We’re leading retirement in an exciting new direction!

You wouldn’t build your house without an architect, so why build your retirement on your own? The ATArchitect from American Trust provides you the professional foundation you need to confidently build your best retirement. Our experts will help you understand where you stand today, draw a plan to help you reach your goals, analyze your progress, and take your investments to the next level.

Your future becomes reality; your funds keep pace

The ATArchitect adjusts your allocation between the five ATDynamic allocation funds based on your personal characteristics, ATBlueprint® calculations, and current market conditions. These funds are powered by sophisticated strategies to capture real-time value for participants. Our experts take time to understand your unique goals, place you into one of the funds based on your needs, and then carry the load. The ATArchitect assesses your account each week and will automatically reallocate your investments to the most appropriate fund, if an adjustment is necessary.

Enjoy the freedom to live without worry

The ATArchitect is a sustainable retirement strategy that automatically and systematically understands your needs, tracks your progress, and (re)allocates your funds to your best path. It reports changes to you electronically and through your annual ATBlueprint®. From young investor to peak earner to distribution retiree, the ATArchitect keeps your retirement house in order.

Highlights of the ATArchitect

  • Aims to minimize downside risk
  • Makes automatic allocations shifts when needed
  • Includes Social Security estimates and state residency in personal assessments
  • Understands the appropriate level of risk to navigate participants to retirement
  • Monitors personal characteristics, ATBlueprint® calculations, and market indicators
  • Separates existing balances from new contributions and can invest differently

ATArchitect is only available with the ATDynamic allocation funds managed by American Trust. If you have any questions, contact us at 800.548.2994.


ATArchitect is an optional service and I will be charged for this service (please refer to your annual fee disclosure or contact us for more information).

American Trust, through the operation of its proprietary ATArchitect service, may change investment elections and transfer my balance between funds at any time. My entire account balance and future investment elections are subject to the strategies of the ATArchitect service. The ATArchitect program relies partly on the ATBlueprint®, which does not consider my unique personal characteristics or financial information, unless this information is provided to American Trust. Note: the ATBlueprint® component of ATArchitect will not apply to new enrollees until sufficient data is available or to terminated participants. Actions by the ATArchitect program rely on the accuracy of the information provided to American Trust. Inaccurate information could materially impact quality of investment returns and/or delay investment election changes. Neither American Trust nor ATArchitect will protect from the loss of principal in this account. This account is not FDIC insured. Neither American Trust nor ATArchitect can guarantee that my needs will be met at my retirement. Termination of this service does not reverse actions taken in the past by ATArchitect. Changes in future investment elections and transfers of existing balances on the participant website will not terminate this service. To terminate ATArchitect, I must do so in writing to: American Trust at 895 Main Street, Dubuque, IA 52001. I have read and understand the additional disclosures relating to the ATArchitect service and my account available at For more information, please contact your American Trust representative at 800.548.2994.

No bank guarantee - Not FDIC insured - May lose value.