Financial Arcitects provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions. Financial planning was provided to 251–500 clients last fiscal year.
Financial Arcitects reports 902 clients. They include 810 individual clients, 87 high-net-worth individuals and 2 charitable organizations. Of its assets, 99.5% ($470M across 2,063 accounts) are managed with discretion; $2.4M across 6 accounts are not. It advised 3 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 90% | 40% |
| High-net-worth individuals | 10% | 51% |
| Charitable organizations | <1% | 3% |
| Insurance companies | <1% | 4% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 810 | $191M | 40.4% | $236K |
| High-net-worth individuals | 87 | $243M | 51.4% | $2.79M |
| Charitable organizations | Fewer than 5 | $16.5M | 3.5% | $8.26M |
| Insurance companies | Fewer than 5 | $19.1M | 4.0% | $19.1M |
| Corporations and other businesses | Fewer than 5 | $3.14M | 0.7% | $1.57M |
| Total | 902 | $472M | 100% | — |
- Clients
- 810
- Regulatory AUM
- $191M
- AUM share
- 40.4%
- Avg. per client
- $236K
- Clients
- 87
- Regulatory AUM
- $243M
- AUM share
- 51.4%
- Avg. per client
- $2.79M
- Clients
- Fewer than 5
- Regulatory AUM
- $16.5M
- AUM share
- 3.5%
- Avg. per client
- $8.26M
- Clients
- Fewer than 5
- Regulatory AUM
- $19.1M
- AUM share
- 4.0%
- Avg. per client
- $19.1M
- Clients
- Fewer than 5
- Regulatory AUM
- $3.14M
- AUM share
- 0.7%
- Avg. per client
- $1.57M
Total
- Clients
- 902
- Regulatory AUM
- $472M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 3
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Financial Arcitects charges 1.35%–1.50% a year for its Investment advisory services. The fee is billed in arrears. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning services
- Hourly, retainer or project fees negotiated with the advisor, up to $500 an hour; typically due after the plan is delivered.
Matthew Boersen owns 50% to 75% of Financial Arcitects. The leadership team of Financial Arcitects includes President Matthew Boersen. It has 12 employees, 10 of them in advisory roles.
Leadership
Matthew BoersenPresident/Chief Compliance Officer.- Victoria BuffumSecretary
Jaycob KeuningWealth Advisor, Partner
Kenneth WelchWealth Advisor, Partner
Investment adviser representatives
10 representatives listed in the SEC register as of 9 October 2026.
Staff
- 12 employees
- 10 in advisory functions
- 10 state-registered reps
- 3 insurance agents
- Owns 50% to 75% of Financial Arcitects, Inc
Matthew Boersen
Control person · since January 2016
- Owns 10% to 25% of Financial Arcitects, Inc
Victoria Buffum
Control person · since January 2019
- Owns 5% to 10% of Financial Arcitects, Inc
Jaycob Keuning
since January 2025
- Owns 5% to 10% of Financial Arcitects, Inc
Kenneth Welch
since January 2025
Financial Arcitects’ regulatory assets grew 2.8× from $171M (June 2021) to $472M (February 2026); clients rose from 654 to 902 and employees from 5 to 12.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $472M | 902 | 12 | 1 |
| March 2025 | $348M | 797 | 10 | 1 |
| May 2024 | $272M | 739 | 9 | 1 |
| January 2023 | $203M | 639 | 5 | 1 |
| February 2022 | $245M | 482 | 5 | 1 |
| June 2021 | $171M | 654 | 5 | 1 |
Besides its headquarters, Financial Arcitects has 0 offices, with 1 listed address in Michigan.
Michigan · 1 listed address
- 7699 Georgetown Center Drive, JenisonHQ
Contact and registration details
- Legal name
- Financial Arcitects, Inc
- Headquarters
- 7699 Georgetown Center Drive, Jenison, MI 49428
- Website
- straightpathwealth.com
- Phone
- 616-288-3670
- @straight-path-wealth-management
- SEC file
- 801-120307
- Structure
- Michigan corporation
- Fiscal year end
- December
Financial Arcitects uses Charles Schwab ($462M) as custodian for its separately managed accounts. Financial Arcitects does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $462M100%
At year end, Financial Arcitects’ separately managed accounts were mostly in funds (80%) and stocks (18%). Its reported 13F holdings for the quarter ended 30 June 2026 total $428M across 141 positions; the largest are Dimensional ETF Trust (19.5%), Tesla Inc. (11.6%) and Dimensional ETF Trust (9.2%).
What the accounts hold
- Stocks18%
- Funds80%
- Cash2%
- Other2%
- Derivatives1%
- Securities issued by pooled investment vehicles1%
Reported 13F holdings
- $428M
- Reported 13F value
- 141
- Positions
- 68.6%
- In the 10 largest
- +14.3%
- Value vs. prior quarter
- Dimensional ETF Trust · US Cor Equ 2 ETF19.5%
- Tesla Inc.11.6%
- Dimensional ETF Trust · Intl Core Equity9.2%
- Dimensional ETF Trust · Glob CO Plus ETF6.6%
- iShares TR · MSCI USA Mmentm5.7%
- Dimensional ETF Trust · Emerging Mkts CO4.3%
- iShares TR · MSCI Intl Moment3.7%
- Invesco Exch Trd Slf Idx FD · Invsco Blsh 282.7%
- Invesco Exch Trd Slf Idx FD · Buletshs 20292.6%
- Invesco Exch Trd Slf Idx FD · Bulshs 2027 CB2.6%
Together, the ten largest are 68.6% of reported value.
How many clients does Financial Arcitects have?
Financial Arcitects has 902 clients and manages $472 million for them, as of February 2026. They include 810 individual clients, 87 high-net-worth individuals and 2 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 9 February 2026
What services does Financial Arcitects offer?
Financial Arcitects 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 Arcitects charge?
Financial Arcitects charges 1.35%–1.50% a year for its Investment advisory services. The fee is billed in arrears.
Source: ADV FORM PART 2A STRAIGHT PATH WEALTH MANAGEMENT, filed 9 February 2026
Which custodians does Financial Arcitects use?
Financial Arcitects’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $462M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 February 2026
How many financial advisors does Financial Arcitects have?
Financial Arcitects has 10 investment adviser representatives registered with state securities authorities, out of 12 employees, and 10 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 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
What does Financial Arcitects invest in?
At the end of its last fiscal year, Financial Arcitects’ separately managed accounts held 80% registered funds (mutual funds, ETFs, BDCs), 18% exchange-traded equities, 2% cash and equivalents, 1% derivatives and 1% other. The 1% other category is described as: Securities Issued by Pooled Investment Vehicles.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Financial Arcitects?
Financial Arcitects’ direct owners are Matthew Boersen (50% to 75%), Victoria Buffum (10% to 25%), Jaycob Keuning (5% to 10%) and Kenneth Welch (5% to 10%).
Source: Form ADV Part 1A, Schedules A and B, filed 9 February 2026
How does Financial Arcitects get paid?
Financial Arcitects is paid through a percentage of assets under management and hourly charges. 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 Arcitects?
Financial Arcitects’ main office is at 7699 Georgetown Center Drive, Jenison, MI 49428. Its phone number is 616-288-3670. Its website is straightpathwealth.com.