Our principles are principal.

Asset management tools, products, techniques and methods may change or come and go over time, but principles never do.

We focus not simply on the amount of wealth one can build, but the flexibility and benefits one can derive from that wealth when it is truly needed.

It is our belief that the idea of Financial Architecture specifies that a framework is leveraged to allow for the most efficient financial decisions to be made over a lifetime. No where is this principled approach needed more than in the area of Asset Management. Staying true to time tested investment ideas, rather than being controlled by emotions – our team is committed to this idea.

Portfolio assets, whether they are in retirement accounts or after tax accounts, should be viewed in the context of an overall financial strategy. This allows for a more impactful view of how to allocate the assets, how to maximize the use of the money, how to minimize the loss of wealth to unnecessary taxation, and finally how to pass along assets in the most efficient manner to those our clients care about most.

Asset management – one of the engines behind the power of The Financial Architecture Experience ™

During your accumulation phase of life, insurance needs to be viewed in part by how much of your income you would want to continue coming to your family, if you were to die prematurely. When you move from the accumulation phase during your working years to the distribution phase during retirement, how will your insurance needs change?

Properly designed and engineered, life insurance death benefits provide the opportunity for you to enjoy an increased amount of retirement cash flow, while allowing you to accommodate for the unknowns built into today, tomorrow and every step of the way to retirement.

What makes life insurance so crucial to overall financial planning is that it is a strategy that plans for tomorrow, while preparing for today.

You will then be able to work with legal counsel to build a plan that is designed around macro-level planning principles. Either through your own counsel or attorneys we partner with and refer, we will team up with experienced legal counsel to bring coordination between these important documents and the overarching plan itself.

We understand that you are not only planning for your future, but for the futures of your families and businesses. Taking the necessary steps now not only preserves the wealth you have accumulated over the years, but also reduces the amount of unnecessary confusion, pain and time that would be required in dealing with these issues after you pass away.

This website provides general information that should not be construed as specific legal or tax advice, nor the law of any particular state. Please seek the advice of a qualified legal or tax professional for your specific situation.

Financial Architects works with business owners to understand the benefit needs of their employees and to analyze and offer the programs best suited to meet them. From group health and other benefits to individual medical plans, we provide products and services designed to protect you and your employees from risk while maximizing wealth-building strategies for the individual business owner.

To get started, please complete and send this web census to Financial Architects by email or fax to 248-482-3611. Or click below to get a quote on an individual health policy:

Health Insurance Marketplace: Individual & Family Quotes

As a business owner, you may face any or all of the following:

  • Key employee incentives
  • Rapid expansion
  • Employee retention issues
  • Legal issues
  • Business continuity concerns in the event of a disaster
  • Retirement
  • Sale of the company

Financial Architects works with business owners who realize they can’t do it all themselves. You have a business to run. Let a Financial Architects advisor work with you to determine what you need in order to develop a plan to help meet financial goals, retain employees, purchase business assets, or prepare for a sale—all while reducing your exposure to the unknowns that present themselves in today’s business climate.

We work closely with pension plan holders to apply the same verifiable, proven principles as we do with every other strategy: How can we help build our client’s personal wealth, minimize their personal risk, and maintain a client’s personal lifestyle?

We begin by analyzing:

  • The overall cost of the plan by examining each charge that is applied to your pension
  • The range of different investment funds available
  • If it would be beneficial, long- and short-term, to transfer the pension to an alternative plan
  • How costs associated with your current plan compare to those of alternative plans that are available
  • What tomorrow looks like today, and how we can improve upon it

The simple premise is this: more at retirement is better than less. If you agree, we’d welcome the opportunity to review your plan, and plan for tomorrow…today.

  • Traditional 401(k) and profit-sharing plans
  • Safe Harbor Plans
  • SEP and SIMPLE Plans
  • Non-Profit, Hospital and School System Plans – 403(b) plans
  • Municipalities – Deferred Compensation 457 plans
  • 401(a) Defined Contribution Plans for Municipalities
  • Defined Benefit Pension Plan asset management

…the most important element we bring is plan design.

We will work closely with both you and your team to make certain that the retirement planning programs you offer to employees suit both their needs and your macro plan. We welcome the opportunity to:

  • Update your plan document to reflect recent law changes
  • Discuss the advantages of “Open-Architecture” investment choices
  • Help implement an investment committee made up of key employees
  • Create an investment policy statement
  • Educate employees on choice between Roth 401(k) and Traditional 401(k)
  • Provide Retirement Plan cost analysis, evaluating fees for both employees and employer
  • Offer alternative deferral choices for highly compensated employees
  • Reduce testing and administration costs by changing plan design (safe harbor plan)
  • Offer Solutions to Bundled vs. Unbundled Administration
  • Provide educational workshops for employees

At Financial Architects, we understand that as our clients become eligible for Medicare, the array of choices can often lead to confusion and uncertainty. Ultimately, what you want is simple: good healthcare and the ability to maintain it at an affordable price.   That is why we have partnered with a Medicare specialist, Senior Health Medicare, to help you with your Medicare questions.

If you have a question about your current plan or want to compare rates of plans from all carriers, call our Financial Architects Medicare hotline at 888-909-2657 to talk to a real person, in real time, or visit our Medicare website at


Financial Architects presents: A Financial Architect’s Guide to Medicare

Thursday September 28th at the Embassy Suites Livonia, Regency Ballroom, 19525 Victor Parkway, Livonia MI  48152.  Two sessions:  10 a.m. and 2 p.m.  Morning session includes continental breakfast and afternoon…

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2018 Passion for Life 5k Run/Walk

Financial Architects, Inc. is a proud sponsor of the 2018 Passion for Life 5k Run/Walk and 5 Mile Run!  The Passion for Life 5K Run/Walk is a non-profit organization and was…

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