SUMMARY:

“Easy Millionaire” host Steve Straub talks with Tim Brown, the founder of Four Quarters Capital, about his path from inconsistent student to coach to independent financial advisor. The conversation focuses on how persistence, listening, and humility shaped both his coaching career and the way he now helps clients make better money decisions. Tim also breaks down what fiduciary duty really means in practice, why starting late is still meaningful, and how his firm is built for people who never got much financial guidance early on.

DETAILS:

On this episode of the “Easy Millionaire” podcast, Steve Straub talks with Tim Brown, the founder of Four Quarters Capital, an independent registered investment advisor in Lexington, Kentucky. Tim coached basketball for 15 years, and the firm’s name comes from that work. His best teams took care of business in the first three quarters, so the fourth quarter held no stress. He wants clients to handle their money the same way. Four Quarters Capital has no asset minimum because, as Tim puts it, no coach would agree to coach only if the team started the second half up by 20.

Tim describes an unusual path. He spent ten years as a volunteer before he coached a college game, worked as an auto claims adjuster, and passed through the insurance and financial-sales world before starting his own firm. He credits audacity and persistence with getting him there. He also talks about lessons he learned the hard way, including building a work ethic late and getting caught in the 2008 housing crash. Those experiences shaped his mission to be the financial mentor many people never had growing up.

CONNECT WITH TIM:

Four Quarters Capita: (859) 940-9977, times@4quarterscapital.com

CONNECT WITH US:

🤝Want to be a guest? Email Steve at Steve@NovaInsuranceGroup.com.

🏠 Learn more about NOVA Insurance Group at https://novainsurancegroup.com/.

🎧 Listen to more podcast episodes from NOVA Insurance Group on Apple and Spotify.

📊 Find us on Instagram, Facebook, and LinkedIn at NOVA Insurance Group.

#NOVAInsuranceGroup #Kentucky #Insurance #FinancialPlanning #EasyMillionaire #ExitPlanning

TIMESTAMPS:

(00:00) Tim Brown introduced and Four Quarters Capital origin story

(02:14) Why the current quarter matters most

(03:42) Money, time, and the trade-off between saving and living now

(06:32) Early work ethic, family influence, and learning discipline the hard way

(08:53) Grad school as the turning point for focus and accountability

(11:17) How Tim started coaching through audacity and persistence

(13:00) The game that made coaching feel real

(14:44) Why persistence mattered more than credentials or timing

(17:32) Watching film, seeing the whole court, and simplifying the message

(21:28) Why client-specific concerns matter more than generic advice

(24:37) What fiduciary duty actually means in practice

(27:07) Tim’s early finance and insurance experience

(34:07) Realizing he had the license and ability to start his own firm

(37:07) How family finances and frugality shaped his perspective

(39:20) Building a firm for people who never got financial guidance

(40:36) Why listening is the top skill in wealth management

(42:23) What Tim tells people who start investing later in life

(44:28) How to reach Four Quarters Capital