Faith-Based Financial Planning and Christian Wealth Management Services
We offer comprehensive financial planning, Biblically Responsible Investing, and Christian stewardship guidance for individuals, families, small businesses, churches, and ministries.
Most of our clients come to us because they have been thinking carefully about how they live and give, and they want someone who takes that same care with how they invest. They are not looking for a financial advisor who happens to be a Christian. They are looking for a Christian financial advisor who understands that faith and finance belong in the same conversation.
Our team includes CFP, CKA, and APMA credentialed professionals serving clients in California, Texas, and virtually nationwide. The CKA - Certified Kingdom Advisor - is the recognized professional standard for Christian financial advice. Learn more about our team.
Christian Financial Planning Services
Every service we offer is built on the same foundation - biblical stewardship, genuine expertise, and a commitment to helping Christians align their financial lives with their faith.
Comprehensive Financial Planning
A complete picture of where you stand and a clear path forward - covering retirement, investments, insurance, taxes, and estate planning through the lens of biblical stewardship.
Learn more → Biblically Responsible InvestingBiblically Responsible Investing
Portfolio management that screens out companies profiting from abortion, pornography, and other activities that contradict Christian values - and intentionally invests in companies that reflect biblical principles.
Learn more → Individuals and FamiliesChristian Financial Planning for Individuals and Families
Faith-based financial guidance for Christians at every stage of life - from building wealth and planning for retirement to leaving a biblical legacy for the next generation.
Learn more → Small Business OwnersFinancial Planning for Christian Business Owners
Specialized guidance for Christian entrepreneurs and small business owners - integrating business finances, personal wealth, and biblical stewardship into one cohesive plan.
Learn more → Churches and MinistriesFinancial Guidance for Churches and Ministries
Faith-based financial planning for churches, nonprofits, and Christian ministries - helping organizations steward their resources well so they can focus on their mission.
Learn more → Ramsey SmartVestor ProRamsey SmartVestor Pro
Stars and Sand Financial is a Ramsey SmartVestor Pro advisor - meaning we meet Dave Ramsey's standards for financial advisors and serve clients referred through the SmartVestor program.
Learn more →What Makes Faith-Based Financial Planning Different?
Most financial advisors approach planning as a purely technical exercise - optimizing returns, minimizing taxes, projecting timelines. Those things matter. But for Christians, they are not the whole picture.
Biblical stewardship starts with a different premise. The resources you hold are not ultimately yours. You are a manager, not an owner. That changes how you think about earning, spending, saving, giving, and investing. It changes what questions you ask and what tradeoffs you are willing to make.
A faith-based financial plan integrates those convictions into every dimension of the planning conversation - not as an afterthought, but as the foundation. It asks not just whether your portfolio is performing, but whether it reflects what you actually believe. Not just whether you are saving enough, but whether you are holding wealth with an open hand. Not just whether your estate plan is legally sound, but whether it reflects a biblical vision for legacy and generosity.
Who We Serve
We serve Christians who want their financial life and their faith in the same conversation. That includes individuals and families planning for retirement and legacy, small business owners integrating personal and business finances, and churches and ministries stewarding organizational resources. We work with clients in California and Texas and virtually with Christians nationwide.
If you are not sure whether we are the right fit, the most useful thing to do is have a conversation. There is no obligation in the initial meeting. We will ask careful questions, listen, and give you an honest picture of where things stand. Reach out here or schedule directly below.
What Is a Ramsey SmartVestor Pro?
SmartVestor Pro is Dave Ramsey's financial advisor referral program. Advisors listed in the program meet Ramsey's standards for financial professionals and agree to operate according to SmartVestor principles - including putting the client's interests first and providing straightforward, commission-transparent guidance.
Stars and Sand Financial is a SmartVestor Pro advisor. If you found us through the Ramsey network, you are in the right place. If you are exploring what SmartVestor Pro means before deciding whether to work with us, that is a reasonable question and we are glad to answer it.
What sets our SmartVestor Pro practice apart is the integration of biblical stewardship and Biblically Responsible Investing into the financial planning process. Not every SmartVestor Pro advisor does this. We do - and it is the foundation of how we work with every client.
SmartVestor Pro - Vacaville, CA
Serving the greater Vacaville, Davis, Fairfield, and Sacramento areas of Northern California.
Learn more →SmartVestor Pro - Argyle, TX
Serving the greater Argyle, Denton, Flower Mound, and North Texas areas.
Learn more →For more on what SmartVestor Pro means and what to look for in a SmartVestor advisor, see our guide: What Is a Ramsey SmartVestor Pro?
Ready to Talk About Your Financial Plan?
The first conversation is straightforward. We will ask about your situation, your goals, and what matters most to you. You will get an honest picture of where things stand and what working together could look like. There is no obligation and no pressure.
Browse our faith-based financial planning guides if you want to learn more first. Or reach out directly and we will take it from there.
Schedule a Complimentary ConsultationOr reach us at info@starsandsandfinancial.com
Texas: (682) 708-0550 | California: (707) 471-5350