A Christian view of money starts with a simple admission: it isn't ours. We manage portfolios for clients who want their investments to reflect that, without giving up the discipline, diversification, and tax efficiency a serious portfolio requires.
Most advisors optimize for a number on a statement. We plan for a life. The portfolio comes after we understand what you are stewarding, who you are stewarding it for, and where you sense God leading.
Every engagement runs through the same four stages. The pace is set by your life, not a script.
A long conversation, usually two meetings. We listen for the goals behind the goals: the family business you want to hand off well, the giving you've been quietly planning for ten years, the retirement that needs to actually start at sixty-two. We document everything in plain language so you can read it back to us and tell us what we got wrong.
We build your investment policy in writing. Target allocation, rebalancing bands, BRI screens if requested, tax-location rules across taxable, tax-deferred, and tax-free accounts. You sign it before we move a dollar.
Accounts are opened in your name. We trade with discretion through your custodian; we never custody your money ourselves. You see every position, every fee, and every transaction in real time through your own login.
Quarterly check-ins, an annual review with a written report, and a phone line that goes to a person, not a queue. Markets will do what markets do. We're here for the moments when staying the course needs to be said by someone who knows your whole picture.
One team, one fee, and a portfolio that talks to the rest of your plan.
Fee-only, fiduciary. A flat percentage of assets we manage. No commissions, no product kickbacks, no proprietary funds.
Asset location across taxable, tax-deferred, and Roth accounts so the tax drag is engineered out, not absorbed.
On request. We show you the expected tracking error against a conventional benchmark before you commit.
Social Security timing, Roth conversion windows, and a withdrawal sequence that protects the portfolio in down years.
A coordinated look at life, disability, and umbrella coverage so the plan holds up when something breaks.
A written annual review, quarterly conversations, and a direct line for the questions that come up in between.
Altruist is a modern, advisor-only custodian built from the ground up for fiduciary advice. Lower friction than the legacy shops, the same federal protection, and a clean mobile experience. We trade with discretion. We never custody your money ourselves.
SIPC-covered
Federal protection on your accounts
In your name
You own every account directly
Real-time access
Your own login, your own view
Advisor-only platform
Built for fiduciary advice
For clients who want it, we apply BRI screens that avoid companies whose primary business conflicts with Christian conviction: abortion providers, predatory lending, adult entertainment, and the like.
The mechanics matter. A well-built BRI portfolio is diversified, low-cost, and broadly tracks the market over time. A poorly built one is concentrated, expensive, and underperforms for the wrong reasons. We'll show you the expected tracking error against a conventional benchmark before you commit, so there are no surprises three years in.
BRI is an option, not a requirement. Plenty of our clients run conventional portfolios and direct their conviction toward giving and legacy rather than screening. Either path is faithful.
Yes. We're a registered investment adviser. We're held to a fiduciary standard on every recommendation, not just retirement accounts.
Fee-only. A flat annual percentage of assets we manage, billed quarterly. No commissions, no product kickbacks, no proprietary funds. You'll see exactly what you paid on every statement.
No. BRI is an option for clients who want it. Conventional portfolios are equally welcome and equally well-managed. Plenty of our clients direct their conviction toward giving rather than screening.
At Altruist, in accounts you own. We can place trades on your behalf; we cannot move money out. You log in directly to see your accounts anytime.
$500,000 in investable assets is our typical starting point. We make exceptions for clients we already serve on the tax or planning side, and for families building toward that threshold on a clear timeline.
"The earth is the Lord's and the fullness thereof, the world and those who dwell therein."
A fifteen-minute call is enough to know if we are a fit. We won't pressure you into a second meeting if the answer is no.
Schedule a discovery call