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Thoughtful Guidance for Life’s Financial Decisions

Personalized financial planning for today — and for what matters most tomorrow.

OUR PHILOSOPHY

Four Leaf Financial Planning was founded to provide comprehensive, hands-on financial guidance that goes beyond traditional advising—serving both individuals seeking thoughtful, integrated planning and families navigating special needs or long-term care considerations.

With more than 25 years of experience, Kathleen Oberneder (CFP®, ChSNC®) offers a boutique experience that integrates everyday financial decisions, ongoing investment management, and long-term strategy.

Our work is personal and ongoing. We help clients understand their options, anticipate change, and move forward with confidence as life evolves.

FINANCIAL PLANNING & INVESTMENT MANAGEMENT

When You Want a True Planning Partner

If you’re looking for an experienced, unbiased advisor who takes the time to understand your full financial picture, we provide comprehensive guidance and ongoing support—at every stage of life.

FINANCIAL PLANNING SERVICES

SPECIAL NEEDS PLANNING & CONSULTING

When Someone You Love Will Always Depend on You

Planning for a loved one’s lifelong financial security requires experience, care, and foresight. We help families navigate benefits, resources, and long-term planning with confidence and clarity.

SPECIAL NEEDS PLANNING

“A brokerage firm tells you how your money is doing. Four Leaf Financial Planning tells you how your family is doing. We provide the clarity and strategy you need to move forward with confidence, knowing that every detail has been considered.”

— Kathleen Oberneder, CFP®, ChSNC®
Founder & Principal, Four Leaf Financial Planning

THE FOUR LEAF DIFFERENCE

FOUR LEAF FINANCIAL PLANNING

Plan-Focused: Prioritizes your life goals, family needs, and long-term security

Specialized Expertise: Expert guidance for special needs and long-term care considerations

Relationship-Centered: Focused on guiding your financial life over time

Proactive: We anticipate transitions before they happen

Integrated Planning: Coordinates investments, tax strategy, estate planning, and family needs

TRADITIONAL BROKERAGE FIRMS

Product-Focused: Prioritizes investment returns and asset management

Broad Scope: Offers general advice for the "average" investor

Transactional: Focused on accounts and investment activity

Reactive: You call them when you have a question

Siloed Advice: Focused primarily on investments

KNOWLEDGE AT YOUR FINGERTIPS

For clear, practical insight into important planning decisions, download our complimentary “Common Questions” guides: Understanding Financial Planning and Understanding Special Needs Planning.

ACCESS OUR FREE DOWNLOADS

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What a Chartered Special Needs Consultant® Means for Your Family

BECOME A CLIENT

Put our expertise at work for you.

I'M INTERESTED IN SPECIAL NEEDS PLANNING

I'M INTERESTED IN TRADITIONAL FINANCIAL PLANNING

SPEAKER SERVICES

Kathleen Oberneder is a nationally recognized Special Needs Planning speaker, specializing in delivering insightful presentations on her work as a Chartered Special Needs Consultant. 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.

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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.

FOUR LEAF’S FINANCIAL INSIGHTS & EXPERTISE PROVIDE GUIDANCE TO MANY