When most people think about financial planning and investing, they picture spreadsheets, stock charts, or news headlines about the markets. And while those things are part of the process, I’ve found that real financial planning goes much deeper. At its core, it’s not just about the numbers—it’s about what matters most to you and your family.
For me, that means aligning money decisions with faith, values, and long-term purpose. Over the years, I’ve had countless conversations with clients who say the same thing: they don’t just want to build wealth; they want their money to reflect their beliefs, support their families, and make a difference in the world. That’s where faith and values-based investing comes in.
What Is Values-Based Investing?
Values-based investing is the idea of aligning your financial decisions with the principles you live by. For some, that means avoiding investments in industries that don’t match their values. For others, it’s about actively choosing to invest in companies that promote causes they care about, like clean energy, community development, or strong family values.
There isn’t one “right” way to do it. Every family has its own priorities and convictions. The key is being intentional. Instead of letting your money automatically go into whatever funds are most popular, you’re asking a bigger question: Does this investment reflect what I believe in?
Why It Matters
Money has a way of quietly shaping our lives. It influences where we live, the opportunities we provide our kids, the stress (or peace) we carry into our homes, and even the impact we have on our community. When our investments line up with our values, there’s a deeper sense of purpose in the process.
It’s not about perfection—nobody’s portfolio is going to be 100% aligned with every value they hold. But when your financial life reflects your faith and priorities, it brings a sense of integrity and consistency. For families of faith, that’s especially important. Stewardship isn’t just about giving; it’s also about how we grow and manage what’s been entrusted to us.
Common Misconceptions
I often hear concerns from people who want to align their money with their faith but worry they’ll have to sacrifice returns. The truth is, that’s not necessarily the case. Studies over the past decade have shown that values-based and faith-driven investment funds can perform just as well as, and in some cases better than, traditional funds.
Another misconception is that it’s too complicated. While there are definitely layers to research, there are now many tools and investment options that make it more straightforward. Working with an advisor who understands both your financial goals and your values can make the process a whole lot easier.
Practical Steps to Get Started
If you’ve never thought about aligning your finances with your values, here are a few steps to consider:
- Clarify Your Priorities – Write down what matters most to you and your family. Is it faith, environmental stewardship, supporting certain causes, or avoiding certain industries?
- Evaluate Where You Are – Take a look at your current investments. Do you know where your money is actually going? Sometimes clients are surprised when they find out what companies they’re indirectly supporting.
- Start Small – You don’t have to overhaul your entire portfolio overnight. Even shifting a portion of your investments toward values-based funds can make a difference.
- Think Long-Term – This isn’t about chasing the hottest trend or short-term returns. It’s about creating a financial strategy that you can feel good about for years to come.
- Work With Someone You Trust – An advisor who understands both the markets and your values can help you navigate options without sacrificing your long-term goals.
Living It Out
In my own life, I’ve found that when I make financial choices that line up with my faith, there’s more peace in the process. I don’t feel like I’m torn between what I believe and how I invest. Instead, I feel like my financial plan supports the bigger picture of who I am as a husband, a father, and a deacon in my church.
Of course, it’s not always easy. There are trade-offs and tough decisions along the way. But I’ve also found that it sparks meaningful conversations in my household and with clients. When we step back and think about money as a tool for living out our faith and priorities, it changes the whole perspective. It’s no longer just about “How much do I have?” but “What kind of impact am I making?”
Final Thoughts
At the end of the day, investing is personal. Numbers, returns, and strategies matter, but they’re not the whole story. Your faith and values are what give those numbers meaning. Aligning your finances with what matters most doesn’t just help you grow wealth—it helps you live with purpose, integrity, and peace of mind.
If you’ve never explored this side of financial planning, I encourage you to start the conversation. Ask yourself—and maybe even your spouse or kids—how your money can reflect the things that matter most to your family. You might be surprised how meaningful that journey can be.