Faith-Based Financial Planning & Biblically Responsible Investing

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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CFP® Professional Standards CKA® Trained Fiduciary

An Inspire Advisors Wealth Management Practice

Older couple reviewing financial documents together at home with a Bible on the table

CFP® Standards· Fiduciary · Biblically-Based

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.

Schedule Your Discovery Meeting See Our Process

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

"Honor the Lord with your wealth and with the firstfruits of all your produce." · Proverbs 3:9

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

You Deserve Better

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 and stewardship 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 comprehensive plan that doesn't just optimize your return. It 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

— Discover · Plan · Journey —

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.

1 Discover · Steps 1 & 2
2 Plan · Steps 3, 4 & 5
3 Journey · Steps 6 & 7 · Ongoing

Begin Your Stewardship Journey

Seven-step CFP financial planning process - Stars and Sand Financial, Argyle Texas

— Discover · Plan · Journey —

Seven Steps to Align Your Faith & Finances

Every client relationship follows a complete, proven seven-step planning process integrated with biblical stewardship principles so that your wealth honors God, supports your goals, and reflects what matters most to you.

1

Discover · Step 1

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 gather your complete financial picture: income, expenses, assets, debts, insurance, and estate documents. 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

2

Discover · Step 2

We Clarify & Prioritize Your Goals

What does faithful stewardship look like for your family? 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 not just what you want financially, but what you believe God is calling you toward in this season of life.

"Commit your work to the Lord, and your plans will be established." · Proverbs 16:3

3

Plan · Step 3

We Evaluate Where You Stand & What's Possible

We take an honest look at your current financial situation: your investments, insurance, tax strategy, and estate plan. We identify what's working, what's missing, and what may be funding things that conflict with your values. Then we explore alternative paths so you can see clearly what becomes possible when your finances are fully aligned with your faith.

"Plans fail for lack of counsel, but with many advisers they succeed." · Proverbs 15:22

4

Plan · Step 4

We Build Your Tailored Financial Plan

This is where your customized plan takes shape. Drawing on thorough analysis and deep experience, we develop specific, prioritized recommendations across investments, risk management, tax strategy, retirement planning, and charitable giving. Every recommendation is built around your unique circumstances and grounded in biblical principles of faithful stewardship.

"The plans of the diligent lead surely to abundance." · Proverbs 21:5

5

Plan · Step 5

We Present Your Plan with Clarity & Confidence

We walk you through every recommendation in plain language. No jargon, no pressure. You'll understand exactly what we're suggesting, why we're suggesting it, and how each piece supports your goals and your values. Our aim is for you to 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

6

Journey · Step 6

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. We walk alongside you so that nothing falls through the cracks and every piece moves forward together.

"Whatever you do, work heartily, as for the Lord and not for men." · Colossians 3:23

7

Journey · Step 7 · Ongoing

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 as your circumstances evolve. Marriage, children, career transitions, inheritance, retirement. We are your partner through every season of life, providing ongoing wisdom, grace, and expertise so your plan stays on course and your stewardship stays faithful.

"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.

What We Cover

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.

Tier One

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

Tier Two

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

Tier Three

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

Not sure which tier fits your situation? Every client begins with a complimentary Discovery Meeting where we listen to your story and identify exactly where you are on your stewardship journey.

Schedule Your Free Discovery Meeting