RARE AS A FOUR LEAF CLOVER
A FINANCIAL ADVISOR WHO LISTENS FIRST
THEN GUIDES YOUR JOURNEY
CAIM (kyem) n.
Sanctuary; An invisible circle of protection, drawn around the body with the hand, to remind one of being safe and loved, even in the darkest times. Derived from the root word meaning “circle”, to bend, or turn.
OUR PHILOSOPHY
With over two decades of experience in financial services, founder Kathleen Oberneder has developed a mission and philosophy. At Four Leaf Financial, our approach is centered on providing comprehensive advice. Our commitment is driven not by the intent to acquire management of your investments or promote product sales, but by providing holistic advice and planning while simplifying the financial complexities and empowering our clients with clear information and solutions.
“It is imperative to plan for your, and your family’s, financial future, and to choose an unbiased professional to help you achieve your plan.” —Kathleen Oberneder
SPECIAL NEEDS PLANNING & CONSULTING
Do you have a loved one who may be financially dependent on you and government benefits for the rest of your life, and theirs? Are you looking for expert advice to create a plan for when you are no longer able to care for them?
FINANCIAL PLANNING & INVESTMENT MANAGEMENT
Are you looking for a professional, experienced, unbiased financial planner to help put all of the pieces of your financial life together, explain your position and options to help you get to where you want to go, and partner with you along the way?
BECOME A CLIENT
Put our expertise at work for you.
KNOWLEDGE AT YOUR FINGERTIPS
UNDERSTANDING FINANCIAL PLANNING &
SPECIAL NEEDS PLANNING
Unlock the power of financial clarity with our exclusive guides, “Common Questions We Can Help You Answer”. Gain insights into how a Financial Advisor can navigate your financial journey, providing personalized solutions to your most pressing questions. Download now to embark on a path towards financial confidence and success.
ACCESS OUR FREE DOWNLOADS
SPEAKER SERVICES
Kathleen Oberneder is a nationally recognized Special Needs Planning speaker, specializing in delivering insightful presentations on her work as a Financial Advisor. With a wealth of expertise and a passion for making a meaningful difference, she is committed to providing audiences with invaluable knowledge and practical strategies. Whether speaking to professionals seeing to enhance their understanding, or families navigating the complexities of special needs, her engaging presentations aim to inspire action, foster empathy, and ultimately empower individuals to create brighter futures for themselves and loved ones.
FOUR LEAF’S FINANCIAL INSIGHTS & EXPERTISE PROVIDE GUIDANCE TO MANY
THE FOUR LEAF PROCESS
EXPLORE
We engage you to uncover your financial needs and concerns while gathering crucial information and financial details to kickstart the planning process.
ANALYZE
We utilize both your subjective and objective information to understand your financial situation and to guide the development of your tailored advice and recommendations.
DESIGN
We translate our analysis into actionable recommendations providing clients with specific strategies to achieve your financial goals.
IMPLEMENT
We serve as partners to our clients, offering the necessary support to help you execute on our advice and maintain and adjust your plan going forward.
