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Sound Advice For a Secure Future

Financial Planning & Investment Services    Sustainable Investing 

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 firms works with clients from offices on Cape Cod and in Boston. It also serves clients long distance via online technology.

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 on Cape Cod. 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 and the Financial Planning Association of Massachusetts Board of Directors.

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 Planning in early 2017. He is passionate about supporting the firm's goal of providing objective financial advice to all clients. His areas of focus includes financial planning for young professionals.

Justin grew up in Massena, N.Y., and earned 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 and completed his Master Certificate in Personal Financial Planning. He successfully completed the CFP® exam and is currently a Candidate for CFP® Certification as he works to complete the experience requirement needed to become a CFP® Professional.

He is a member of the Financial Planning Association (FPA).

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 outside of personal finance is exercising and weightlifting.

Financial Planning and Investment Management

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"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 & Investment Services

Four Ponds Financial Planning LLC offers prospective clients a range of financial planning and investment services, from one-time plans to ongoing investment management and financial planning. Listed below are our most common types of services. Customized engagements may be offered for those with unique or complex circumstances at an hourly billing rate of $280.

Core Financial Plan


  • A detailed financial plan designed to measure your progress toward a financially secure retirement and other financial goals.
  • Most appropriate for clients in mid 40s and above.
  • Includes help with fund selection for workplace retirement savings plans.
  • Seeks to ensure your investments are helping you reach that goal rather than hindering your efforts.
  • Includes an implementation session to help you take action on our investment recommendations.

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Core Financial Plan Plus

$1,400 initial fee & .75% annual investment management fee

  • An ongoing service that combines an upfront financial plan with our low-cost investment management service.
  • Appropriate for clients of any age.
  • Begins with a financial plan that measures your progress toward a financially secure retirement and reviews your overall financial health.
  • Ensures implementation of investment recommendations and provides support during times of market volatility.

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Foundation Financial Plan


  • A financial plan designed for younger clients who recognize a solid financial foundation is key even if retirement is decades away.
  • Most appropriate for those in their early 20s through early 40s.
  • Focused on establishing sound retirement savings and investment strategies. Includes help with fund selection for workplace retirement savings plans.
  • Reviews other critical needs such as insurance, estate planning and college savings.
  • Monthly subscription option available.

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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
First $1 million
Next $2 million ($1 million to $3 million)
Any amount above $3 million

Example billing

Portfolio size
$1 million
$1.5 million
($7,500 + $2,500)

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Four Ponds Investing →

Sustainable Investing

"More than ever, investors are seeking investment options that incorporate their concerns about environmental, social and governance issues."

Socially responsible mutual funds have been around for decades, but until recently they remained a small niche within the investment universe. Now, growing public acceptance of climate change is leading to a spike in demand for the next generation of socially responsible funds called ESG funds.

ESG funds incorporate environmental, social and governance criteria in the investment selection process. These types of funds favor investments in companies that actively choose to pursue sustainable practices within their business operations.

Some ESG funds may exclude particular companies with low ratings on environmental, social or governance issues, while other ESG funds use an inclusionary process that favors companies doing a better job on these issues.

To meet the growing interest in ESG investing, Four Ponds now offers sustainable investment options for clients who wish to incorporate such factors in part or all of their portfolio. We utilize ESG funds offered by a variety of investment firms including Dimensional, Vanguard, Fidelity and iShares.

Let us know if you're interested in this type of investment approach. And for investors not ready to leap into ESG investing, we will continue to offer our traditional approach that emphasizes low-cost options, proper asset allocation and taking a long-term view.

Sound Advice for a Secure Future


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Mailing Address

PO Box 662
Falmouth, MA 02541-0662



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