Financial Architects provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions. Financial planning was provided to 1–10 clients last fiscal year.
Financial Architects reports 100 clients. They include 61 high-net-worth individuals and 39 individual clients. Of its assets, 100.0% ($199M across 345 accounts) are managed with discretion. It advised 7 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 39% | 9% |
| High-net-worth individuals | 61% | 91% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 39 | $17.6M | 8.9% | $452K |
| High-net-worth individuals | 61 | $182M | 91.1% | $2.98M |
| Total | 100 | $199M | 100% | $1.99M |
- Clients
- 39
- Regulatory AUM
- $17.6M
- AUM share
- 8.9%
- Avg. per client
- $452K
- Clients
- 61
- Regulatory AUM
- $182M
- AUM share
- 91.1%
- Avg. per client
- $2.98M
Total
- Clients
- 100
- Regulatory AUM
- $199M
- AUM share
- 100%
- Avg. per client
- $1.99M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 7
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Financial Architects charges 0.50%–1.00% a year for its Portfolio Management. Each asset band is charged at its own rate. The fee is billed in arrears. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$2M | 1.00% |
| $2M and above | 0.50% |
Fee details and sources
Other fees
- Financial Planning
- Comprehensive financial planning is typically a $6,000 fee, with half due at the start and the rest on delivery, depending on complexity and scope.
- General Consulting
- General consulting is negotiated per engagement, normally at an hourly fee of $500 or a flat fee.
David Hultstrom owns 75% or more of Financial Architects. The leadership team of Financial Architects includes President David Hultstrom and Chief Compliance Officer Kaitlyn Barnes. It has 3 employees.
Leadership
David HultstromPresident, Portfolio Manager
Anitha RaoVice President, Wealth Manager
Kaitlyn BarnesFinancial Planner, Chief Compliance Officer
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 75% or more of Financial Architects, LLC
David Hultstrom
Control person · since April 2001
- Owns 10% to 25% of Financial Architects, LLC
Anitha Rao
since October 2005
Financial Architects’ regulatory assets grew 1.6× from $125M (April 2022) to $199M (February 2026); clients rose from 82 to 100 and employees were 3 in both filings. In 2016, Advisor Financial Services joined it.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $199M | 100 | 3 | 1 |
| February 2025 | $167M | 92 | 3 | 1 |
| January 2024 | $137M | 87 | 3 | 1 |
| February 2023 | $112M | 84 | 3 | 1 |
| April 2022 | $125M | 82 | 3 | 1 |
Firms that joined
20161 joined
- Advisor Financial ServicesNo filed AUM
Firms whose SEC withdrawal reports a sale to this firm, and deals reported in the press. Teams that moved without selling a registered firm may not appear.
Besides its headquarters, Financial Architects has 0 offices, with 1 listed address in Georgia.
Georgia · 1 listed address
- 302 Creekstone Ridge, WoodstockHQ
Contact and registration details
- Legal name
- Financial Architects, LLC
- Headquarters
- 302 Creekstone Ridge, Woodstock, GA 30188
- Website
- financialarchitectsllc.com
- Phone
- 770-517-8160
- @financialarchitects
- SEC file
- 801-125000
- Structure
- Georgia LLC
- Fiscal year end
- December
Financial Architects uses Charles Schwab ($199M) as custodian for its separately managed accounts. Financial Architects has custody of $72.4M in client assets for 85 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $199M100%
At year end, Financial Architects’ separately managed accounts were mostly in stocks (94%). Its reported 13F holdings for the quarter ended 30 June 2026 total $209M across 24 positions; the largest are Schwab Strategic TR (19.9%), Vanguard Index Fds (13.7%) and Vanguard BD Index Fds (9.7%).
What the accounts hold
- Stocks94%
- Funds5%
- Cash1%
Reported 13F holdings
- $209M
- Reported 13F value
- 24
- Positions
- 86.3%
- In the 10 largest
- +10.0%
- Value vs. prior quarter
- Schwab Strategic TR · US Tips ETF19.9%
- Vanguard Index Fds · Total Stk Mkt13.7%
- Vanguard BD Index Fds · Total Bnd Mrkt9.7%
- Vanguard Charlotte Fds · Total Int BD ETF8.0%
- Goldman Sachs ETF TR · Activebeta US7.8%
- Dimensional ETF Trust · US Small Cap ETF6.0%
- Vanguard Scottsdale Fds · Inter Term Treas5.7%
- iShares TR · MSCI USA Mmentm5.5%
- Dimensional ETF Trust · Emerging Mkts VA5.4%
- Dimensional ETF Trust · Intl Small Cap V4.8%
Together, the ten largest are 86.3% of reported value.
How many clients does Financial Architects have?
Financial Architects has 100 clients and manages $199 million for them, as of February 2026. They include 61 high-net-worth individuals and 39 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 4 February 2026
What services does Financial Architects offer?
Financial Architects provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Financial Architects charge?
Financial Architects charges 0.50%–1.00% a year for its Portfolio Management. Each asset band is charged at its own rate. The fee is billed in arrears.
Source: FINANCIAL ARCHITECTS, LLC BROCHURE, filed 4 February 2026
Which custodians does Financial Architects use?
Financial Architects’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $199M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 4 February 2026
How many financial advisors does Financial Architects have?
Financial Architects has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Financial Architects invest in?
At the end of its last fiscal year, Financial Architects’ separately managed accounts held 94% exchange-traded equities, 5% registered funds (mutual funds, ETFs, BDCs) and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Financial Architects?
Financial Architects’ direct owners are David Hultstrom (75% or more) and Anitha Rao (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 4 February 2026
How does Financial Architects get paid?
Financial Architects is paid through a percentage of assets under management, hourly charges 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
How do I contact Financial Architects?
Financial Architects’ main office is at 302 Creekstone Ridge, Woodstock, GA 30188. Its phone number is 770-517-8160. Its website is financialarchitectsllc.com.