Wealth Management for Christian Families
Wealth management is about stewarding your investments with wisdom, discipline, and a long-term perspective. We manage your portfolio with a focus on earning returns while managing risks, using proven strategies that have succeeded for decades rather than chasing the latest investment fads. All client funds are held clearly and transparently at Charles Schwab, and we coordinate investment management with every other area of your financial life to ensure tax efficiency, adequate liquidity, and alignment with your overall plan.
How Wealth Management Works at Kingdom Financial
Wealth management is our greatest passion. Lance has been investing personally for 25 years and guiding clients for 11 years. Much of his free time is spent reading about investments and economic history, and he has had the opportunity to see and influence investment decisions at multiple firms. This experience shapes how we serve clients today.
1. Discovery Call
We begin with a conversation about your current investments, how they are managed, and what questions or concerns you have. This helps us understand your goals, risk tolerance, and how investment management fits into your broader financial life.
2. Organization Session
Next, we gather details about your accounts, asset allocation, investment philosophy, liquidity needs, and tax situation. This helps us see the full picture and identify opportunities for improvement.
3. Values Discussion
Before making recommendations, we talk through your priorities, timeline, comfort with risk, and what matters most to you. Investment decisions should reflect your values and long-term vision, not short-term market noise.
4. Portfolio Design
We design a portfolio strategy that aligns with your comprehensive financial plan. This includes selecting the right asset allocation, prioritizing tax-efficient account location, ensuring sufficient cash or cash equivalents are available for anticipated distributions, and implementing proven strategies that have succeeded for many decades.
5. Implementation and Ongoing Management
Once your portfolio is in place, we manage it consistently throughout the year. This includes rebalancing, tax-loss harvesting, coordinating with distributions and contributions, and adjusting as your life and plan evolve. All client funds are held at Charles Schwab for clarity and transparency.
6. Coordination with Outside Professionals
If you prefer to keep some or all of your investments with outside professionals, we can coordinate with them. Our preference is to manage investments for clients, especially when in or close to retirement, due to the regular consistent work involved throughout the year. We can handle this behind the scenes without continual coordination. Our pricing structure reflects an AUM fee that discounts the planning fee, so consolidating management usually makes sense over time.
What Makes Our Approach Different
Our investment philosophy is straightforward: we seek returns while managing risks. Valuations matter, and we favor heavily researched, well-documented strategies that have succeeded for many decades over chasing the latest investment fads. We have seen many fads come and go, and they often end with investors being very disappointed.
Fads seem prevalent for several reasons, but one top reason appears to be that advisors feel pressure to come up with something new and novel to justify their fees. We prefer to focus on proven strategies instead of trying to justify our worth through novelty. It should be clear from the entirety of our work that we are doing a massive amount to help clients across every area of their financial lives.
We also incorporate practices that many advisors overlook. Asset location is a standard part of our process. This entails placing the right investments in the right account types to improve tax efficiency. We also prioritize ensuring clients have sufficient cash or cash equivalents ready for anticipated distributions, which greatly reduces sequence of returns risk in retirement.
All client funds are managed at Charles Schwab, providing clarity, transparency, and direct access to your accounts at all times.
This is part of our comprehensive financial planning process.
We do not offer these services in isolation. They work together.
Who This Is For
Wealth management may be a good fit for you if:
You want your investments managed with a long-term, research-backed approach that prioritizes proven strategies over the latest fads.
You want investment decisions coordinated with tax planning, retirement income, liquidity needs, and your overall financial plan.
You want someone who is deeply passionate about investments, has decades of personal and professional experience, and will manage your portfolio consistently throughout the year.
You are in or approaching retirement and want to ensure you have adequate cash available for distributions while managing sequence of returns risk.
You value transparency and want all funds held clearly at a reputable custodian like Charles Schwab.
You do not have to move all your investments immediately to work with us. We can coordinate with outside professionals if you prefer. However, our pricing structure and ongoing management approach usually make consolidating investments beneficial over time.
Frequently Asked Questions
Do I have to move all my investments to work with you?
1
No. We can coordinate with your outside investment professionals if you prefer. However, our AUM fee discounts the planning fee, so consolidating management usually makes sense over time. Our preference is to manage investments for clients, especially when in or close to retirement, due to the consistent work involved throughout the year.
What is your investment philosophy?
2
We seek returns while managing risks. We favor heavily researched, well-documented strategies that have succeeded for many decades over chasing the latest investment fads. Valuations are important, and we focus on strategic allocations rather than trying to justify our worth through novelty.
Where are client funds held?
3
All client funds are held at Charles Schwab. We do not take custody of your money. You have direct access to your accounts at all times, and Schwab provides clarity and transparency.
How do you incorporate tax efficiency into investment management?
4
We use asset location strategies to place the right investments in the right account types based on tax treatment. We also coordinate tax-loss harvesting, Roth conversions, charitable giving from investments, and other strategies with your overall tax plan.
How do you manage sequence of returns risk in retirement?
5
We prioritize ensuring clients have sufficient cash or cash equivalents available for anticipated distributions. This reduces the need to sell investments during market downturns, which is one of the greatest risks retirees face.
Related Planning Areas
Wealth management works best when integrated with the other areas of your financial life. You can explore each area in more depth here:
Ready to Get Started?
If you want your investments managed with wisdom, discipline, and a long-term perspective rooted in proven strategies, wealth management may be a meaningful next step. We would be honored to steward your investments alongside your comprehensive financial plan so everything works together with clarity and purpose.