A financial advisor who shares your faith.
Most advisors treat a 10% giving commitment as a budgeting quirk to optimize away. Stewardship-minded advisors plan around it. We match Christian families with fee-only fiduciaries who understand tithing, generosity planning, and values-aligned investing — no commissions, no product sales.
Questions faithful families bring us
- Should we tithe on gross or net — and can our budget actually sustain it?
- Is my 401(k) invested in companies I'd never knowingly support?
- We finished the Ramsey baby steps. What do we do next?
- How do we build generosity — a donor-advised fund, qualified charitable distributions — into our retirement plan?
- What is a Certified Kingdom Advisor, and do we need one?
Start with the numbers
Tithing Calculator
See the math on gross and net, annually and monthly — both ways, no prescription. Traditions differ; arithmetic doesn't.
Giving-Capacity Calculator
Can your budget sustain a tithe alongside retirement savings? Enter income, expenses, and savings goals — see the maximum giving percentage your budget can actually support.
Biblical Stewardship Guide
A complete, practical guide to managing money as a steward: budgeting, debt, saving, investing, and generosity.
What Is a Certified Kingdom Advisor?
What the CKA® designation means, how it relates to the CFP®, and the questions that reveal real alignment.
Biblically Responsible Investing
What gets screened out, which fund families qualify (Timothy Plan, Eventide, GuideStone, Inspire), and what to do if your 401(k) has no BRI options.
Catholic Values Investing
How the USCCB Socially Responsible Investment Guidelines work — six criteria covering life, dignity, arms, economic justice, environment, and corporate responsibility — and which fund families apply them.
QCD Tax-Savings Calculator
After age 70½, give directly from your IRA and pay no income tax on the distribution. See how much your generosity actually costs after federal tax and Medicare savings.
After the Baby Steps: What Comes Next
Finished the Ramsey program? This guide covers how to invest the 15%, whether to pay off the mortgage early, how to give at scale, and why your 401(k) may not reflect your values.
Donor-Advised Fund Calculator
See how much more your church receives when you give appreciated stock to a DAF instead of cash — the capital gains tax that would go to the IRS goes to your ministry instead.
BRI Fund Fee Comparison
See the dollar cost of faith-aligned investing: compare expense ratios for Timothy Plan, Eventide, GuideStone, and Inspire funds against conventional index funds over your time horizon.
Tithe on Gross or Net? The Math Both Ways
Both positions have sincere defenders. This guide explains the reasoning behind each and shows the actual dollar difference for W-2 employees, self-employed households, and retirees.
Christian Retirement Planning
Tithing on Social Security, RMDs, and Roth withdrawals; the QCD strategy; BRI in retirement accounts; and leaving a faithful legacy. A complete guide for the later chapters.
How to Find a Christian Financial Advisor
What CKA means, why fee-only matters, 10 questions that reveal real alignment, red flags to avoid, and where to search.
Is Tithing Tax Deductible?
Yes — with conditions. New for 2026: OBBBA adds a non-itemizer deduction ($2,000 MFJ) for direct cash gifts to church, and a 0.5% AGI floor for itemizers. Bunching, appreciated-stock giving, QCDs, and DAFs explained.
Christian Estate Planning
Wills, trusts, IRA beneficiary strategy, charitable remainder trusts, and the $15M estate exemption — a practical guide to leaving a faithful legacy.
Pay Off Mortgage Early or Invest?
Model both scenarios to your original payoff date. At your mortgage rate, does the guaranteed debt paydown beat the investment portfolio — or does compounding win? The answer surprises many families.
Clergy & Pastor Financial Planning
Housing allowance (IRC § 107), self-employment tax on full ministerial income, GuideStone and denominational 403(b) plans, the 15-year catch-up rule, and the Social Security opt-out decision — a complete guide for ministers and bivocational clergy.
Managing Money as a Christian Couple
How to align on a giving commitment, handle disagreements about tithing, invest with shared values, and protect each other through estate planning — a practical stewardship guide for marriage and money.
What Is Christian Financial Planning?
How faith-aligned planning differs structurally from conventional planning: why generosity is a first-class goal, what the six planning areas cover, and what to expect from the process.
SmartVestor vs. Fee-Only Fiduciary
SmartVestor Pros pay Ramsey to receive leads and aren't required to be fee-only or fiduciary. Here's what the structural differences mean for faith-driven families evaluating advisors after the baby steps.
Give Appreciated Stock to Your Church
When you give stock with embedded gains directly to your church instead of selling first, the capital gains tax that would go to the IRS goes to your ministry instead — often 15–25% more at zero extra cost to you.
Healthcare Sharing Ministries
Medi-Share, Samaritan, CHM, and Liberty HealthShare explained — the tax gotchas most members miss: why HSM members can't contribute to an HSA, why monthly shares aren't deductible, and how to model the real after-tax cost.
Should I Tithe While Paying Off Debt?
The firstfruits principle says give first. Baby Step 2 says throw everything at debt. This guide covers Dave Ramsey's position, the biblical case, and what tithing actually costs your payoff timeline — with the math.
Tithing on Investment Income
Do you tithe on dividends, capital gains, IRA distributions, or inherited money? The core principle — new income vs. return of principal — applied to each category, with worked examples and the QCD advantage for retirees.
Find a Faith-Based Financial Advisor
What separates a genuinely faith-integrated advisor from one who simply markets to Christians — the three signals to look for and how our matching process works.
Is Investing Biblical?
What the Parable of the Talents, Proverbs, and Ecclesiastes actually say about growing wealth — and how to distinguish faithful stewardship from hoarding or greed.
529 Plans for Christian Families
New for 2026: the OBBBA doubled the K-12 529 limit to $20,000 and expanded qualifying expenses to cover homeschool curriculum, tutoring, and test fees. Plus: the 529-to-Roth rollover, superfunding, and how to balance college savings with your giving commitment.
Talk to a faith-aligned advisor
Use the form if you want planning that treats generosity as a goal, not a leak — free, no obligation.
Why a faith-aligned advisor
Any competent planner can build a retirement projection. Fewer can plan a household where giving is a first-class commitment, where the portfolio should reflect convictions (biblically responsible investing, or values screens like the USCCB guidelines for Catholic investors), and where the goal is faithfulness with what you have — not just maximizing what you keep.
The advisors we match are fee-only fiduciaries: paid by you, not by commissions, and legally bound to act in your interest. Many hold the Certified Kingdom Advisor® designation alongside credentials like the CFP®.
How it works
- Tell us about your household. Your situation, your goals, and — if you wish — your tradition, so the match fits.
- We match you. A vetted, fee-only advisor who serves Christian families follows up within one business day.
- You decide. A first conversation is free. No obligation, and we never sell your information.
Get matched with an advisor
Free, confidential, no obligation. Tell us a little about your situation and we'll connect you with a fee-only advisor who fits.