True Riches Financial Planning

True Riches Financial Planning Bundled financial planning, tax return filing, and wealth management for $250k+ earning Christian households โ€” all for one transparent flat fee

The role of a financial advisor has drastically changed over the years. What used to be a role solely focused on placing...
05/28/2026

The role of a financial advisor has drastically changed over the years.

What used to be a role solely focused on placing individual stock trades and providing investment advice has evolved far beyond that โ€” yet many consumers are still just paying 1% per year for generic "investment management".

And while that ๐ˆ๐’ still a part of the financial advisor role, it should go so much deeper than that. The ๐…๐”๐‹๐‹ ๐๐ˆ๐‚๐“๐”๐‘๐„ and how everything integrates together is what truly matters and where real value is had.

Not pictured: all the qualitative and behavioral ways a financial planner should help their clients.

"What fund or stock should I buy?" is the wrong first question when it comes to investing. Investing should follow some ...
05/27/2026

"What fund or stock should I buy?" is the wrong first question when it comes to investing.

Investing should follow some sort of "framework" before any discussion of individual "strategy".

And while the specific "funds" like mutual funds or ETF's are important, they have to be put in their proper place (and order). The majority of returns will come from your Asset Allocation (Mix and Proportion of Your Various Types of Investments) and Asset Location (Which Investments Live in Which Account-Type such as Roth, Traditional 401k, or Brokerage).

Don't let the "Fund" tail wag the "Life Plan" Dog โ€” it's a recipe for misalignment and potential disaster.

05/20/2026

Financial success rarely comes from quick shortcuts. Rather, success typically stems from running in the same direction consistently for extended periods of time in alignment with your Statements of Financial Purpose.

While finances aren't always complex, consistency can get really really hard when everything around you is begging for your time, attention, and money. This is where building a simple, effective plan structured around your life is key.

Acts of ๐Ž๐Œ๐ˆ๐’๐’๐ˆ๐Ž๐ (being content with less) are often just as powerful (if not more powerful) than acts of ๐‚๐Ž๐Œ๐Œ๐ˆ๐’๐’๐ˆ๐Ž๐ (hustling, grinding, & doing more).

05/18/2026

What Issues Should I Consider When Starting a New Job?

From cash flow to tax planning to equity compensation to retirement plans to health insurance, this free downloadable guide has the top things to consider!

05/14/2026

The stats around those receiving a large inheritance are sobering.

70% of inheritors spend the entire inheritance within 3 years.
About half of those spend it all in the first year alone.

The Bible talks extensively about the power of money over humans across generations. Wealth is like dynamite โ€” with potential to cause amazing good or incredible harm.

An inheritance can be life-changing. But if not managed purposefully, it can actually become a detriment to overall well-being.

This is where having a Kingdom-focused Advisor can come in โ€” to help you make choices that are aligned with what you ๐“๐‘๐”๐‹๐˜ ๐‚๐‘๐€๐•๐„ ๐Œ๐Ž๐’๐“ and use money as a tool to live out your God-given calling.

What ๐ˆ๐’ the stock market? It's simply ๐๐”๐’๐ˆ๐๐„๐’๐’ ๐Ž๐–๐๐„๐‘๐’๐‡๐ˆ๐. To take it one step further, it's fractional business ownershi...
05/12/2026

What ๐ˆ๐’ the stock market?

It's simply ๐๐”๐’๐ˆ๐๐„๐’๐’ ๐Ž๐–๐๐„๐‘๐’๐‡๐ˆ๐.

To take it one step further, it's fractional business ownership in companies that will [over extended time periods] grow their business in value. And as a business owner, you participate in that potential growth.

Capitalist economies like the USA are ๐๐Ž๐’๐ˆ๐“๐ˆ๐•๐„ ๐’๐”๐Œ endeavors as a whole [meaning everybody can win at the same time!].

The challenge is, large investors are constantly and instantaneously โ€˜pricing-inโ€™ the latest news and information (and what that information means for the future of a business) into current prices, creating short-term price movements ("volatility") within the businesses comprising the stock market itself.

This "volatility" is the price of entry for investing in the stock market. But over extended time periods, business ownership has been an incredible and unarguably successful catalyst for wealth creation.

The key is having a purposeful framework for ๐‡๐Ž๐– ๐“๐Ž ๐ˆ๐๐•๐„๐’๐“ coupled with behaviorally-friendly ways to ๐’๐“๐€๐˜ ๐ˆ๐๐•๐„๐’๐“๐„๐ƒ across unpredictable economic cycles and major world events.

This is why I ๐‹๐Ž๐•๐„ the Asset-Liability Matching Framework. It matches the risk of your assets (types of investments you buy) with the risk of your liabilities (time until you need the money to spend or give). It's data-driven, behaviorally-friendly, and custom to your household income and expenses!

What is the most underappreciated part of financial planning? ๐Ÿ‘‡๐ƒ๐ž๐ฏ๐ž๐ฅ๐จ๐ฉ๐ข๐ง๐  ๐š ๐’๐ญ๐š๐ญ๐ž๐ฆ๐ž๐ง๐ญ ๐จ๐Ÿ ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐๐ฎ๐ซ๐ฉ๐จ๐ฌ๐ž. In other wor...
05/08/2026

What is the most underappreciated part of financial planning? ๐Ÿ‘‡

๐ƒ๐ž๐ฏ๐ž๐ฅ๐จ๐ฉ๐ข๐ง๐  ๐š ๐’๐ญ๐š๐ญ๐ž๐ฆ๐ž๐ง๐ญ ๐จ๐Ÿ ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐๐ฎ๐ซ๐ฉ๐จ๐ฌ๐ž.

In other words, answer the simple yet profound question: "๐–๐ก๐š๐ญ ๐ข๐ฌ ๐ญ๐ก๐ข๐ฌ ๐š๐ฅ๐ฅ ๐Ÿ๐จ๐ซ ๐š๐ง๐ฒ๐ฐ๐š๐ฒ๐ฌ?"

Money is simply a tool that supports your Purpose โ€” so by first clearly articulating what your Financial Purpose is, I believe that you will better align the future resources that flow through your household to support that very Purpose you set for yourself.

Most Christian families I encounter default to leaving everything to their kids in their Wills or Trust โ€” but what if th...
05/06/2026

Most Christian families I encounter default to leaving everything to their kids in their Wills or Trust โ€” but what if there was a more impactful and intentional way?

In this short post, we walk through an Estate Planning approach to provide for your childrenโ€™s true needs while redirecting excess wealth away from taxes and towards Kingdom impact.

https://www.truerichesfp.com/replacing-the-irs-with-kingdom-impact-through-your-estate-plan

04/30/2026

The soul is a spiritual thing. Money is an earthly thing.

So how can the finite earthly thing [money] wholly fulfill the infinite spiritual need [our soul]?

โ€”Thomas Watson [Paraphrased]

04/27/2026

How does a 6% mortgage become a 4.6% mortgage in reality? ๐Ÿ‘‡

A $400k income married household has a $600k mortgage at 6%. Their home is worth $750k (20% down payment), and they give away 10% of their gross income (tithe).

The ๐“๐‘๐”๐„ ๐ˆ๐๐“๐„๐‘๐„๐’๐“ ๐‘๐€๐“๐„ on their mortgage is actually 4.6% once you adjust for the tax benefits of having the mortgage.

SALT of $22k, Giving of $40k, and Mortgage Interest of $36k ($600k x 6%)

But that full $36k of mortgage interest is tax-deductible. At the 24% federal tax bracket, that saves them $8,640 in taxes, bringing their ๐“๐‘๐”๐„ ๐ˆ๐๐“๐„๐‘๐„๐’๐“ ๐‚๐Ž๐’๐“ to $27,360 on a $600k mortgage, which is 4.56% interest cost.

Debt is not something to buy things you can't already afford. BUT it can be used as a tool to buy something you could already afford more strategically.

04/22/2026

"The poorest man I know is the man who has nothing but money." - John D. Rockefeller

Money itself accomplishes nothing. It is simply a tool.

Imagine you had the world's most amazing tool that could fix almost anything. But the tool never got put to use; it sat in your shed collecting dust, wasting its full potential.

Money is often the same way. It sits there idol...never being used for the potentially wonderful purposes it could accomplish.

Money itself is powerless. All that matters is how we ๐”๐’๐„ the money for purposes greater than the money itself.

"Hereโ€™s the lesson: Use your worldly resources to benefit others and make friends. Then, when your possessions are gone, they will welcome you to an eternal home." Luke 16:9 NLT

Address

2373 Central Park Boulevard Unit 100
Denver, CO
80238

Website

Alerts

Be the first to know and let us send you an email when True Riches Financial Planning posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category