Four Corners Capital
Phil Adra
Wealth Management Advisor|CFP®, CPA, CLU®, CLTC®, RICP®
PERSONAL
Phil and his wife Kimberly are proud parents to Cole, Annie, Case, and Crew. Born and raised in New Orleans, Phil attended LSU where he obtained a Bachelors in Finance and Masters in Accounting. After moving to Atlanta in 2006, Phil worked as a consultant with Ernst & Young prior to starting his financial planning practice in 2009. Phil enjoys being outdoors, spending time with friends and family, playing tennis and golf, traveling, and supporting the Atlanta Braves, New Orleans Saints, and LSU Tigers.
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Forbes Best-In-State Top Financial Security Professional - 2022 (#6 out of 21 named in Georgia), 2023 (#15 out of 25 named in Georgia), 2024 (#11 out of 29 named in Georgia). Research and ranking provided by SHOOK Research. Based upon data as of 12/31/2021, 12/31/2022, & 12/31/2023. Northwestern Mutual & its advisors do not pay for placement on 3rd party rating lists, but do pay marketing fees to these organizations to promote the rating(s). Rankings and recognitions are no guarantee of future investment success. |
PROFESSIONAL
My Process
Before I can speak intelligently about the services that might be appropriate for you and your family, I need to get to know you. And, before you can feel comfortable sharing your goals and dreams, you need to get to know me. That's why I work closely with my clients to develop innovative solutions that meet their long-term financial goals and objectives.
My Services
I deliver comprehensive financial planning to individuals, families, and business owners by building tax advantaged wealth accumulation strategies that also address the short and long-term risks that can interrupt your cash flow. Conversations with my clients typically revolve around putting together a long-term financial game plan that encompasses managing investments, mitigating risk, and saving money tax efficiently.
Years of Experience
I started my financial planning practice with Northwestern Mutual in 2009. Prior to this, I spent three years as a consultant with Ernst & Young.
Awards and Recognition
- FORBES Best-In-State Top Financial Security Professionals 2022 (#6 out of 21 named in Georgia), 2023 (#15 out of 25 named in Georgia), 2024 (#11 out of 29 named in Georgia)
- Celebrates excellence in comprehensive financial planning that incorporates investments and insurance to meet client needs
- Forbes evaluated advisors based on assets under management, production and premiums, persistency rates, and death benefits. They also looked at advisors who "provide a full client experience" including planning approach and breadth of services.
- LSU100: 2019 (#34), 2020 (#76), 2021 (#50), 2022 (#23)
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- 100 fastest growing LSU graduate-owned or graduate-led businesses in the world
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- 2019 WealthManagement.com Thrive Award
- America’s 200 fastest-growing and most productive financial advisors
- 2013-2023 NAIFA Atlanta Top Advisor Under 40
- Top advisors in Atlanta under the age of 40
- NAIFA 2012-2016 Quality Award
- Commitment to excellence in service to clients and industry
Certifications
CERTIFIED FINANCIAL PLANNER™ Professional
The CERTIFIED FINANCIAL PLANNER™ Professional certification is one of the most recognized financial planning marks in the world. The certification identifies to the public those individuals who have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence when dealing with clients. The certification differs from an educational designation or state license in that it is based upon requirements that have been determined by extensive job analyses of actual practitioners in the field, and therefore, continue to evolve with the profession. The certification prepares the financial services professional for a career-long commitment to meeting the ever-changing financial needs of clients.
Retirement Income Certified Professional (RICP®)
The RICP® is the nation’s leading credential for building integrated and comprehensive retirement income plans. A key focus is understanding, choosing, and executing a sustainable retirement income strategy from available resources—whether that means using systematic withdrawals from a portfolio, building a retirement income floor with bonds or annuities, or using a bucket strategy. The program, developed by more than 45 of the nation’s top financial retirement advisors, provides RICP® credential holders with best practices in areas including:
- Social Security claiming
- Evaluating and addressing risks faced in retirement financial planning
- Choosing distributions from employer sponsored retirement financial plans
- Medicare and other health insurance choices
- Planning for long-term care needs
- Choosing appropriate housing
- Retirement income tax and legacy planning
Chartered Life Underwriter (CLU®)
The CLU® is respected internationally as risk management's highest standard of knowledge and trust. Since 1927, The American College has awarded this designation to professionals The "Certified in Long-Term Care" (CLTC) designation was created in 1999. It focuses on the discipline of extended care planning. It provides professionals the critical tools necessary to discuss the subject of longevity and its consequences on their client's family and finances. Certificants learn how to mitigate these consequences by developing a plan to protect their clients and their families who obtain the advanced education to address the insurance needs of every client they serve.
Here are my areas of expertise
Financial Planning
Insurance Protection Strategies
Life Insurance Strategies
Retirement Planning & Income Strategies
Education Planning & Funding
Disability Planning
Multigenerational Planning
Estate Planning
Lending a hand in my community.
As part of Northwestern Mutual, I'm proud to help accelerate the search for better childhood cancer treatments while supporting families undergoing treatment, and survivors from late effects. Here are some of the organizations we partner with:
- LSU Foundation National Board
- Alex's Lemonade Stand sponsor
- CURE Childhood Cancer sponsor
- No Longer Bound sponsor
- North Atlanta Business Alliance
- North Fulton Community Charities sponsor
- Modern Chivalry Men Board Member
- Member of NAIFA Atlanta
LSU Foundation
As an LSU alumni and member of the LSU Foundation's National Board of Directors, Phil Adra is passionate about giving back to his alma mater. He and his family were strategic in making the “biggest gift possible.” As a seasoned financial planning professional, Phil has the background to be creative and think outside the box. He purchased a permanent life insurance policy and named LSU as the owner and beneficiary. The premiums are tax-deductible and none of the proceeds are taxable under IRS life insurance rules. “LSU Foundation's mission is to serve as a catalyst in supporting transformational philanthropic efforts," says Phil. "My family's endowment creates multiple scholarships for Georgia and Louisiana high school students to help expand LSU’s national footprint."
Alex's Lemonade Stand Foundation for Childhood Cancer (ALSF)
ALSF funds cancer research, raises awareness, and supports the families of children with cancer. Since 2012, Northwestern Mutual, its employees, and financial professionals like me have donated more than $20 million to support ALSF and fund over 400,000 research hours.
How Northwestern Mutual helps you live the life you want.
When people feel better about their money, good things happen—they become more confident and feel more secure. For more than 160 years, Northwestern Mutual has helped people achieve the financial flexibility they need to live more and worry less.
Being a mutual company means Northwestern Mutual reports to its clients, not Wall Street. They don't believe in chasing fads or taking undue risk for short-term gains. Instead, they take a long-term approach—both in the way we help people plan to reach their goals, and in the way they do business. This has served their clients (and mine) well through all kinds of economic ups and downs, including wars, recessions, even the recent pandemic.
It's why I'm happy to be part of a company that's in it for the long-haul and prioritizes clients over profit.
