Expert guidance for your financial stewardship journey
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.
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
"Honor the Lord with your wealth and with the firstfruits of all your produce." · Proverbs 3:9
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, we hold the highest standard of financial planning expertise and we integrate it with Certified Kingdom Advisor® (CKA®) training so that every recommendation we make 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
The Discover · Plan · Journey Process
Our Seven-Step Financial Planning Process
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.
"The plans of the diligent lead surely to abundance." — Proverbs 21:5
The Discover · Plan · Journey Process
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.
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
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
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
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
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
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
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.
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 MeetingBegin Your Stewardship Journey
Ready to Honor God
with Your Wealth?
Your Discovery Meeting is free, 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
or call us at (707) 471-5350
No obligation · No sales pressure · Serving Christians nationwide via Zoom
Biblically responsible investing
Discover how your current portfolio is invested from a biblical-values perspective. Faith-based investing is not just looking at the financial aspect of a company, but also the moral aspect.
Inspire’s unique methodology
The Inspire Impact Score is a simple, numerical score that rates companies based on their alignment with biblical values and the degree to which they operate as blessings to their customers, communities, workforce, and the world.
Portfolio strategies that align your faith and financial goals
We leverage our affiliation with Inspire Investments to deliver high-quality portfolios, diversified across:
Asset class (stocks, bonds and cash)
Geography (US, developed international and emerging markets)
Economic sector (consumer staples, technology, industrials etc)
Market-cap (large, mid and small capitalization)
