How To Choose The Right Financial Advisor

“Without counsel plans fail, but with many advisers they succeed.” – Proverbs 15:22

When it comes to managing your money wisely, few decisions are as important as choosing a financial advisor. But for Christians who want their finances to reflect their faith, it’s about more than just numbers and returns—it’s about finding someone who shares your convictions and walks with wisdom.

Here are three foundational categories to help you make a thoughtful, values-based decision.

Values Alignment: Does Your Advisor Share Your Biblical Worldview?

At the heart of every financial decision lies a set of values. For believers, those values are shaped by Scripture and a desire to honor God with everything, including money. That’s why the first and most critical step in choosing a financial advisor is making sure they see financial planning through a biblical lens.

Key questions to ask:

• “What role does faith play in your financial advice?”
• “What’s your definition of financial success?”

Look for someone who not only respects your beliefs but actively integrates biblical wisdom into their guidance. Are they encouraging you to be generous, to see money as a tool rather than a goal, and to pursue faithfulness over financial status?

To help in this search, consider looking for a Certified Kingdom Advisor® (CKA®)—a professional trained specifically to apply biblical principles to financial planning. You can find one at FaithFi.com under “Find a Professional.” Competency: Do They Have the Skills and Experience You Need?

Even the most aligned values won’t get far without practical expertise. A wise advisor should be equipped to handle the complexities of your financial situation and bring clarity to your planning.

Ask questions like:

• “What are your credentials and certifications?”
• “How long have you been in practice, and who do you typically work with?”
• “What is your approach to financial planning?”

Credentials like CFP® (Certified Financial Planner), CPA® (Certified Public Accountant), or CFA® (Chartered Financial Analyst) signal rigorous training and ethical standards. Just as important is their ability to explain their process clearly and tailor their advice to your unique circumstances—whether that’s preparing for retirement, navigating investments, or stewarding an inheritance.

Process & Compensation: Are They Transparent and Client-Centered?

Understanding how an advisor works—and how they’re paid—is vital. Their process should be relational, thorough, and focused on your best interest.

Questions to consider:

• “What is your process for creating a financial plan?”
• “How are you compensated for your services?”

Some advisors charge a flat fee (fee-only), while others earn commissions based on products sold. A transparent advisor will explain their compensation model and how it may affect their recommendations. Ideally, their incentives should be aligned with your goals, not driven by sales.

Seek Wisdom, Not Just Wealth

Selecting a financial advisor isn’t just a logistical choice—it’s a spiritual one. You're choosing someone who will help shape how you steward God’s provision. That’s why it’s worth taking the time to evaluate not just their credentials, but their convictions.

By asking the right questions about values, competency, and process, you’ll be better positioned to find an advisor who will not only help you grow financially but also walk in greater faith and faithfulness.