What Is a Christian Financial Advisor?
A Christian financial advisor is a financial professional who pairs technical expertise in investment management, retirement planning, tax strategy, and estate planning with a biblical view of money. At Kingdom Wealth Advisers, that means treating your wealth as something God has entrusted to you and building a plan that helps you steward it well for your family, your church, and the causes you care about.
How a Christian Financial Advisor Is Different
Most advisors ask, "How much do you want to have?" A Christian financial advisor also asks, "What is this money for?" The Bible contains more than 2,000 verses about money and possessions, and those principles shape every recommendation we make.
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We put your interests ahead of our own, every time.
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Everything belongs to God (Psalm 24:1). Our job is to help you manage it faithfully.
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Giving strategies like donor-advised funds and qualified charitable distributions are part of the plan, not an afterthought.
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Portfolio options that avoid companies whose practices conflict with your faith.
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Passing on wisdom and values, not just assets.
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We don't claim to predict markets. We plan with wisdom and trust God with the outcome.
Biblical Values, Evidence-Based Investing
Faith doesn't mean ignoring the evidence. Our investment philosophy is grounded in decades of academic research and modern portfolio theory, the same principles behind Dimensional Fund Advisors. We build broadly diversified, low-cost portfolios, avoid stock picking and market timing, and focus on what you can control: costs, taxes, risk, and discipline. As Proverbs 21:5 says, "The plans of the diligent lead surely to abundance."
Who We Serve
Kingdom Wealth Advisers is a Christian financial advisor based in Gilbert, Arizona, serving families nationwide. We work with pre-retirees and retirees with $250,000 or more in investable assets who want their wealth to count for something bigger than themselves. Founder Nick Lombardozzi is the author of Your Retirement, God's Kingdom.
Kingdom Wealth Advisers clients share their experience working with Nick Lombardozzi on faith-based financial planning.
How to Choose a Christian Financial Advisor
Ask any advisor you're considering these five questions. We're happy to answer every one of them.
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A fiduciary is legally required to put your interests first. Some advisors act as fiduciaries only part of the time, so ask whether that standard applies to every recommendation they make.
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Ask for every cost in writing: advisory fees, fund expenses, and any commissions. Fees compound over time just like returns do, so transparency matters.
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Look for an approach built on research, not predictions. Broad diversification, low costs, and long-term discipline have far more evidence behind them than stock picking or market timing.
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Faith should shape the plan, not just the marketing. Ask how generosity, contentment, debt, and legacy factor into the advice you'll receive.
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Investments are only one piece. A good advisor coordinates giving strategies, tax planning, and estate planning so everything works together.
FAQs
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No. "Christian" describes an advisor's values, while "fiduciary" is a legal duty to act in your best interest. They aren't the same thing, so always ask. At Kingdom Wealth Advisers, we believe you deserve both.
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No. Our planning is shaped by biblical principles, but we're glad to work with anyone who appreciates a values-based, evidence-based approach to their money.
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Biblically responsible investing (BRI) screens out companies whose products or practices conflict with biblical values. We can build values-aligned portfolios while keeping them broadly diversified and low-cost.
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It can change your results, for better or worse, because screening narrows what you own. The key is staying broadly diversified and low-cost so you still capture the market's long-term returns. We'll walk through the tradeoffs so you can decide.
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We typically work with pre-retirees and retirees who have $250,000 or more in investable assets.
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No. We're based in Gilbert, Arizona, and serve families nationwide.
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The concept of a Christian retirement is seen not as an end, but as a new phase for engaging in valuable, purpose-driven activities aligned with your beliefs.
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The Bible does not explicitly prohibit borrowing or being in debt. However, it does warn about the dangers and potential negative consequences of debt. This implies a need for caution and careful consideration when it comes to borrowing money or taking on debt, in line with the broader biblical principles of financial stewardship and responsibility. Proverbs 22:7, 'The rich rules over the poor, and the borrower is the slave of the lender.'
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The Bible emphasizes that while we must fulfill our civic duty to pay taxes, it is more important for believers to focus on being wise stewards of the resources God has entrusted to us. We suggest striking a balance between honoring governmental authority and practicing biblical stewardship, aiming to pay exactly what we owe, rather than carelessly overpaying through poor planning. Romans 13:6-7 (ESV): 'For because of this you also pay taxes, for the authorities are ministers of God, attending to this very thing. Pay to all what is owed to them: taxes to whom taxes are owed, revenue to whom revenue is owed, respect to whom respect is owed, honor to whom honor is owed.'
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Retirement is an opportunity to live out values of selflessness, generosity, and compassion. This stage of life offers a unique and enriching time to make meaningful contributions to the well-being of others, thereby finding greater fulfillment and spiritual blessings. Acts 20:35, 'In all things I have shown you that by working hard in this way we must help the weak and remember the words of the Lord Jesus, how he himself said, it is more blessed to give than to receive.'
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The Bible emphasizes that while leaving a financial inheritance can be impactful, it is more important for believers to focus on building a legacy of faith and ministry. We suggest striking a balance between financial security and spiritual wealth, aiming for treasures that last forever, rather than just material wealth. Proverbs 13:22, 'A good man leaves an inheritance to his children's children, but the sinner's wealth is laid up for the righteous.'
