The 4D Legacy Experience
Our trademarked planning process to eliminate guesswork and give you 100% clarity in your retirement.
Details
Understand the facts and figures of where you are today - no fluff, no guessing.
Dream
Clarify what you actually want your retirement and legacy to look like - on your terms
Design
Build the blueprint - your customized plan to get from where you are to 100% certainty.
Deploy
Align the right people to execute your plan - your financial team.
We Help You Solve What Really Matters
Will I Run Out of Money?
Most retirees worry if their money will last — especially when the market dips. We help you optimize your Social Security, pension, and investments so your income is steady and sustainable for life.
Am I paying Too Much in Taxes?
Smart planning helps you pay less over your lifetime — not just this year. We use Roth conversions, distribution timing, and tax buckets to help you keep more of what you’ve saved.
Is My Estate Set Up in a Tax-Efficent Way?
Your legacy shouldn’t be eroded by taxes or stuck in probate. We ensure your assets pass efficiently to your loved ones — the way you intend — with the least possible tax drag.
Real Feedback From Our Clients
Chad M Centorbi
Founder | Fiduciary Wealth Advisor
Helping clients confidently navigate retirement transitions for 25+ years
Who I Am
I’m Chad Centorbi — a fiduciary wealth advisor, flat-fee planner, and founder of Centorbi Financial. After nearly two decades of helping families retire confidently, I built the 4D Legacy Experience to eliminate guesswork and give clients 100% clarity in retirement.
Why I Do This
For many of my clients, it’s not just about “more money.” It’s about peace of mind. It’s about making decisions today that support their lifestyle, protect their loved ones, and leave a lasting legacy.
What You Can Expect
No product pushing. No sales pressure. Just a structured, proven process that helps you understand where you are, what you want, and how to get there — clearly, confidently, and with purpose.