{"url":"https://nivawealth.com/firms/fai-advisors-122132","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/122132","regulatoryAum":302044135,"crd":"122132","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7348508","suffix":null,"lastName":"Azzo","firstName":"Bryan","middleName":null},{"crd":"2229246","suffix":null,"lastName":"COUSINS","firstName":"CHRISTOPHER","middleName":"GEORGE"},{"crd":"2106244","suffix":null,"lastName":"MARODY","firstName":"PATRICK","middleName":"JOSEPH"},{"crd":"2975566","suffix":null,"lastName":"ROBISON","firstName":"CLIFFORD","middleName":"JAMES"},{"crd":"6559507","suffix":null,"lastName":"Vincent","firstName":"Chavez","middleName":null}],"total":5,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2023-03-31","regulatoryAum":210000000,"clients":355,"employees":8,"offices":1},{"filedOn":"2024-06-28","regulatoryAum":250000000,"clients":513,"employees":13,"offices":1},{"filedOn":"2025-07-15","regulatoryAum":301249305,"clients":521,"employees":12,"offices":1},{"filedOn":"2026-03-20","regulatoryAum":302044135,"clients":370,"employees":11,"offices":1}],"secFileNumber":"801-127868","legalName":"Fai Advisors, Inc.","displayName":"FAI Advisors","slug":"fai-advisors-122132","website":"https://financialarch.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2006","organization":"Michigan corporation","fiscalYearEnd":"December","headquarters":{"street":"27500 Drake RD., Suite 110","city":"Farmington Hills","state":"MI","stateName":"Michigan","country":"United States","postalCode":"48331"},"tradeNames":["Financial Architects, Inc."],"registration":{"secApproved":"1 May 2023","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":828079.2369146006,"staff":{"employees":11,"advisory":5,"brokerDealerReps":0,"insuranceAgents":8,"promoters":0},"aum":{"regulatory":302044135,"discretionary":281434753,"discretionaryAccounts":649,"nonDiscretionary":20609382,"nonDiscretionaryAccounts":141,"wrapProgram":118707277,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":270,"regulatoryAum":88575532},{"label":"High-net-worth individuals","clients":93,"regulatoryAum":212017231},{"label":"Charitable organizations","clients":3,"fewerThan5":true,"regulatoryAum":455658},{"label":"Corporations and other businesses","clients":4,"fewerThan5":true,"regulatoryAum":995714}],"feePrograms":[{"role":"main","program":"Investment Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022854","versionId":1022854,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-20","documentName":"ADV PART 2","fee_rate_low":0.45,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Consulting Services","summary":"Consulting fees are agreed in writing before work starts, as a one-time fixed fee or an annual fee set in the client agreement; they are negotiable and no fee is charged for the initial consultation.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022854","versionId":1022854,"submittedOn":"2026-03-20","documentName":"ADV PART 2"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:47:58.162807+00:00","documents":[{"name":"ADV PART 2","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022854","versionId":1022854,"submittedOn":"2026-03-20"}]},"custodians":[{"name":"SEI Investments Distribution Co.","shortName":"SEI Investments Distribution","location":"1 Freedom Valley Drive, PA","smaAssets":300126860}],"custodyNote":"FAI Advisors has custody of $55.7K in client assets for 1 client.","otherCustodians":[],"leadership":[{"name":"Christopher Cousins","title":"President and CCO","crd":"2229246"},{"name":"Patrick Marody","title":"Vice President","crd":"2106244"}],"ownership":[{"label":"Christopher Cousins","detail":"President and cco in the 50% to 75% ownership band and a control person, since June 2019."},{"label":"Patrick Marody","detail":"Vice president in the 50% to 75% ownership band and a control person, since June 2019."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Michigan","offices":1,"addresses":[{"street":"27500 Drake RD., Suite 110","city":"Farmington Hills","headquarters":true}]}],"brochureServices":["estate planning","insurance"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"248-482-3600","stateRegisteredReps":5,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)","Other"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":40},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":2},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":49},{"label":"Cash and cash equivalents","percent":6},{"label":"Other","percent":1,"detail":"Investment Company Securities (Variable Annuities)"}],"privateFunds":0},"sources":{"adv1FilingDate":"20 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/122132/PDF/122132.pdf","brochureDate":"20 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022854","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does FAI Advisors have?","answer":"FAI Advisors has 370 clients and manages $302 million for them, as of March 2026. They include 270 individual clients, 93 high-net-worth individuals, and 4 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 20 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does FAI Advisors offer?","answer":"FAI Advisors provides financial planning, portfolio management for individuals and small businesses, selecting other managers, estate planning, and insurance.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does FAI Advisors charge?","answer":"FAI Advisors charges 0.45%–1.00% a year for its Investment Management Services. The fee is billed in arrears and is negotiable.","source":"ADV PART 2, filed 20 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does FAI Advisors use?","answer":"FAI Advisors’ separately managed account assets are held at SEI Investments Distribution Co. (1 Freedom Valley Drive, PA), with $300M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does FAI Advisors have?","answer":"FAI Advisors has 5 investment adviser representatives registered with state securities authorities, out of 11 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 8 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does FAI Advisors invest in?","answer":"At the end of its last fiscal year, FAI Advisors’ separately managed accounts held 49% registered funds (mutual funds, ETFs, BDCs), 40% exchange-traded equities, 6% cash and equivalents, 2% state and local bonds, 1% U.S. government and agency bonds, 1% investment grade corporate bonds and 1% other. The 1% other category is described as: Investment Company Securities (Variable Annuities).","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns FAI Advisors?","answer":"FAI Advisors’ direct owners are Christopher Cousins (50% to 75%) and Patrick Marody (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 20 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does FAI Advisors get paid?","answer":"FAI Advisors is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact FAI Advisors?","answer":"FAI Advisors’ main office is at 27500 Drake RD., Suite 110, Farmington Hills, MI 48331. Its phone number is 248-482-3600. Its website is financialarch.com.","source":"Form ADV Part 1A, Item 1.F, filed 20 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}