Bogdan Niciu

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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.

See Disclosures

General Information

Firm Start Year

2009

No. of Employees

CRD#

6536389

Firm CRD#

150201

Name of Custodial Firm

Charles Schwab

States Licensed in

MO,TX

Years of Experience in Financial Services

Number of Years with Current Firm

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

Compliance

Registered Investment Advisor

Investment Advisor Representative

Acknowledged fiduciary

Compliance Disclosures in Last 5 years

I have a clean record

Criminal Disclosures in Last 5 years

I have a clean record

Qualifications & Membership

Securities Licenses

Series 65

Firm Information

Firm's Number of Clients

Firm's Number of Managed Clients

Assets Managed by Firm

$109,000,000

Total Assets Under Management by Advisor

$109,000,000

Compensation and Fees

Fee Structure

Fee-Only

Minimum Portfolio Size for New Managed Accounts

$500k

Compensation Methods

Flat Fee, Based on Assets

Education

Bachelor's Degree - Finance and Economics

Lindenwood University
08/01/2011 -05/31/2014

Disclosures

PaladinRegistry.com provides referrals to financial professionals. PaladinRegistry.com is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for PaladinRegistry.com to make these referrals, resulting in a conflict of interest.

Additional Detailed Disclosures
https://www.paladinregistry.com/disclosure/1892718/paladinregistry-4-C-Personal-Wealth-Management-Consultants,-LLC-detailed-disclosure.html

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.

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Paladin Research Report For:

4-C Personal Wealth Management Consultants, LLC