Frequently Asked Questions

BRI aligns investments with biblical principles—seeking companies that meet values-based screens and avoiding those that conflict with Christian teachings. We document our screening and oversight process and make it available to clients. Screen it and Clean it

No. We design diversified portfolios that seek market-competitive returns while respecting values screens. Portfolio construction, tax efficiency and risk management remain central so values-based constraints don’t sacrifice long-term outcomes. Here are some studies that suggest that BRI does not inherently sacrifice returns compared to broad markets:  some even show outperformance due to avoiding high-risk “vice” industries.

• 2020 Christian Investment Forum (CIF) Fund Performance Study

• 2020 "Fleeing from Sin: Sin Stocks and Christian Investing"

• 2018/2019 "Performance Attribution of the First Biblically Responsible-based SRI Index" by Shane Enete

Financial Cornerstones is a faith-based Registered Investment Advisor focused on Biblically Responsible Investing (BRI). We combine technical investment capabilities with a stewardship-centered approach to align portfolios with Christian values and preserve wealth for clients and their heirs. About Us

Yes. As an RIA we act as a fiduciary — legally obligated to act in your best interest and to disclose material conflicts. We provide our clients with our firm brochure (ADV Part 2A), brochure supplements (ADV Part 2B), our fee program brochure (Part 2A Appendix 1), and our Privacy Policy.

We offer comprehensive wealth management: investment management with custom portfolios, retirement income planning, tax-aware strategies, estate planning coordination, philanthropy/legacy planning and ongoing fiduciary advice tailored to HNW Christian clients.

We serve primarily high-net-worth individuals and families (typically $1M–$5M AUM), pre-retirees and retirees, widows and women in transition, business owners, clergy and those 50+. We focus on clients who want stewardship plus sophisticated planning.

We are fee-based (AUM / percent of assets) and transparent. We detail fee tiers, minimums and any additional service charges on our Fee page; there are no hidden commissions. View Fees

Client assets are held at an independent custodian, Charles Schwab and Co., Inc. This separation protects custody and facilitates consolidated reporting.

Our typical minimum AUM is $500,000. For specialized planning clients or family engagements we sometimes consider exceptions based on need and complexity.

Risk management is built into our process—diversification, asset allocation, tax management, liquidity planning and periodic rebalancing. We also stress-test client plans for downside scenarios and income needs.

We disclose any affiliations, referral arrangements, and compensation. Our compensation structure is fee-based, and client interests guide recommendations.

We offer both—virtual and in-person meetings (serving The Woodlands, Houston and virtual nationwide). We adapt communication cadence to client preference.

We provide quarterly performance reports and periodic strategy reviews (minimum annually, more often for active planning stages). Clients also have secure portal access for statements and documents.

Many Christian families seek advisors who share their values and prioritize biblical stewardship. At Financial Cornerstones, we specialize in biblically responsible investing and fiduciary wealth management for high-net-worth clients. The next best step is a complimentary discovery call to see if we’re a good fit. Schedule Here

We begin with a confidential discovery call, then a deep financial & values assessment, model proposal, plan/portfolio approval, and a coordinated transition/custody setup. Typical onboarding takes 2–4 weeks, depending on complexity.

We provide compassionate, step-by-step financial transition support (cashflow, estate probate coordination, beneficiary review and long-term income planning) tailored to women transitioning to financial decision-making.

We coordinate tax planning, business succession planning, retirement plan optimization and liquidity strategies to manage taxes and succession risk while preserving wealth.

We provide philanthropic planning (donor-advised funds, charitable trusts), legacy conversations and tax-aware gift strategies aligned with biblical stewardship goals.