FAQ

At its core, faith-based investing is about stewardship. Scripture calls believers to manage resources wisely, using them in ways that reflect God’s principles of integrity, justice, and compassion. This means investing in businesses that produce good goods and services—those that contribute positively to society—while avoiding companies involved in harmful products or unethical practices. Faith-based investors seek to ensure that their financial decisions reflect their values, supporting enterprises that demonstrate responsibility, fairness, and care for their stakeholders

Learn more about our approach to faith-based investing.

Being a Christian is not a requirement to work with us—but sharing our values of wise stewardship and purposeful planning will ensure that we can serve you well.

While 70% of our clients are Christians, we welcome individuals of all faiths and backgrounds who share our commitment to Biblical stewardship and ethical financial planning.

As a Christian financial advisory firm, we approach each relationship with integrity and respect, guided by the principles of Scripture. Whether you identify as Christian or not, we are dedicated to working in your best interest, with professionalism, competence, and faith at the foundation of all we do.

Learn more about our Ideal Client.

Choosing a financial advisor isn’t just about navigating the markets—it’s about collaborating to achieve goals that align with your values. Our role is to reduce complexity in your financial life, helping you make decisions that honor your faith and bring clarity. Don’t wait to be “ready” or “financially savvy” — just like you wouldn’t wait to become an expert chef to take cooking lessons, don’t wait to seek guidance in financial stewardship.

Learn more about what we do.

Yes, we are registered in the states of North Carolina and Pennsylvania.

We can serve clients in all states pursuant to regulatory exemptions and may pursue full registration in additional states if needed. 

No. We are an independent advisory firm. 

Our primary custodian is Altruist Financial, LLC. They serve 3,000+ advisory firms across the U.S. They keep your investments safe, and you grant us authorization to perform transactions, collect fees, and arrange money movement on your behalf.

As part of the onboarding process, we will create new accounts for you and transfer your investments to our management.

Please review the Altruist Fee Schedule.

We do not offer proprietary mutual funds. We invest our client assets in traditional and faith-based ETFs and mutual funds managed by some of largest and most respected asset managers in the world.

Separately managed accounts may be used in specific circumstances where it is in the best interest of the client to do so.

We invest our client portfolios in faith-based mutual funds based on their risk profiles and financial plans. We do not invest client funds in individual stocks, individual bonds, options or other risky instruments. Exceptions may include holding appreciated individual stock in the portfolio and divesting over time to avoid large tax bills.

No. As a fee-only financial advisory firm, we do not receive third-party compensation, commissions, or incentives. Our only compensation comes from our clients in the form of a percentage of assets under management or flat fees.

Learn more about our fees.

Our views of the market are two-fold, grounded in both wisdom and faith.

In the long term, we believe financial markets are resilient, reflecting the principle of sowing and reaping—discipline and patience yield rewards (Galatians 6:9). As Proverbs 21:5 says, “The plans of the diligent lead to profit as surely as haste leads to poverty.” We trust that, over time, well-considered investments grow as we steward our resources wisely.

In the short term, however, we recognize that there are clouds and turbulence, akin to the storms of life (Matthew 7:25). During these times, we take prudent steps to reduce volatility for clients needing cash in the near future, ensuring they are protected from unnecessary risk. For the majority of client positions, we recommend well-diversified portfolios with a long-term perspective, trusting that God’s timing is perfect and that enduring patience in the face of market fluctuations will ultimately bear fruit (James 5:7).

What Makes the Best Relationships:

• Demonstrating kindness and a spirit of cooperation
  
• Responsiveness when input or action is needed
  
• Willingness to trust us with day-to-day portfolio management
  
• Faith in our commitment to always act in your best interest
  

Learn more about our Ideal Client.

We Might Not Be a Good Fit If You:

• Prefer managing investments on your own
  
• Seek high-risk strategies like single stocks or options
  
• Are not committed to making the relationship a fruitful partnership
  
• Want to have multiple financial advisors simultaneously 
  

Learn more about our Ideal Client.

We are a fee-only advisory firm, which means we are only paid directly by the client. Our services are provided through a percentage of assets under management or flat fees, ensuring that my interests are aligned with yours.

We do not receive any commissions or incentives from anyone else.

We can't control capital market returns.

We add value in everything we can control, all while honoring biblical principles in every decision. We invest your assets in high-quality, low-cost, diversified faith-based mutual funds, ensuring that your investments align with your values and reflect God’s will for wise stewardship (Proverbs 21:5). We help design your retirement vision, not just as a financial milestone, but as a way to continue fulfilling your purpose and serving God’s Kingdom in this next chapter (Matthew 6:19-21).

We implement income strategies that are both prudent and purposeful, ensuring that you have the resources to meet your needs while leaving a lasting impact. Our comprehensive planning process integrates all aspects of your financial life with a focus on your calling, family, and legacy. Additionally, we provide behavioral coaching, encouraging you to stay disciplined and focused on long-term goals, trusting in God’s timing, and not succumbing to the distractions of short-term market fluctuations (Proverbs 3:5-6).

Ultimately, we strive to ensure that every step you take financially is guided by wisdom, integrity, and a deep commitment to faith-based stewardship.

We have a signed agreement with another christian financial advisory firm to ensure the orderly transfer of client accounts in the event of death and permanent disability of our principal.

For new clients, we have set a minimum portfolio size of $1M for wealth management, and a minimum flat fee of $10,000/year fee for financial planning services to ensure that we can provide the high-touch, deeply personalized service our clients need. 

Managing significant wealth comes with increased complexity—investment strategies, tax planning, estate considerations, and multi-generational planning all require a tailored and proactive approach. By maintaining these minimums, we can dedicate the necessary time and expertise to each client, ensuring a responsive and strategic partnership that aligns with their goals and values.

We review each prospect opportunity on a case-by-case basis and may decide to waive our minimum for client referrals, family members, and specific circumstances where we believe we can add value for a reasonable compensation.

Learn more about our Fees.