A complete plan
Built on biblical wisdom.
A complete, seven-step planning process guided by CERTIFIED FINANCIAL PLANNER™ and Certified Kingdom Advisor® standards, built to align every dollar God has entrusted to you with the calling He has placed on your life.
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Comprehensive Financial Planning Rooted in Biblical Wisdom
A complete, seven-step financial planning process guided by a CERTIFIED FINANCIAL PLANNER™ professional who understands your Christian values. Your wealth should honor God and support your calling.
- CFP®
- Certified Planner
- CKA®
- Kingdom Advisor
- Fiduciary
- Your Interest, Always
- BRI
- Biblically Aligned
Without a faith-based financial plan, many Christians feel …
- Uncertain whether their investments reflect their values
- Overwhelmed by financial jargon and conflicting advice
- Unsure if they're making the most of what God has entrusted to them
- Reactive instead of intentional with their wealth
- Money and faith feel like two separate worlds
Most financial advisors don't understand your faith.
Mainstream financial planning treats your portfolio as a numbers problem. But for Christians, money is a stewardship problem, one that requires wisdom that goes far beyond spreadsheets.
At Stars & Sand Financial, our planning is guided by the highest standards of financial planning practice and informed by Certified Kingdom Advisor® training, so every recommendation is grounded in both financial excellence and biblical wisdom. The result is a plan that doesn't just optimize your return, but aligns your entire financial life with what matters most to you.
“Be very careful, then, how you live, not as unwise but as wise, making the most of every opportunity.” · Ephesians 5:15–16
With Stars & Sand Financial, you will …
- Be clear on where you stand and where you're going
- Feel confident your investments reflect your values
- Have a plan that honors God and supports your calling
- Be intentional with every dollar God has entrusted to you
- Experience the peace that comes from faithful stewardship
“Trust in the Lord with all your heart, and do not lean on your own understanding. In all your ways acknowledge him, and he will make straight your paths.” · Proverbs 3:5–6
Our Seven-Step Financial Planning Process
“The plans of the diligent lead surely to abundance.”
Proverbs 21:5
Every client relationship follows a complete, proven seven-step planning process, woven into our Discover · Plan · Journey approach to biblical stewardship. The result is a plan that honors God, supports your goals, and reflects what matters most to you.
- 1Discover· Steps 1 & 2
- 2Plan· Steps 3, 4 & 5
- 3Journey· Steps 6 & 7 · Ongoing
We Listen to Your Story
Every great plan begins with deep understanding. We take the time to learn who you are: your vision, your calling, your responsibilities, and the values that shape how you see money. We also gather your complete financial picture. No two clients are alike, and your journey begins with being truly heard.
“Know well the condition of your flocks, and give attention to your herds.” · Proverbs 27:23
We Clarify & Prioritize Your Goals
Together we identify and rank your most important financial goals: retirement, education, generosity, debt freedom, legacy. We filter every one through your values, so your plan reflects what you believe God is calling you toward in this season.
“Commit your work to the Lord, and your plans will be established.” · Proverbs 16:3
We Evaluate Where You Stand & What's Possible
We take an honest look at your investments, insurance, tax strategy, and estate plan, identifying what's working, what's missing, and what may be funding things that conflict with your values. Then we explore what becomes possible once your finances are fully aligned with your faith.
“Without counsel plans fail, but with many advisers they succeed.” · Proverbs 15:22
We Build Your Tailored Financial Plan
Drawing on thorough analysis and deep experience, we develop specific, prioritized recommendations across investments, risk management, tax strategy, retirement planning, and charitable giving, every one grounded in biblical stewardship.
“The plans of the diligent lead surely to abundance.” · Proverbs 21:5
We Present Your Plan with Clarity & Confidence
We walk you through every recommendation in plain language (no jargon, no pressure) so you leave with genuine clarity and the confidence to make decisions that honor God and serve your family well.
“Where there is no guidance a people falls, but in abundance of counselors there is safety.” · Proverbs 11:14
We Put Your Plan into Action
A plan on paper only has value when it becomes a lived reality. We coordinate every step of implementation: opening and transitioning accounts, reallocating investments to biblically aligned options, updating beneficiaries, and connecting you with trusted attorneys and CPAs.
“Whatever you do, work heartily, as for the Lord and not for men.” · Colossians 3:23
We Stay With You Through Every Season
Life changes, and your plan must change with it. We conduct regular reviews to track your progress, respond to market shifts, and recalibrate your strategy through every season: marriage, children, career transitions, inheritance, retirement.
“Trust in the Lord with all your heart and he will make straight your paths.” · Proverbs 3:5-6
Investment Advisory Services offered by Inspire Advisors LLC, a Registered Investment Adviser with the SEC. The information on this page is for general educational purposes and does not constitute personalized financial, tax, or legal advice. Past performance does not guarantee future results. Please consult with a qualified professional regarding your specific situation.
Your Complete Financial Stewardship Picture
We don't just manage investments. We walk alongside you through every dimension of your financial life, guided by wisdom, shaped by faith, executed with professional excellence.
Getting Organized
Establishing your foundation. Ideal for those just beginning their stewardship journey or bringing clarity to a scattered financial picture.
Cash Flow & Budgeting
- Cash flow review and analysis
- Budget creation and savings strategy
- Debt review and payoff prioritization
- Emergency fund planning
- Spending plan and lifestyle alignment
Insurance & Risk
- Life insurance needs analysis
- Disability income insurance review
- Health insurance coverage assessment
- Property and liability coverage review
- Identity theft and umbrella policy review
Retirement Basics
- Employer retirement plan enrollment guidance
- 401(k) / 403(b) allocation proposals
- IRA contribution strategy
- Retirement savings rate analysis
- Retirement goal timeline projection
Tax Fundamentals
- Tax withholding review and W-4 guidance
- Estimated tax payment strategy
- Tax-advantaged account optimization
- HSA / FSA planning
Estate & Family
- Beneficiary designation review
- Basic estate document assessment (will, POA, healthcare directive)
- Account titling and ownership review
- Children's education planning
- 529 plan and education savings strategy
- Home purchase planning and mortgage guidance
- Charitable giving tips and tithing strategy
Building Wealth
Growing intentionally. For those in their peak earning years managing complexity, equity, and greater financial decisions with purpose.
Investment Strategy
- Biblically Responsible Investing (BRI) portfolio construction
- Asset allocation and diversification strategy
- Taxable brokerage account management
- Tax-loss harvesting opportunities
- Portfolio rebalancing and drift management
- Faith-based values screening and review
Advanced Tax Planning
- Backdoor Roth IRA strategy
- Roth 401(k) vs. traditional contribution analysis
- Capital gain planning and timing strategy
- Roth conversion planning and analysis
- Multi-year tax bracket management
- Self-employed retirement plan selection (SEP, Solo 401k, SIMPLE)
- Qualified business income (QBI) deduction planning
Equity & Compensation
- ESPP (Employee Stock Purchase Plan) strategy
- RSU (Restricted Stock Unit) vesting and tax planning
- NQO (Non-Qualified Stock Option) planning
- ISO (Incentive Stock Option) and AMT planning
- Concentrated stock position strategy
- Deferred compensation planning
Real Estate & Major Decisions
- Property sale planning and tax impact
- Home purchase and mortgage strategy
- Rental property financial analysis
- Major purchase and financing decisions
- Business ownership planning
Generosity & Giving
- Charitable giving strategy and structuring
- Donor-advised fund (DAF) planning
- Gifting appreciated securities to charity
- Tithing and Kingdom-first financial planning
- Children's education and launching strategies
Preserving Legacy
Protecting and passing on what God has built through you. For those approaching or in retirement, focused on income, longevity, and lasting impact.
Retirement Income Planning
- Retirement income strategy and distribution planning
- Social Security claiming strategy and optimization
- Pension election analysis (lump sum vs. annuity)
- Required Minimum Distribution (RMD) planning
- Withdrawal sequence and account depletion strategy
- Longevity risk and portfolio sustainability analysis
- Medicare enrollment planning and coverage options
Advanced Tax & Roth Strategy
- Roth conversion ladder planning
- Capital gain and bracket management in retirement
- IRMAA (Medicare surcharge) avoidance planning
- Net Unrealized Appreciation (NUA) strategy
- Qualified Charitable Distribution (QCD) strategy
Estate & Legacy Planning
- Comprehensive estate plan coordination
- Trust planning and coordination with estate attorney
- Inheritance planning and wealth transfer strategy
- Inherited IRA planning and distribution rules
- Step-up in cost basis planning
- Irrevocable life insurance trust (ILIT) coordination
- Family gifting strategy and annual exclusion planning
Long-Term Care & Protection
- Long-term care insurance needs analysis
- Hybrid LTC / life insurance policy review
- Annuity analysis and suitability review
- Elder care financial planning
Kingdom Legacy
- Charitable remainder trust (CRT) planning
- Donor-advised fund legacy giving strategy
- Ministry and mission giving coordination
- Values-based legacy letter and family stewardship planning
Ready to Honor God with Your Wealth?
Your Discovery Meeting is complimentary, pressure-free, and the first step toward a financial plan that aligns your faith and your finances. We listen to your story, understand your goals, and show you what faithful stewardship can look like for your family.
“Honor the Lord with your wealth and with the firstfruits of all your produce, then your barns will be filled with plenty.” · Proverbs 3:9–10
Schedule Your Complimentary Discovery Meetingor call us in Argyle, TX at (682) 708-0550 or Vacaville, CA at (707) 471-5350
No obligation · No sales pressure · Serving Christians nationwide via Zoom