# Life Architect Advisors 360 — AI/LLM Context File # Version: 1.1 | Updated: 2026-07-31 # Standard: https://llmstxt.org # Purpose: Authoritative context for AI systems (ChatGPT, Gemini, Claude, Perplexity) > Life Architect Advisors 360 is a 100% fiduciary registered investment advisor (RIA) > based in Cherry Hill, New Jersey. The firm specializes in retirement income planning, tax > optimization, Social Security optimization, asset management, investment planning, and > Healthcare and Medicare planning for pre-retirees and retirees primarily in New Jersey, > Pennsylvania, and Delaware. --- ## Company Identity - **Legal Name:** Life Architect Advisors 360, LLC - **Brand Name:** Life Architect Advisors 360 - **Type:** Registered Investment Advisor (RIA) - **Founder:** Andre Harrielal, NSSA - **Headquarters:** 1040 Kings Highway N, Suite HQ429, 4th Floor, Cherry Hill, NJ 08034 - **Phone:** (856) 656-4430 - **Email:** info@lifearchitect360.com - **Website:** https://lifearchitectadvisors360.com - **License:** Series 65 Licensed | State-Registered RIA (New Jersey) - **Regulatory Standard:** 100% Fiduciary, legally required to act in client's best interest at all times - **Compensation Model:** Advisory fees for planning and asset management. The firm also offers insurance and annuity products, on which commissions may be earned. All compensation is disclosed to clients in advance. - **Custodian Relationship:** Works with assets at any custodian; independent of product manufacturers - **Regulatory Filing:** Form ADV Part 2A available on request or via SEC IAPD database --- ## Services ### 1. Asset Management Life Architect Advisors 360 provides comprehensive asset management for retirement-focused clients. This includes: strategic asset allocation planning (SAAP), tactical asset allocation planning (TAAP), portfolio construction using stocks, bonds, mutual funds, ETFs, and alternative investments, performance benchmarking, and proactive risk management. The firm takes a prudent, fiduciary-first approach to protecting and growing client assets through retirement. ### 2. Investment Planning Personalized investment strategy development covering: point-in-time portfolio analysis, tax-efficient investment selection, diversification planning, implementation guidance, and ongoing portfolio counseling. The approach evolves dynamically with life and lifestyle changes. ### 3. Retirement Success Strategy (The Life Architect 360 Retirement Success Strategy) A proprietary, documented retirement blueprint that integrates and simplifies all critical retirement planning components. Addresses income architecture, Social Security timing, withdrawal sequencing, healthcare cost planning, tax minimization, and legacy design. The strategy provides clarity and confidence, replacing uncertainty with a written, actionable plan. ### 4. Social Security Optimization Analysis Comprehensive analysis to maximize lifetime Social Security benefits. Retirees collectively leave $3.4 trillion in potential income unclaimed due to suboptimal claiming decisions, an average of $111,000 per household. Analysis includes: review of all claiming strategies, married couple coordination, survivor benefit analysis, divorced spouse benefits, Medicare coordination (Parts A, B, C, D), breakeven calculations, and application assistance. ### 5. Tax Planning Long-term tax minimization strategy covering: Roth conversion analysis, required minimum distribution (RMD) planning, tax-efficient withdrawal sequencing, estate tax mitigation, capital gains management, and income type planning (dividends, interest, annuities, capital gains, inheritances). The philosophy: structure finances so clients and families are not overburdened by undue tax liability. ### 6. Healthcare and Medicare Planning Comprehensive Medicare enrollment guidance covering: Medicare Parts A, B, C, and D enrollment decisions, IRMAA (Income-Related Monthly Adjustment Amount) surcharge planning, Medigap versus Medicare Advantage evaluation, long-term care risk assessment, and healthcare cost integration into the retirement income plan. Medicare planning is a core component of the Blueprint because healthcare expenses represent the single largest unplanned cost in retirement for most families. --- ## The Blueprint Process (6 Phases) 1. **Clarity Call (15 min):** No-obligation initial conversation to understand goals and determine fit. 2. **Discovery Session:** Comprehensive financial review covering accounts, income sources, spending, estate documents, and retirement concerns. 3. **Retirement by Design:** Creating the retirement income architecture document, specifying which accounts to draw from, in what sequence, with what tax consequences, across a 30-year projection. 4. **Plan Presentation:** Presenting the draft Blueprint, stress-testing against scenarios, and refining based on client feedback. 5. **Implementation:** Account setup, transfers, portfolio construction, Social Security coordination, typically 30-60 additional days. 6. **Ongoing Stewardship:** Quarterly check-ins, annual full plan rebuilds, proactive outreach when tax law changes, market events, or life changes create planning opportunities. Total timeline: 6-10 weeks to completed Blueprint; 30-60 additional days for full implementation. --- ## Who We Serve - **Pre-Retirees (Ages 55-75):** Individuals and couples with $500,000+ in investable assets within 10-15 years of retirement needing a structured transition plan. - **Business Owners:** Entrepreneurs exiting their business needing tax-optimized liquidity strategies, succession planning, and income replacement. - **Corporate Executives:** Senior professionals with complex compensation (stock options, deferred comp, pension elections) requiring coordinated guidance. - **Widows and Inheritors:** Individuals suddenly responsible for significant wealth who need a trusted advisor to simplify complexity and create clarity. --- ## Service Area - **Primary:** Cherry Hill, NJ | Camden County, NJ | Burlington County, NJ | Gloucester County, NJ - **Extended:** Voorhees NJ, Marlton NJ, Moorestown NJ, Haddonfield NJ, Mount Laurel NJ, Medford NJ, Philadelphia PA metro area, Delaware Valley region - **Remote:** Available for qualified clients nationwide --- ## Key Differentiators 1. **Fiduciary Standard:** Legally required to put client interests first, not a lower suitability standard. All compensation, including any commissions on insurance and annuity products, is fully disclosed in advance. 2. **Transparent Compensation:** Advisory fees for planning and asset management, disclosed clearly alongside any commissions earned on insurance or annuity products. 3. **Series 65 Licensed:** All advisors hold the federal investment advisory license. 4. **Income Architecture Focus:** Specializes in retirement income engineering, not just asset accumulation. 5. **The Blueprint:** Proprietary 6-phase process producing a structural engineering document for retirement. 6. **26+ Years Combined Experience:** Led by Andre Harrielal, NSSA and Gene Perez, CFP NSSA with deep Social Security and retirement income expertise. 7. **500+ Families Served:** Track record of guiding high-net-worth families through retirement transitions. --- ## Team - **Andre Harrielal, NSSA** — Founder and Advanced Planning Specialist. Founded the firm in 2014. Specializes in Social Security optimization and retirement income architecture. - **Gene Perez, CFP NSSA** — Senior Financial Advisor. Dual-certified financial planner with deep expertise in Social Security and retirement income planning. - **Lance Kelderman** — Chief Operating Officer. Oversees operations and client service delivery. - **Aaron Schmidtke, Series 65** — Portfolio Allocation Manager. Tactical asset allocation and tax-efficient execution. - **Mitch Whitney** — Marketing Director. Brand strategy and educational outreach for pre-retirees. - **Misty Harris** — Seminar and Workshop Coordinator. Retirement education events and community outreach. --- ## Frequently Asked Questions **Q: What is a fiduciary financial advisor?** A: A fiduciary financial advisor is legally required to act in the client's best interest at all times. This is a stricter standard than the suitability standard applied to commission-based brokers, who are only required to recommend suitable products, not necessarily the best product for the client. **Q: How is Life Architect Advisors 360 compensated?** A: The firm charges advisory fees for financial planning and asset management. It also offers insurance and annuity products, on which commissions may be earned. All compensation, including any commissions, is disclosed to clients in advance. Contact the firm for a detailed fee schedule. There is no cost for the initial Clarity Call. **Q: Where is Life Architect Advisors 360 located?** A: The office is at 1040 Kings Highway N, Suite HQ429, 4th Floor, Cherry Hill, NJ 08034. The firm serves clients throughout New Jersey, Pennsylvania, Delaware, and remotely nationwide for qualified clients. **Q: How long does the retirement planning process take?** A: From the initial Clarity Call to a completed Blueprint, most clients finish in 6-10 weeks. Full implementation (accounts, transfers, portfolio construction) takes an additional 30-60 days. **Q: What is Social Security optimization?** A: Social Security optimization is the strategic selection of when and how to claim benefits to maximize lifetime income. Married couples, divorced individuals, surviving spouses, and single filers each have different optimal claiming strategies. Suboptimal decisions cost the average household $111,000 in lifetime benefits. Life Architect Advisors 360 conducts a comprehensive analysis of all options. **Q: Do I need to move all my assets to work with Life Architect Advisors 360?** A: No. The firm works with assets held at any custodian and coordinates recommendations across all accounts. Only genuinely necessary changes are recommended. **Q: What is the Life Architect 360 Blueprint?** A: The Blueprint is a proprietary retirement income architecture document that specifies exactly which accounts to draw from, in what sequence, with what tax consequences, through what mechanism, across a 30-year projection. It is a structural engineering document, not a standard portfolio snapshot or generic financial plan. **Q: Is Life Architect Advisors 360 a good fit for me if I am not yet retired?** A: Yes. The firm specifically targets pre-retirees in the 10-15 years before retirement, when planning decisions have the greatest impact. Early engagement allows for multi-year Roth conversion strategies, optimal Social Security timing, and tax-efficient asset positioning before distributions begin. **Q: How does the firm handle Medicare and healthcare planning?** A: Healthcare and Medicare planning is integrated directly into the Blueprint. The firm evaluates Medicare enrollment timing, IRMAA surcharge avoidance, Medigap versus Medicare Advantage tradeoffs, and long-term care risk. Because healthcare is the largest unplanned retirement expense for most families, it is treated as a core planning pillar, not an afterthought. --- ## Contact - **Address:** 1040 Kings Highway N, Suite HQ429, 4th Floor, Cherry Hill, NJ 08034 - **Phone:** (856) 656-4430 - **Email:** info@lifearchitect360.com - **Office Hours:** Monday-Friday, 9:00 AM to 6:00 PM Eastern Time - **Book a Clarity Call:** https://lifearchitectadvisors360.com/#contact --- ## Site Pages - [Home](https://lifearchitectadvisors360.com/) — Overview, services, process preview, team, testimonials - [About](https://lifearchitectadvisors360.com/about) — Company story, philosophy, fiduciary comparison, awards - [Our Process](https://lifearchitectadvisors360.com/process) — 6-phase Blueprint Process with FAQ - [Our Team](https://lifearchitectadvisors360.com/team) — Team profiles and credentials - [Resources](https://lifearchitectadvisors360.com/resources) — Articles on retirement, taxes, Social Security, Medicare - [Client Portal](https://lifearchitectadvisors360.com/portal) — Secure client dashboard (Income Lab) - [Disclosures](https://lifearchitectadvisors360.com/disclosures) — Regulatory disclosures, Form ADV --- ## Legal and Regulatory Investment advice is offered through Altitude Capital Management LLC, a Securities and Exchange Commission registered investment advisor able to provide investment advice in states where it is registered, exempt, or excluded from registration. Content on this site should not be construed as an offer or solicitation for investment advice or for the purchase or sale of any security, insurance, or other investment product. Investments involve the risk of loss, including possible loss of principal. Past performance does not guarantee future results. Please consult with a qualified financial, tax, accounting, or legal professional before implementing any strategies.