Broker Check

Live Your Best Life Today
While Preparing For
Tomorrow

At R4 Risk & Wealth Solutions, we understand that your financial well-being is more than just numbers on a balance sheet. It's about your dreams, aspirations, and the legacy you wish to leave behind. As a multi-generational family business, we have been dedicated to helping individuals, families, businesses, trusts, charities, and other entities achieve their financial goals since the 1970s.

 R4 Risk & Wealth Solutions, where our family's legacy of financial expertise spans generations. Named after our founder, Peter, and his three sons, who together form the four partners of our firm, R4 embodies our commitment to independent thinking, personalized service, integrity, and excellence in serving our clients.

Schedule a Call

What We Do
Help you create
unshakable financial
clarity.

How We Help

Our Services

Insurance Solutions: Our expertise in the insurance industry allows us to provide comprehensive coverage for individuals, families, and businesses. From life and disability insurance to employee benefits such as medical, dental, and vision plans, we offer personalized solutions to protect what matters most to you.

Investment Advisory: Planning for the future requires careful management of your assets. Our investment advisory services are designed to help you build and maintain investment portfolios that align with your financial objectives and risk tolerance.

Financial Planning: Whether you're planning for retirement, saving for your child's education, or structuring your estate, our team of experienced advisors can help you navigate the complexities of financial planning with confidence.

Business Solutions: From small startups to large corporations, we offer a comprehensive suite of business solutions, including employee benefits planning, trust services, and tailored insurance coverage to help businesses thrive in today's competitive landscape.

.

Why Work With Us 
Because Life Happens

At R4, we believe in the power of collaboration and partnership. As an independent, family-owned and operated firm, we treat every client like a member of our own family. By combining our decades of experience with our personalized approach, we strive to build lasting relationships based on trust, integrity, and mutual respect. 

Gain Control 

At R4 Risk & Wealth Solutions, we understand that taking control of your financial situation is crucial for achieving your long-term goals and securing your future. Our firm is dedicated to empowering our clients with the knowledge, tools, and strategies they need to navigate the complexities of the financial landscape with confidence and clarity.

How We Help
Build confidence for
your financial future.


Schedule a Call


Integrity and Discipline

Our approach is grounded in integrity and discipline. We believe that by acting with unwavering integrity and adhering to strict discipline, we can deliver impactful, accurate, and realistic plans of action that truly serve our clients' best interests. With R4, you can trust that every recommendation and decision is made with your financial well-being at the forefront.


Thoughtful Planning and Implementation

We recognize the importance of thoughtful planning and implementation in achieving financial success. That's why we take the time to thoroughly assess your unique circumstances, goals, and aspirations before developing a customized strategy tailored to your needs. From comprehensive financial planning to meticulous investment management, we ensure that every aspect of your plan is carefully considered and thoughtfully executed.


Preventing Bad Decisions

We understand that without thoughtful planning and implementation, bad decisions can easily be made, leading to undesirable outcomes. At R4, we strive to mitigate this risk by providing proactive guidance, ongoing support, and a commitment to excellence in everything we do. By partnering with us, you can rest assured that your financial future is in capable hands for future generations.

About Us 
Welcome to R4 Risk & Wealth Solutions

At R4 Risk & Wealth Solutions, we understand that your financial well-being is more than just numbers on a balance sheet. It's about your dreams, aspirations, and the legacy you wish to leave behind. As a multi-generational family business, we have been dedicated to helping individuals, families, businesses, trusts, charities, and other entities achieve their financial goals since the 1970s.  R4 has national reach with a local touch.  Due to the infrastructure and dedication, we are licensed in more than half the country. 

Our Heritage 

Founded by Peter Rosengard, R4 Risk & Wealth Solutions has deep roots in the insurance industry. Over the years, we have evolved into a comprehensive financial services firm, offering a wide range of solutions tailored to meet the unique needs of our clients.

Get to Know Our Advisors

Peter S. Rosengard has been a financial professional for over 4 decades.  He has experience working with all diverse types of clients: individuals and businesses. As a business owner, Peter has an expertise in helping businesses offer world class benefits at competitive costs as well as protecting the business from any employment trends and/or litigation by properly planning.  He studied at the University of Maryland and lives in New Jersey.

Michael E. Rosengard became a fully credentialed insurance advisor 16 years ago.  Michael focuses on the business insurance, employee benefits p&c, at R4. He has an expertise in structuring insurance plans for businesses of all sizes in order to achieve the goal as well as overseeing the management of the plan from client education to servicing to analyzing the plan health.  He has a strong ability to understand each business's needs.  Michael studied at Rutgers University and lives in New Jersey.

David A. Rosengard became a fully credentialed financial advisor 14 years ago.  David focuses on the investment and retirement plan business at R4.  He has expertise in investment management as well as client education.  He has a strong ability to speak at the correct level with any client.  David studied at Rutgers University and lives in New Jersey.

Benjamin A. Rosengard has been in the investment industry for over a decade.  Benjamin focuses on portfolio management and strategy as well as business operations.  He has expertise in financial markets and investing as well as building out systematic processes.  Benjamin studied at the University of Maryland and lives in Pennsylvania.

Learn more

Resources 
Articles & Events


Social Security: The Elephant in the Room

Social Security: The Elephant in the Room

Learn More
Once Upon a Goal

Once Upon a Goal

Learn More
The Cycle of Investing

The Cycle of Investing

Learn More

Contact Us 
We Want to Hear
From You

Who We Serve 

At R4 Risk & Wealth Solutions, our clients are at the heart of everything we do. We are dedicated to serving a diverse range of individuals, families, businesses, and entities with our comprehensive investment and insurance services. No matter your needs or goals, we are here to help you navigate the complexities of financial planning with confidence and clarity. 

Individuals and Families 

  • Our individual and family clients rely on us to provide tailored solutions for all their financial needs. Whether you're planning for retirement, saving for your children's education, or preparing for unexpected expenses, our team of experienced advisors is committed to helping you achieve your goals. From investment management to insurance coverage, we'll work closely with you to develop a personalized strategy that meets your unique needs and aspirations. 

Businesses of All Sizes 

  • From small startups to large corporations, businesses trust R4 to provide comprehensive insurance and investment solutions that help them attract and retain top talent while keeping costs manageable. We specialize in designing employee benefits packages, including medical, dental, vision, and ancillary insurance lines, as well as commercial property & casualty insurance. Additionally, our cash management investment accounts offer businesses an opportunity to increase the yield on their money before it's utilized, providing greater financial flexibility and stability. 

Entities and Organizations 

  • Entities such as trusts, charities, foundations, and others rely on our investment management services to grow and preserve their assets. With our superior service, transparent fee structure, and carefully curated investment portfolios, we help entities of all types achieve their financial objectives while adhering to their unique mission and values.

Why Choose R4 

  • At R4 Risk & Wealth Solutions, we differentiate ourselves through our unwavering commitment to superior service, transparent fee structure, and personalized approach to financial planning. Whether you're an individual, family, business, or entity, you can trust us to be your dedicated partner in building a secure financial future. Contact us today to learn more about how we can help you achieve your goals and secure a brighter tomorrow.
Thank you!
Oops!