FAQ

70% of our clients are Christians.

Since we are a Christian financial advisory firm, most clients we attract identify as Christians. However, many people who do not identify as Christians share our values.

We respectfully serve everyone with the highest competence and professional ethics. 

We are a Christian financial planning firm that goes above and beyond to serve as your CFO. Our services include financial planning, investment management, tax preparation, and estate planning.

Click here to Learn more about our offer 

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.

Click here to review the Altruist fee schedule 

We do not offer proprietary mutual funds. We invest our client assets in mutual funds and ETFs managed by the largest 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 ETFs and mutual funds based on their risk profiles and financial plans.

We do not invest client funds in individual stocks, individual bonds, or other instruments.

Exceptions may include holding appreciated individual stock in the portfolio and divesting over time to avoid large tax bills.

No. We do not receive third-party compensation, commissions, or incentives. 

Our views of the market are two-fold.

In the long term, financial markets are resilient and reward discipline. In the short term, there are clouds and turbulence.

For clients who need cash in the short term, we take steps to reduce volatility. For the majority of client positions, we recommend well-diversified portfolios with a long-term perspective. 

Clients who are kind, responsive, willing to delegate, and trust that we always act in their best interest.

We typically don’t work with clients who prefer to manage investments on their own, look for high-risk investment strategies, or don’t do their part to make the relationship fruitful.

We are a fee-only advisory firm, which means we are only paid directly by the client, through deducting their investment accounts or checking accounts.

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: investing assets in high-quality, low-cost, diversified funds, designing your retirement vision, implementing income strategies, comprehensive planning, and behavioral coaching.

We have a signed agreement with another Registered Investment Advisor to ensure the orderly transfer of client accounts in the event of death and permanent disability of our principal.

Our portfolio minimum for wealth management clients is $1.5 million. We also offer financial planning services for a flat fee starting at $15,000 annually. Learn more on our Fees page.