Retirement ArchitectureTM

Designing Financial Plans that Achieve 
Retirement Dreams 

How to Protect Your Retirement Dreams

We design custom financial blueprints that change the way people view their retirement assets. Our designs illustrate the impact of market volatility, retirement tax exposure and how detailed planning can optimize their golden-years. We often compare constructing a dream retirement to the construction of a dream home. No one would try to build a dream home without blueprints. Construction starts with vision. We help people envision their retirement, then we transfer that vision into a set of build-plans. When they love the final design, its time for our member Advisors to get busy building it!     

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Beautiful Math to the Rescue

We are architects and engineers of complex retirement plans.  Below is a snip of the calculations we utilize when creating our retirement blueprints. One session and you will no longer be afraid of how bad the markets will get.

Schematic view of our Blueprint

Schematic view of our Blueprint


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Contact Information

Our licensed Advisors serve all fifty states!

Retirement Architecture
278 Mill Street, Fifth Floor
Poughkeepsie, NY 12601


Retirement Architecture has never "managed" investment dollars, instead, we have dedicated our efforts to protecting retirement savings from taxation and market risk. Both of these harmful forces are now clear and present dangers to anyone hoping to retire today, this year or even fifteen years from now! No layoffs here...our team has seamlessly moved to their home offices and have been working twelve-hour days to help people cope with the current "doom and panic" caused by this unprecedented market-meltdown. We want to help you, and have an interesting perspective we would like to share with you that may help settle your nerves a bit.  We call it the "Time Machine".


Check out a full set of plans (actual size 18" x 24"):

Check out a full set of plans:

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The above screen-capture of the S&P 500 was taken at 12:13 PM EDST on March 18, 2020.  Why is this important for you to see? Because we all need to put what's going on with our retirement savings in perspective. Everyone we have spoken with since Covid-19 took center stage is expecting a rapid market rebound, "in like two weeks", and they'll recoup all the money they just lost. This is known as the "Disposition Effect"; something we have been warning people about for the last five-years! 

For those of you unfamiliar, the Disposition Effect is an investment behavior in which we celebrate winnings, even when capturing the winnings before a market top and, at the same time, its the behavior that will cause us to incur massive losses during this financial crisis hoping to get back what we feel we lost.  In short, the underlying behavior science is simple...we all hate to lose money! 

When someone says, "I just lost $400,000 in the last three weeks!", we try to calm their fear by telling them, "you didn't lose anything, you just went back-in-time".  Think about it, you didn't "make it" and you won't "lose it" until you sell your underlying holdings.  When you read the above chart as a measure of time, you theoretically just went back to August 4th, 2017, less than three years ago. This is where we can't resist taking a jab at your current "financial advisor"; the person who kept you believing the stock market bubble was impenetrable. The same person who probably said we were dooms-dayers and how transferring a portion of your retirement savings to our principal guaranteed strategies would result in lost opportunities. 

Blame aside, you now find yourself feeling powerless. You can't sell and miss the bounce, but at the same time, you will start losing sleep thinking how much further back in time you may go.  No one knows what will happen and we are not going to compete with those who have the latest version of the Magic 8-Ball. The markets are likely to continue their slinky-walk down the staircase of time...nothing we can do about that now.  This is where our retirement blueprints shine!  We can help you put all this in perspective, we can help you see how this crisis plays out in your future.  The truth is, every plan we have ever printed has a "Covid-19 like" market collapse already built-in.  In fact, we will hand $10,000 to anyone possessing a blueprint from our company that does not have a year exactly like what we are experiencing already in the plan!  Ask your financial advisor if he/she will make that same offer.

Don't build a bomb shelter, buy bullets or start hoarding flour.  This will pass, it may get worse, but it will pass.  Why not be productive with your forced downtime and get a blueprint started?  Until further notice, we will build you a custom retirement blueprint FREE OF CHARGE.  It's our way of helping you through these stressful times. 

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