Home | De Four-Associates

Welcome to De Four-Associates
Trusted Financial Guidance for Every Stage of Life

We provide personalized financial strategies that educate, empower, and support individuals, families, and businesses.

Our mission is to simplify financial planning, deliver expert solutions, and guide you with confidence toward long-term stability and success.

Empower Your Finances Today!

Our Story

Denise De Four is a Licensed Financial Coach and educator who empowers individuals and families to understand financial concepts and develop practical, sustainable plans for their financial futures. Her approach centers on teaching strategies that are simple, accessible, and easy to implement in everyday life.

Denise partners with the Jones Jewels Organization in Glen Burnie, where she facilitates financial workshops for community groups as well as provides one-on-one financial coaching. Through these sessions, participants gain the tools and confidence needed to make informed financial decisions.

Life and Health licensed in multiple states, Denise holds Series 6 and Series 63 securities licenses, further strengthening her ability to guide clients across a broad range of financial topics.

Originally from the twin-island Caribbean Republic of Trinidad and Tobago, Denise brings a global and culturally grounded perspective to her work. She holds a Bachelor’s degree in Telecommunications from Morgan State University and a Master’s degree in Education from Johns Hopkins University.

Denise is married to Marlon De Four and remains deeply committed to financial education as a pathway to stability, empowerment, and generational impact.

Services: It's All About Financial Fitness!

We are here to help YOU! See our Services listed below:

Our step-by-step Legacy Four framework below helps you build, protect, and preserve your financial house for generations.

1. Foundation - Build Your Financial House

Every strong financial journey begins with a solid foundation.

We will help you master your money, create stability, and prepare for life’s surprises.

Budgeting & Budget Analysis – Create a clear spending plan that helps you stay on track and reach your financial goals.
Emergency Account – Build a safety net to handle life’s unexpected expenses with confidence.
Savings – Develop consistent saving habits that grow your financial strength over time.

2. Protection - Safeguard What Matters

Protecting your family, income, and assets is essential.

Our protection strategies ensure peace of mind today and security for tomorrow.

Asset Protection – Protect your property, income, and investments from unexpected risks.
Life Insurance – Ensure your loved ones are financially secure, no matter what the future holds.
Debt Elimination – Reduce and eliminate debt so you can free up income for building wealth.

3. Growth - Expand Your Financial Strength

Once your foundation is secure, it’s time to grow.

We will guide you in boosting income, investing wisely, and preparing for major life goals.

Additional Income Strategies – Explore opportunities to increase your earnings and boost cash flow.
Investments – Put your money to work with strategies tailored to your goals and risk tolerance.
Education Planning – Secure your children’s or your own education with smart financial preparation.

4. Legacy - Plan for the Long Run

True financial fitness means building a legacy. Our long-term strategies ensure your retirement is protected and your wealth lasts for generations.

Retirement Planning – Build a secure plan that ensures comfort and stability in your later years.
Wealth Management – Preserve and grow your assets with strategies designed for lasting financial success.

Testimonials: Real Stories, Real Results

INDY

"De Four-Associates transformed the way I approached investing. Their personalized advice and expert insights helped me secure my financial future."

HELEN

"De Four-Associates offers top-notch retirement planning services that are both comprehensive and effective. Their team makes retirement planning a seamless and secure process."

DAMIAN

"I highly recommend De Four-Associates for their unmatched wealth management services. They truly understand individual financial needs and work tirelessly to ensure financial stability."

ALEXIS

"De Four-Associates provided me with tailored solutions that perfectly fit my investment goals. Their dedicated team guided me through every step with professionalism and care."

ALTHEA

"The team at De Four-Associates provided me with exceptional investment advisory services. Their insights and expertise allowed me to make informed decisions for a prosperous financial future."