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Sound Advice For a Secure Future

Financial Planning   Investment Management 

About Four Ponds

David McPherson, CFP®, founded Four Ponds Financial Planning in 2007 to provide sound, objective financial advice to clients looking for help with their investments, retirement planning and other money-related needs.

The firm grew out of his earlier career as a financial journalist when he gained an up-close view of the shenanigans in some segments of the financial services industry. He concluded there is an unmet need for sound financial advice from objective sources.

The firm’s name is derived from the Four Ponds Conservation Area located a short walk from David McPherson’s home in the Pocasset section of Bourne. Four Ponds features miles of walking trails that make it a popular destination for short hikes and a favorite place for mountain bikers and trail runners. A silhouette of the ponds that give the area its name is the centerpiece of the Four Ponds logo.

David McPherson, CFP® Photo

David McPherson, CFP®

Founder & Lead Planner
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David McPherson, CFP®


David founded Four Ponds Financial Planning in 2007 to provide sound, objective financial advice to clients looking for help with their investments, retirement planning and other money-related needs.

He is a former journalist who worked for several New England newspapers, including the Cape Cod Times and The Providence Journal, where he wrote and directed coverage of banking, investing and personal finance.

David holds a Bachelor of Arts degree from Stonehill College and a certificate in financial planning from Boston University. He is a member of the Garrett Planning Network, National Association of Personal Financial Advisors and Financial Planning Association.

David’s personal interests include running, hiking and other outdoor activities. He serves on the Board of Trustees of Sturgis Charter Public School in Hyannis.

Five things to know about David:

  • He spent a summer living in Tokyo, Japan, as a 15-year-old exchange student.
  • During his reporting days, he watched former President Clinton play the saxophone while Carly Simon sang at a party on Martha’s Vineyard.
  • He once hitch hiked into Belfast, Northern Ireland, when The Troubles were still under way.
  • His favorite movie is Good Will Hunting.
  • His retirement dream includes working as a cross-country ski patroller in the winter and a national park ranger in the summer.
Justin Green Photo

Justin Green

Financial Planning Associate
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Justin Green


Justin joined Four Ponds Financial in 2017. He is passionate about supporting the firm's goal of providing objective financial advice to all clients.

Justin grew up in Massena, N.Y., and went on to receive his Bachelor of Science degree at State University of New York at Cortland. He then resided in Manhattan, Kansas, as a representative for GTM Sportswear. While in Manhattan, he attended Kansas State University to work towards his Master of Science in Personal Financial Planning. He has completed the CFP certification courses and is currently preparing for the CFP exam as well as finishing his coursework.

Five things to know about Justin:

  • His favorite book is The Compound Effect by Darren Hardy.
  • He is a dog lover and proud owner of a Mini Australian Shepherd “Sadie”.
  • He played basketball throughout high school and still enjoys playing recreationally.
  • He traveled throughout the Midwest during a college internship, visiting 11 different states in one summer.
  • His passion is exercising and weightlifting, and he hopes to help train others in the future.

Financial Planning and Investment Management

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Services

"More than a decade of experience has shown us that clients benefit most from an upfront financial plan followed by help implementing and managing a portfolio designed for them."

The financial plan serves as the foundation for our work together by establishing goals and identifying key issues. The next step is implementing a suggested portfolio and adopting other recommendations.

We know there are clients who do a good job managing their investment accounts, and we are happy to work with those clients who value outside guidance but prefer to manage things on their own.

Many clients, however, benefit from our investment management service, which ensures efficient adoption of an appropriate portfolio. During times of market turmoil, it will help avoid costly mistakes and reduce stress and anxiety.

Research by Vanguard has found that clients who delegate investment management can realize significant value over the cost of the service. The sources of this value identified by Vanguard include cost-effective implementation, rebalancing, tax efficiency and behavioral coaching.

Putting a Value on Your Value: Quantifying Vanguard Advisor’s Alpha®, Francis M. Kinniry Jr., CFA, Colleen M. Jaconetti, CPA, CFP ®, Michael A. DiJoseph, CFA, Yan Zilbering, and Donald G. Bennyhoff, CFA, September 2016.

Financial Planning

"Financial planning is at the heart of what we do and how most clients get started with us. We review your overall financial health and then make suggestions on ways to improve it."

Core Financial Plan

  • Designed to serve as a foundation of your work with Four Ponds. Appropriate for clients in mid 40s and beyond.
  • Measures your progress toward a financially secure retirement and ensuring your investments are helping you reach that goal rather than hindering your efforts.
  • Overall financial health reviewed with an eye toward identifying issues requiring further attention. These may include insurance, estate planning, taxes and spending.
  • Findings and recommendations outlined in a presentation meeting and written report.

Cost: $2,500

Starter Financial Plan

  • Streamlined option for younger clients looking to ensure you are headed in the right direction. Most appropriate for those in their early 20s through early 40s.
  • Focused on establishing a sound retirement savings and investment strategy. Includes help with fund selection for retirement savings accounts.
  • Reviews other critical needs for younger clients such as insurance, estate planning and college savings strategies.
  • Findings and recommendations outlined in presentation meeting and written report.

Cost: $1,250

Investment Management

  • Investment management and continuous financial planning support for those who seek ongoing assistance and wish to delegate investment oversight. Appropriate for clients who have sufficient assets to make the service worthwhile and cost effective for them.
  • Includes creation of an investment policy statement, ongoing portfolio reviews, periodic rebalancing, as-needed financial planning updates and assistance with employer-sponsored retirement plans.

Annual Cost

Assets under management
Charge
First $1 million
.75%
Next $2 million ($1 million to $3 million)
.50%
Any amount above $3 million
.25%

Example billing

Portfolio size
Amount
$500,000
$3,750/year
$1 million
$7,500/year
$1.5 million
$10,000/year
($7,500 + $2,500)


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Contact

Phone

508-403-0395

Mailing Address

PO Box 662
Falmouth, MA 02541-0662

Email

david@fourpondsfinancial.com

Main Office:
101 Town Hall Square
Falmouth, MA 02540-2784

Boston Office:
10 Post Office Square, 8th Floor
Boston, MA 02109


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508-403-0395 | david@fourpondsfinancial.com