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.
Schedule a Complimentary ConsultationMost of our clients come to us because they have already thought carefully about how they live and give, and they want an advisor who brings that same care to how they invest. They're not looking for a financial advisor who happens to be a Christian. They're 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
Faith-Driven 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: retirement, investments, insurance, taxes, and estate planning, all through the lens of biblical stewardship.
Learn more about Comprehensive Financial PlanningBiblically 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 about Biblically Responsible InvestingFaith-Driven Financial Planning for Individuals and Families
Faith-based 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 about Faith-Driven Financial Planning for Individuals and FamiliesFinancial 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 about Financial Planning for Christian Business OwnersFinancial 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 about Financial Guidance for Churches and MinistriesEstate and Legacy Planning
Wills, trusts, powers of attorney, and healthcare directives, coordinated with your broader financial plan through a trusted estate-planning partner.
Learn more about Estate and Legacy PlanningChristian Retirement Planning
Income that lasts, decisions timed well, and a retirement plan that fits what you believe about the season ahead.
Learn more about Christian Retirement PlanningRamsey SmartVestor Pro
Stars & Sand Financial is a Ramsey SmartVestor Pro advisor in Argyle, TX and Vacaville, CA, meeting Dave Ramsey's standards for financial advisors and serving clients referred through the SmartVestor program.
See SmartVestor Pro details belowWhat Makes Faith-Based Financial Planning Different?
Most financial advisors treat planning as a purely technical exercise: optimizing returns, minimizing taxes, projecting timelines. Those things matter. For Christians, though, they aren't the whole picture.
Biblical stewardship starts from a different premise: the resources you hold aren't ultimately yours. You're a manager, not an owner. That reframes how you think about earning, spending, saving, giving, and investing. It changes which questions you ask and which tradeoffs you're willing to make.
A faith-based financial plan builds those convictions into every part 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. It asks not just whether you're saving enough, but whether you're holding wealth with an open hand.
Who We Serve
We serve Christians who want their financial life and their faith in the same conversation: 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're not sure whether we're the right fit, the most useful thing to do is have a conversation. There's no obligation in the initial meeting. We'll 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 by SmartVestor principles, including putting the client's interests first and providing straightforward, commission-transparent guidance.
Stars & Sand Financial is a SmartVestor Pro advisor. What sets our practice apart is the integration of biblical stewardship and Biblically Responsible Investing into the financial planning process. Not every SmartVestor Pro advisor does this, and it's 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 about SmartVestor Pro: Vacaville, CASmartVestor Pro: Argyle, TX
Serving the greater Argyle, Denton, Flower Mound, and North Texas areas.
Learn more about SmartVestor Pro: Argyle, TXNew to SmartVestor Pro? Read our full guide to what it means and what to look for in an advisor.
Ready to Talk About Your Financial Plan?
The first conversation is straightforward. We'll ask about your situation, your goals, and what matters most to you. You'll get an honest picture of where things stand, with no obligation and no pressure.
Schedule a Complimentary ConsultationOr reach us at info@starsandsandfinancial.com
Texas: (682) 708-0550 | California: (707) 471-5350