changes.
Portfolio Management
Each client portfolio is customized to the client's goals, risk profile, preferences, and financial plan, and is re-evaluated as markets and the client's life evolve. Our conservative philosophy emphasizes long-term thinking, diversification, thoughtful risk management, and realistic assumptions.
Retirement Planning
We provide a coordinated view of retirement income, spending, Social Security, healthcare, investments, and long-term sustainability. Planning topics include when to retire, when to claim Social Security, which accounts to withdraw from first, Roth conversions and required minimum distributions, and using the retirement "gap years" for tax planning.
Insurance Planning
An objective review of life insurance, long-term care, and other coverage to help protect both your plan and the people behind it.
Estate Planning & Trusts
Help organizing and reviewing your estate plan, coordinating with your attorneys, and preparing your family for future transitions.
Tax Advice and Services
Practical, tax-aware planning ideas related to retirement distributions, Roth conversions, charitable giving, and other planning opportunities, coordinated with the client's overall financial plan.
Investment Advice & Management
Customized investment management shaped by each client's goals, risk profile, preferences, and financial plan, with ongoing monitoring and adjustments as markets and circumstances change.
Wealth Management
One relationship and a complete financial picture. We coordinate investments, retirement, taxes, estate planning, and insurance so financial decisions are made with context rather than in isolation, guided by our Comprehensive, Customized, Caring, and Conservative approach.
Disclosures
WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest.
Additional Detailed Disclosures
Disclaimer
4-C Personal Wealth Management Consultants, LLC ("4-C") is a registered investment adviser. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training.
11 Years of Experience
Compliance
Registered Investment AdvisorYes
Investment Advisor RepresentativeYes
Acknowledged fiduciaryYes
Compliance Disclosures in Last 5 yearsI have a clean record
Criminal Disclosures in Last 5 yearsI have a clean record
Office Hours
Monday9:00 AM - 5:00 PM
Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 5:00 PM
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