Your Financial Future
Financial Architects (“FA”) provides comprehensive financial planning solutions by analyzing a client’s overall financial picture; including tax planning, investment management, and insurance. The firm works in a team approach with CPAs, attorneys and insurance companies to provide solutions to assist clients reach their financial goals.
FA has a strong focus on tax strategy as that is often the single largest impediment to growing net worth and gaining financial freedom. FA has over a dozen unique strategies to reduce the taxes and allow the client to reduce their tax footprint, in other words, to keep more of their own money. Whether the tax liability comes from a business, a salary, or the sale of an asset such as a closely held business or piece of real estate, FA can help.
FAs investment management services use asset allocation strategies that may include alternative investments following the Yale University Endowment Model (developed by David Swenson and Dean Takahashi), allocating assets not only to traditional asset classes, like stocks and bonds, but to the total investable landscape globally. In the endowment model, FA aims to mimic part or all of a more diversified portfolio that successful professional investors have benefitted from through the years. The endowment model builds on the application of modern portfolio theory where investors are not limited to the liquid markets, but can invest into alternative investments. These investments, often with limited or no liquidity, are typically less correlated to the liquid stock and bond markets, allowing for a potentially higher degree of diversification.
Important Birthdays Over 50
Here's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.
The Utility of Sector Investing
Successful sector investing is dependent upon an accurate analysis about when to rotate in and out.
The Good Ship IPO
The seas of the market are constantly shifting. Whether the good ship IPO can set sail may depend heavily on the tides.
Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.
The item most homeowners forget on their home improvement project checklist is insurance.
When considering life insurance, it's important to understand your options.
You face a risk for which the market does not compensate you, that can not be easily reduced through diversification.
A look inside the U.S. government's statistics on household net worth.
Business owners may be able to protect themselves from the financial consequences of losing a key employee.
Use this calculator to assess the potential benefits of a home mortgage deduction.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
Estimate how much income may be needed at retirement to maintain your standard of living.
Determine if you are eligible to contribute to a traditional or Roth IRA.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Using smart management to get more of what you want and free up assets to invest.
The importance of life insurance, how it works, and how much coverage you need.
There are some key concepts to understand when investing for retirement
How federal estate taxes work, plus estate management documents and tactics.
A presentation about managing money: using it, saving it, and even getting credit.
A bucket plan can help you be better prepared for a comfortable retirement.
Women must be ready to spend, on average, more years in retirement than men.
The market is as unpredictable as the weather. We’d love to help you prepare.
Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.
Learning more about gold and its history may help you decide whether it has a place in your portfolio.
In the world of finance, the effects of the "confidence gap" can be especially apparent.