Protect Your Family and Your Assets With Peace of Mind
Dedicated to helping you find the perfect solutions to secure the financial future you want and deserve!
Protect Your Family and Your Assets With Peace of Mind
Dedicated to helping find the perfect strategy to secure the financial future you deserve!
Let Us Guide You to the Financial Future of Your Dreams
Through Our Proprietary 3-Step Process
Plan
Unlock success with personalized financial plans. Navigate your goals confidently, enjoying the benefits of security, clarity, and a roadmap to financial prosperity.
Profit
Profit with our wealth-building strategies designed with your needs (and wants) in mind. Experience growth, diversification, and financial security, ensuring you reap the rewards of your hard work.
Peace of Mind
Achieve financial tranquility through our support and solutions. Enjoy the benefits of asset protection, stable income, and holistic planning for a worry-free and fulfilling future.
The Financial Future of Your Dreams is Only 3 Steps Away
Plan
Unlock success with personalized financial plans. Navigate your goals confidently, enjoying the benefits of security, clarity, and a roadmap to financial prosperity.
Profit
Profit with our wealth-building strategies. Experience growth, diversification, and financial security, ensuring you reap the rewards of your hard work.
Peace of Mind
Achieve financial tranquility through our solutions. Enjoy the benefits of asset protection, stable income, and holistic planning for a worry-free and fulfilling future.
Our Services
At The Financial Architects we offer a range of comprehensive financial services to meet your specific needs and give you the peace of mind you deserve. Our commitment to excellence and dedication to our clients sets us apart in the insurance industry.
Retirement Planning
Secure your golden years with strategic retirement planning. Our customized solutions empower you to visualize and achieve the retirement you've always dreamed of. From personalized investment strategies to pension considerations, we guide you through every step of the planning process.
Plan wisely today to enjoy a future free of financial worries. Explore our retirement planning services and embark on a journey toward a comfortable and fulfilling retirement.
Asset Protection
Safeguarding your financial legacy is crucial. Our solutions, from Living Trusts to Life Insurance, go beyond providing financial security for your loved ones; they are a cornerstone of comprehensive asset protection.
Ensure your hard-earned assets are shielded from the courts when you are gone and from unexpected uncertainties by allowing you to pass on a lasting legacy with peace of mind. Explore Living Trusts and a range of life insurance options to strengthen your financial future and protect what matters most to you.
Income Protection
Guard your income against life's uncertainties with our comprehensive income protection solutions. Life is unpredictable, and protecting your ability to earn is paramount. Our tailored plans provide a financial safety net in case of illness, injury, or unforeseen circumstances, ensuring your income stream remains resilient.
Explore our income protection options to secure your financial stability and maintain peace of mind, knowing that you and your loved ones are shielded from unexpected financial setbacks.
Next-Gen Planning
Invest in your child's future with our Next-Gen™ Planning program. Whether it's navigating the path to higher education or protecting your child's future entrepreneurial journey, we'll empower you to create a financial foundation for your child's educational journey.
Explore our Next-Gen™ Planning services and pave the way for their academic success, ensuring that their dreams become a reality without compromising your financial well-being.
Over 40 Preferred Partners with Solutions for Every Need
Our Expert Team
The Financial Architects are qualified financial professionals who are passionate about helping individuals and families achieve their long-term financial goals.
Your Dedicated Agents
Miguel & Zahira Pivaral
CA Lic #0L98698 & 4359473
We have been married for over 26 years and are proud parents of two wonderful young adults. Our experience during the 2008 recession, including the loss of homes, 401k investments, foreclosure, and near-homelessness, profoundly shaped us, instilling a deep sense of compassion.
Lacking early guidance on prudent financial decisions, we set out to educate ourselves in finance and real estate, driven to help others avoid similar hardships. Our mission is to empower and assist you with compassion and professionalism, ensuring you are financially prepared for life's challenges.
We are dedicated to helping you strategize for retirement, plan for future generations, protect your business, assets, income and real estate. Our goal is to serve you with expertise, compassion and commitment.
Frequently Asked Questions
Why do I need life insurance?
Term life insurance provides coverage for a specified term, typically 10, 20, or 30 years. It offers a death benefit to your beneficiaries if you pass away during the term, but it doesn't accumulate cash value. Whole life insurance, on the other hand, provides lifelong coverage and includes a savings component that builds cash value over time. While term insurance is usually more affordable, whole life insurance can serve as both protection and a long-term investment.
What types of life insurance are available?
Explore our range, including term life for temporary needs, whole life for lifelong coverage with cash value, and universal life for flexibility with premiums and benefits.
How much coverage do I need?
Tailor your coverage to your needs – debts, living expenses, education costs. Our tools assist in finding the right amount, offering peace of mind for the future.
Can I adjust my coverage over time?
Absolutely. Our policies allow you to review and adjust coverage as your financial situation evolves, ensuring it aligns with your changing needs.
Are there age restrictions for life insurance?
Coverage is available for all age groups. While premiums may vary based on age and health, it's never too late to secure financial protection for your loved ones.
How do I choose beneficiaries?
Designate beneficiaries when purchasing the policy. Regularly review and update them as life circumstances change, guaranteeing your wishes are honored.
What if I have pre-existing health conditions?
We offer policies catering to diverse health situations. Your premium may reflect your health, but we prioritize finding suitable coverage for your unique needs.
Can I cancel my life insurance policy?
While you can cancel, our advisors recommend careful consideration. We guide you through potential implications, ensuring informed decisions align with your financial goals.
How do beneficiaries claim the death benefit?
Claiming is straightforward. Beneficiaries contact us with required documentation, simplifying the process during challenging times for your loved ones.
Client Success Stories
Knowing that my family is financially protected gives me peace of mind. I highly recommend Zahira & Miguel for their professionalism and quality service.
JANE R.
Their customer support team has always been helpful in clarifying any questions I've had. Overall, I feel secure with Zahira & Miguel as my life insurance and financial strategist.
Alexandra B.
Get In Touch with Your Agent Today
Disclaimer: Insurance products and services are offered through DMB Soto Insurance Services Inc. (#0K37904) DBA TFA Insurance Services, DBA The Financial Architects, an affiliated company. Advisory services are offered through The Financial Architects Wealth Management LLC, a Registered Investment Advisor in the State of California.
The information, suggestions, and recommendations included in this material is for informational purposes only and cannot be relied upon for any financial, legal, tax, accounting, or insurance purposes. The Financial Architects will not be held responsible for any detrimental reliance you place on this information. It is agreed that use of this information shall be on an “as is” basis and entirely at your own risk. Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third party website you are leaving our site and assume total responsibility for your use or activity on the third party sites. Individuals and clients were not compensated for their reviews/testimonials.