We built this firm on conviction.
Faith-led planning. Biblically responsible investing.
Matt Daugavietis and Matt Beaver founded Stars & Sand Financial to serve Christian families who want their wealth to reflect what they actually believe. With deep industry experience and a shared commitment to biblical stewardship, we help families plan, invest, and give with confidence.
Read our storyBiblically-aligned isn't a service we offer.
It's the reason we exist.
We met at Fuller Seminary in 2002, both training for ministry, both later called into financial planning. Years into our careers, we kept arriving at the same conviction: we were helping clients build wealth through a system that often funded the very things our faith stood against. Profits from companies opposing biblical values. Donations to causes our clients would never write a check to themselves. We were stewarding wealth through a pipeline neither of us could defend.
There are many financial advisors who happen to be Christians. Most of them invest client money in the broad market without a second thought about what those dollars are funding. We are something different. We are Christians who are financial advisors, and that order matters. Faith is not a feature we added to our planning process. It is the foundation we build everything else on.
We named the firm after Genesis 22:17, the covenant God made with Abraham promising descendants as numerous as the stars in the sky and the sand on the seashore. Abraham had to step out in faith long before he could see how the promise would be kept. He had to trust that God was still good, still faithful, and still able. That same faithfulness is what we want our clients to experience in their financial lives. Abundance, stewarded well, in service of something larger than a portfolio.
Stars & Sand Financial exists to give Christian families a professional firm that operates at the highest standard of excellence while investing in line with their biblical convictions. To honor God with what they own, what they fund, and what they profit from.
I will surely bless you and make your descendants as numerous as the stars in the sky and as the sand on the seashore.
What you can expect from us.
Plainly stated. Held to in practice.
A financial relationship is built on trust, and trust is built on knowing what to expect. These are the standards we hold ourselves to with every client, every plan, every recommendation.
We will act as a fiduciary.
We are legally and personally committed to acting in your best interest. Not the firm's. Not a product provider's. Yours. This is not a marketing claim, it is the regulatory standard we operate under, and we welcome the accountability that comes with it.
We will be transparent about how we are paid.
You will know what you pay us, how often, and why. We will explain our fees in writing before you engage us, and we will not be compensated by third parties in ways that create undisclosed conflicts. If a conflict exists, you will hear about it from us first.
We will screen investments against biblical values.
Every portfolio we build is filtered through biblically responsible investing standards developed by Inspire Advisors. We will tell you what those screens cover, what they exclude, and why. You will know what your money is funding before it is invested.
We will give you advice that reflects your convictions.
Your faith is not a footnote in your plan. It is the foundation we build it on. Whether the conversation is about investing, giving, debt, legacy, or lifestyle, we will help you make decisions that align with what you believe, not just what optimizes for return.
We will tell you the truth.
Even when it is uncomfortable. If a strategy you are considering does not serve you well, we will say so. If we do not know the answer to a question, we will tell you that too. Honest counsel is the only kind worth paying for.
We will plan for generosity, not just accumulation.
A complete financial plan should make a family more generous over time, not less. We will help you build giving into your plan as a core priority, including tithing, donor-advised funds, and legacy gifts to the church and ministries you love.
We will keep showing up.
A financial plan is not a document, it is a relationship. We will meet with you on a consistent cadence, communicate clearly between meetings, and walk alongside you through every season of your financial life.
The advisors behind the firm.
Two partners. Decades of experience. One conviction.
Matt Daugavietis
Wealth Advisor & Senior Partner
CFP® · CKA® · APMA®
Matt is a Wealth Advisor and Senior Partner at Stars & Sand Financial, where he focuses on comprehensive financial planning for Christian families pursuing intentional stewardship and legacy. A CERTIFIED FINANCIAL PLANNER® practitioner, Certified Kingdom Advisor®, Accredited Portfolio Management Advisor™, and Ramsey SmartVestor Pro, Matt brings over two decades of experience to the firm, including fifteen years as a Private Wealth Advisor with Ameriprise Financial in San Jose, California.
Matt earned a bachelor's degree in Business Administration from the University of California, Berkeley, Haas School of Business. He previously served as a college student campus missionary and led small-group biblical financial studies with Crown Financial Ministries.
Matt and his wife Jen live in Vacaville, California with their three children. They are faithful members of The Father's House church. An Eagle Scout with Troop 488, Matt now serves as Committee Chair with Trail Life Troop CA-5626. Outside work, he enjoys camping, mountain biking, gardening, golf, and being outside with the family dog, Chewie.
Matt Beaver
Wealth Advisor & Partner
MBA
Matt is a Wealth Advisor and Partner at Stars & Sand Financial, where he focuses on comprehensive financial planning for Christian families and anchors the firm's presence across North Texas. A Ramsey SmartVestor Pro, he brings over a decade of experience in the financial industry, including roles as a financial advisor with Edward Jones and as a branch manager with Ameriprise Financial. Prior to his work in financial services, Matt served as a college and careers pastor.
Matt earned his Master of Business Administration from Washington University in St. Louis and a bachelor's degree in Finance and International Business from Saint Louis University.
Matt and his wife Laura live in Argyle, Texas with their four children. They are active members of Tribes Church, where they lead a small group together. Matt also serves as Committee Chair for Trail Life Troop TX-2314 and is involved in F3 Northlake. He regularly meets one-on-one with other men over coffee, where the conversations almost always turn to faith and life.
The people who make every plan possible.
Fred Workman
Operations Specialist
CFP®
Fred is a CERTIFIED FINANCIAL PLANNER® professional with over twenty-five years of experience in the financial services industry, including roles as an advisor and director of portfolio strategies. He earned a bachelor's degree in Business Administration from California State University, Sacramento. Fred brings deep operational expertise to the firm, ensuring our clients are served with care and attention to detail.
Brett Talbot
Client Services
Brett came to Stars & Sand Financial with a personal conviction - he wanted his own finances aligned with his faith, investing in stocks and ETFs that reflect biblical values. That journey into Biblically Responsible Investing now drives his passion for helping clients find financial peace. A Bay Area native now living in the Sacramento area, Brett serves in kids ministry at The Father's House and enjoys bowling leagues and walks with his wife and their dog, Peaches.
The team behind every plan.
As an Inspire Advisors wealth management practice, we are supported by a deep bench of investment professionals and operations experts who bring decades of experience and a shared commitment to biblically responsible investing.
Investment Team
Tim Schwarzenberger, CFA
Portfolio Manager · Dir. of Corporate Engagement
Tim serves as Portfolio Manager for Inspire's ETFs and SMA strategies and leads the firm's corporate engagement efforts. Over 20 years of industry experience, including Managing Director at Christian Brothers Investment Services.
Darrell Jayroe, CFP®, CKA®, CFA
Senior Portfolio Manager
Darrell serves as Senior Portfolio Manager for Inspire's ETFs and SMA strategies. Previously Vice President and Sr. Portfolio Manager at Bank of Oklahoma trust department for 12 years.
W. Andrew Stoner
VP · Portfolio Strategy & Research
Andrew oversees Trading and Insight Research, manages Tactical Risk Management and Core/Satellite strategies, and leads Inspire's Index Committee. Previously CIO and Lead Advisor at a Louisiana-based RIA.
Dr. Erik Davidson, CFA
Chief Economic Advisor
Dr. Davidson provides macro-economic insight from a biblical perspective. Previously CIO at Wells Fargo Private Bank leading an investment team of 400+ professionals managing over $200 billion in assets.
Home Office Service Team
Geoffrey Vodegel
Client Service Manager
Meredith Bales
Client Service Specialist
Beth Williams
Client Service Specialist
Austin Walker
Compliance Officer
Jessica Goodrich
Senior Compliance Specialist
Come have a conversation with us.
Wherever you are on the journey.
Every relationship at Stars & Sand Financial starts with a conversation. No pressure, no commitment. Just a chance to learn about your situation, share how we work, and see whether we are the right fit for each other.
Matt Daugavietis & Matt Beaver
Founders, Stars & Sand Financial