Fourth Quarter Advisors helps individuals and families prepare for and navigate retirement, which it describes as life’s “fourth quarter.” The organization focuses on educating clients about decisions that can shape retirement income, healthcare, taxes, and financial security. Its guidance covers Medicare, Social Security, investments, retirement income, and healthcare and financial considerations that differ from working years.

The firm presents itself first as an advocacy and education organization. It says it does not charge for its services and does not make recommendations based on compensation, and identifies its team as Certified Financial Fiduciaries. Rather than treating each issue separately, Fourth Quarter Advisors takes a holistic approach, coordinating considerations that may involve financial, tax, estate-planning, healthcare, and Social Security expertise. Its aim is to help people understand their options early, make informed decisions suited to their circumstances, and approach retirement with greater confidence and less stress.

Founded by Jack Peregrim, the organization also offers educational resources, events, and strategy meetings.