SERVICES
What We Do
With our ongoing Biblically responsible investment management and financial planning processes, we stay by your side through the years to help you wisely pursue your financial goals, one step at a time. As life happens, we help you make the necessary adjustments to stay on track. We believe financial planning and investment management is a journey, not a destination.
What We Believe
Christian Financial Advisors® maintains a list of “What We Believe” to ensure that there’s never any ambiguity about our faith-based foundation. We aim to be transparent from the start, so no one ever wonders if our firm is Christian in name only.
Our Guiding Principles
Christian Financial Advisors® abides by five main principles which allow us to serve our clients with the utmost care along with seven investment management principles governing our investment procedures.
Our Investment Principles
Christian Financial Advisors® utilizes 7 investment management principles which are based on wisdom, years of experience, and scriptural principles found in Ecclesiastes 3:1-8 and 11:2.
Overall Rating
as of 12/08/2023
Christian Investment Advisors, Inc, DBA Christian Financial Advisors®, is an SEC registered Investment Adviser. A current client gave this testimonial and was not compensated with cash, or non-cash compensation, for the testimonial. There are no material conflicts of interest on the part of the person(s) giving the testimonial resulting from the person’s relationship with Christian Financial Advisors®, therefore has no incentive to recommend the adviser.

Check out our recurring podcast with Bob Barber and Shawn Peters on what God’s word says about money.
Click Any Image Below To Watch One Of Our Video Episodes
Term vs. cash value: the ultimate investment guide
Are sky high fees making cash value life insurance a poor investment for you? Should you just buy term life insurance and invest the difference yourself? Bob and Shawn discuss the true cost of cash value life insurance, such as whole life and universal life. Life insurance is almost always a must to protect your family and immediate loved ones in the case of your death, especially from your 20’s to 60’s.
This episode highlights the various fees and charges associated with these policies, including upfront premium loads and surrender charges. No matter what you decide after listening to this episode, it is highly recommended to seek advice from a fee-based advisor or CPA.
*Christian Financial Perspectives Episode 185*
_About Christian Financial Perspectives_
Christian Financial Perspectives covers everything from “Investing in stocks, mutual funds and ETF’s” to “Planning for Retirement” to “Buying Investment Real Estate” to “Creating a Family Legacy” from a Biblical Worldview. The Bible has over 2000 scriptures that speak wisdom into how Christians can successfully structure their finances for a victorious life that honors God. Most people do not realize that Jesus spoke more about stewardship than Heaven and Hell combined.
_About Christian Financial Advisors®_
Christian Financial Advisors® is headquartered in Central Texas and serves clients nationwide with offices in New Braunfels and Boerne, Texas. Our focus is guiding you toward your financial goals by integrating values based advice into financial planning, retirement planning and investment management.
*» Facebook* | https://www.facebook.com/HelloCFAdvisors/
*» Twitter* | @HelloCFAdvisors (https://twitter.com/HelloCFAdvisors)
*» Instagram | @hellocfadvisors* (https://www.instagram.com/hellocfadvisors)
*» Podcast Website* | https://www.christianfinancialpodcast.com
*» Podcast Version of Videos* | https://open.spotify.com/show/74Rg1ho1LOG2YbC3j5D7B5
https://itunes.apple.com/us/podcast/christian-financial-perspectives/id1437191508?mt=2&ls=1#episodeGuid=https%3A%2F%2Fwww.christianfinancialpodcast.com%2F%3Fp%3D3319
https://podcasts.google.com/feed/aHR0cHM6Ly93d3cuY2hyaXN0aWFuZmluYW5jaWFscG9kY2FzdC5jb20vZmVlZC9wb2RjYXN0Lw?sa=X&ved=0CAMQ4aUDahgKEwiAw_bDpKX2AhUAAAAAHQAAAAAQnAE
https://music.amazon.com/podcasts/7cb016df-18d2-47a4-ba8e-955b4ccb12d4/christian-financial-perspectives
_* Investment advisory services offered through Christian Investment Advisors Inc dba Christian Financial Advisors, a registered investment advisor registered with the SEC. Registration as an investment advisor does not imply a certain level of skill or training. Comments from today’s show are for informational purposes only and not to be considered investment advice or recommendations to buy or sell any company that may have been mentioned or discussed. The opinions expressed are solely those of the hosts, Bob Barber and Shawn Peters, and their guests. Bob and Shawn do not provide tax advice and encourage you to seek guidance from a tax professional. While Christian Financial Advisors believes the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability._
December 2023 Financial Bullet Points
This month, we cover year-end tax planning, interest rates, solid Q3 earnings, inflation improvement, real estate investing options, portfolio appreciation, market index nuances, and continuing education topics.
Check out the written version at: https://cfa.lc/6yq.
If you have any questions or concerns, please don't hesitate to call or text our main office line at @
Monthly Financial Bullet Points
This monthly communication will quickly and easily cover the main financial issues affecting the markets without being bogged down with many details, all within about 3 minutes.
Boost Your Impact: Year End Charitable Gifting Tips
Want to give beyond just cash this year? Donate stocks, real estate required IRA distributions, and more by December 31st. Bob and Shawn the importance of alternative non-cash giving, as the majority of charitable giving is done through cash, despite cash being a small portion of people's assets.
Various options for non-cash giving are discussed in depth, including opening a donor-advised fund, contributing to a charitable gift annuity, donating appreciated stocks, and donating other valuable assets. Tune in now to learn about the many ways to give to your favorite charities in unique ways that continue to offer support for many years down the road.
*Christian Financial Perspectives Episode 184*
_About Christian Financial Perspectives_
Christian Financial Perspectives covers everything from “Investing in stocks, mutual funds and ETF’s” to “Planning for Retirement” to “Buying Investment Real Estate” to “Creating a Family Legacy” from a Biblical Worldview. The Bible has over 2000 scriptures that speak wisdom into how Christians can successfully structure their finances for a victorious life that honors God. Most people do not realize that Jesus spoke more about stewardship than Heaven and Hell combined.
_About Christian Financial Advisors®_
Christian Financial Advisors® is headquartered in Central Texas and serves clients nationwide with offices in New Braunfels and Boerne, Texas. Our focus is guiding you toward your financial goals by integrating values based advice into financial planning, retirement planning and investment management.
*» Facebook* | https://www.facebook.com/HelloCFAdvisors/
*» Twitter* | @HelloCFAdvisors (https://twitter.com/HelloCFAdvisors)
*» Instagram | @hellocfadvisors* (https://www.instagram.com/hellocfadvisors)
*» Podcast Website* | https://www.christianfinancialpodcast.com
*» Podcast Version of Videos* | https://open.spotify.com/show/74Rg1ho1LOG2YbC3j5D7B5
https://itunes.apple.com/us/podcast/christian-financial-perspectives/id1437191508?mt=2&ls=1#episodeGuid=https%3A%2F%2Fwww.christianfinancialpodcast.com%2F%3Fp%3D3319
https://podcasts.google.com/feed/aHR0cHM6Ly93d3cuY2hyaXN0aWFuZmluYW5jaWFscG9kY2FzdC5jb20vZmVlZC9wb2RjYXN0Lw?sa=X&ved=0CAMQ4aUDahgKEwiAw_bDpKX2AhUAAAAAHQAAAAAQnAE
https://music.amazon.com/podcasts/7cb016df-18d2-47a4-ba8e-955b4ccb12d4/christian-financial-perspectives
_* Investment advisory services offered through Christian Investment Advisors Inc dba Christian Financial Advisors, a registered investment advisor registered with the SEC. Registration as an investment advisor does not imply a certain level of skill or training. Comments from today’s show are for informational purposes only and not to be considered investment advice or recommendations to buy or sell any company that may have been mentioned or discussed. The opinions expressed are solely those of the hosts, Bob Barber and Shawn Peters, and their guests. Bob and Shawn do not provide tax advice and encourage you to seek guidance from a tax professional. While Christian Financial Advisors believes the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability._
Unwrap Savings: 7 Christmas Spending Tips You Need to Know
Want to avoid debt this Christmas? Make a budget, limit gifts, and remember the reason for the season - Jesus. Bob and Shawn discuss seven takeaways for Christmas spending. Some takeaways suggest using cash or a debit card instead of a credit card to prevent overspending. Thoughtful and meaningful gifts that will be remembered are usually better than expensive gifts. This Christmas, don’t forget to focus on the true meaning of Christmas and to have fun giving gifts!
*Christian Financial Perspectives Episode 183*
_About Christian Financial Perspectives_
Christian Financial Perspectives covers everything from “Investing in stocks, mutual funds and ETF’s” to “Planning for Retirement” to “Buying Investment Real Estate” to “Creating a Family Legacy” from a Biblical Worldview. The Bible has over 2000 scriptures that speak wisdom into how Christians can successfully structure their finances for a victorious life that honors God. Most people do not realize that Jesus spoke more about stewardship than Heaven and Hell combined.
_About Christian Financial Advisors®_
Christian Financial Advisors® is headquartered in Central Texas and serves clients nationwide with offices in New Braunfels and Boerne, Texas. Our focus is guiding you toward your financial goals by integrating values based advice into financial planning, retirement planning and investment management.
*» Facebook* | https://www.facebook.com/HelloCFAdvisors/
*» Twitter* | @HelloCFAdvisors (https://twitter.com/HelloCFAdvisors)
*» Instagram | @hellocfadvisors* (https://www.instagram.com/hellocfadvisors)
*» Podcast Website* | https://www.christianfinancialpodcast.com
*» Podcast Version of Videos* | https://open.spotify.com/show/74Rg1ho1LOG2YbC3j5D7B5
https://itunes.apple.com/us/podcast/christian-financial-perspectives/id1437191508?mt=2&ls=1#episodeGuid=https%3A%2F%2Fwww.christianfinancialpodcast.com%2F%3Fp%3D3319
https://podcasts.google.com/feed/aHR0cHM6Ly93d3cuY2hyaXN0aWFuZmluYW5jaWFscG9kY2FzdC5jb20vZmVlZC9wb2RjYXN0Lw?sa=X&ved=0CAMQ4aUDahgKEwiAw_bDpKX2AhUAAAAAHQAAAAAQnAE
https://music.amazon.com/podcasts/7cb016df-18d2-47a4-ba8e-955b4ccb12d4/christian-financial-perspectives
_* Investment advisory services offered through Christian Investment Advisors Inc dba Christian Financial Advisors, a registered investment advisor registered with the SEC. Registration as an investment advisor does not imply a certain level of skill or training. Comments from today’s show are for informational purposes only and not to be considered investment advice or recommendations to buy or sell any company that may have been mentioned or discussed. The opinions expressed are solely those of the hosts, Bob Barber and Shawn Peters, and their guests. Bob and Shawn do not provide tax advice and encourage you to seek guidance from a tax professional. While Christian Financial Advisors believes the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability._
Boost Your Savings: 2023 Year End Tax Tips
It’s time to discuss strategies for 2023 year-end tax planning! Want to lower your 2023 taxes with strategies like charitable giving, retirement plan contributions, and medical expenses? Small moves now could save you thousands in the future.
It’s important to pay our fair share of taxes, but also equally important to not pay more taxes than necessary. By taking advantage of strategies like sales tax deductions, you may be able to lower your tax bracket. As always, it’s important to consult with a CPA or tax professional for personalized advice.
*Christian Financial Perspectives Episode 182*
_About Christian Financial Perspectives_
Christian Financial Perspectives covers everything from “Investing in stocks, mutual funds and ETF’s” to “Planning for Retirement” to “Buying Investment Real Estate” to “Creating a Family Legacy” from a Biblical Worldview. The Bible has over 2000 scriptures that speak wisdom into how Christians can successfully structure their finances for a victorious life that honors God. Most people do not realize that Jesus spoke more about stewardship than Heaven and Hell combined.
_About Christian Financial Advisors®_
Christian Financial Advisors® is headquartered in Central Texas and serves clients nationwide with offices in New Braunfels and Boerne, Texas. Our focus is guiding you toward your financial goals by integrating values based advice into financial planning, retirement planning and investment management.
*» Facebook* | https://www.facebook.com/HelloCFAdvisors/
*» Twitter* | @HelloCFAdvisors (https://twitter.com/HelloCFAdvisors)
*» Instagram | @hellocfadvisors* (https://www.instagram.com/hellocfadvisors)
*» Podcast Website* | https://www.christianfinancialpodcast.com
*» Podcast Version of Videos* | https://open.spotify.com/show/74Rg1ho1LOG2YbC3j5D7B5
https://itunes.apple.com/us/podcast/christian-financial-perspectives/id1437191508?mt=2&ls=1#episodeGuid=https%3A%2F%2Fwww.christianfinancialpodcast.com%2F%3Fp%3D3319
https://podcasts.google.com/feed/aHR0cHM6Ly93d3cuY2hyaXN0aWFuZmluYW5jaWFscG9kY2FzdC5jb20vZmVlZC9wb2RjYXN0Lw?sa=X&ved=0CAMQ4aUDahgKEwiAw_bDpKX2AhUAAAAAHQAAAAAQnAE
https://music.amazon.com/podcasts/7cb016df-18d2-47a4-ba8e-955b4ccb12d4/christian-financial-perspectives
_* Investment advisory services offered through Christian Investment Advisors Inc dba Christian Financial Advisors, a registered investment advisor registered with the SEC. Registration as an investment advisor does not imply a certain level of skill or training. Comments from today’s show are for informational purposes only and not to be considered investment advice or recommendations to buy or sell any company that may have been mentioned or discussed. The opinions expressed are solely those of the hosts, Bob Barber and Shawn Peters, and their guests. Bob and Shawn do not provide tax advice and encourage you to seek guidance from a tax professional. While Christian Financial Advisors believes the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability._
10 Ways to Help Overcome Inflation
Massive inflation is eating budgets alive, but with some wise choices like shopping thrift stores, fixing items ourselves and avoiding impulse buys, there are ways to overcome it. Bob and Shawn emphasize the importance of making wise choices, such as shopping at thrift stores, fixing items yourself, and avoiding impulse buys.
Both hosts provide personal anecdotes and examples to support their points. Overall, this episode is highly aimed to help listeners save money and assist in navigating the challenges of inflation.
*Christian Financial Perspectives Episode 181*
_About Christian Financial Perspectives_
Christian Financial Perspectives covers everything from “Investing in stocks, mutual funds and ETF’s” to “Planning for Retirement” to “Buying Investment Real Estate” to “Creating a Family Legacy” from a Biblical Worldview. The Bible has over 2000 scriptures that speak wisdom into how Christians can successfully structure their finances for a victorious life that honors God. Most people do not realize that Jesus spoke more about stewardship than Heaven and Hell combined.
_About Christian Financial Advisors®_
Christian Financial Advisors® is headquartered in Central Texas and serves clients nationwide with offices in New Braunfels and Boerne, Texas. Our focus is guiding you toward your financial goals by integrating values based advice into financial planning, retirement planning and investment management.
*» Facebook* | https://www.facebook.com/HelloCFAdvisors/
*» Twitter* | @HelloCFAdvisors (https://twitter.com/HelloCFAdvisors)
*» Instagram | @hellocfadvisors* (https://www.instagram.com/hellocfadvisors)
*» Podcast Website* | https://www.christianfinancialpodcast.com
*» Podcast Version of Videos* | https://open.spotify.com/show/74Rg1ho1LOG2YbC3j5D7B5
https://itunes.apple.com/us/podcast/christian-financial-perspectives/id1437191508?mt=2&ls=1#episodeGuid=https%3A%2F%2Fwww.christianfinancialpodcast.com%2F%3Fp%3D3319
https://podcasts.google.com/feed/aHR0cHM6Ly93d3cuY2hyaXN0aWFuZmluYW5jaWFscG9kY2FzdC5jb20vZmVlZC9wb2RjYXN0Lw?sa=X&ved=0CAMQ4aUDahgKEwiAw_bDpKX2AhUAAAAAHQAAAAAQnAE
https://music.amazon.com/podcasts/7cb016df-18d2-47a4-ba8e-955b4ccb12d4/christian-financial-perspectives
_* Investment advisory services offered through Christian Investment Advisors Inc dba Christian Financial Advisors, a registered investment advisor registered with the SEC. Registration as an investment advisor does not imply a certain level of skill or training. Comments from today’s show are for informational purposes only and not to be considered investment advice or recommendations to buy or sell any company that may have been mentioned or discussed. The opinions expressed are solely those of the hosts, Bob Barber and Shawn Peters, and their guests. Bob and Shawn do not provide tax advice and encourage you to seek guidance from a tax professional. While Christian Financial Advisors believes the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability._
November 2023 Financial Bullet Points
This monthly communication, “Financial Bullet Points,” will quickly and easily cover the main financial issues affecting the markets without being bogged down with many details, all within about 3 minutes.
This month, we're sharing the latest on interest rates, the bond market, recession indicators, our fixed income and equity portfolio changes, and ways to get educated on year-end financial strategies.
Check out the written version at: https://cfa.lc/7d6.
If you have any questions or concerns, please don't hesitate to call or text our main office line at @.
The Paycheck Puzzle: How Financial Advisors Earn Their Keep
Ever wondered how financial advisors really get paid? Join Christian Financial Advisors as Bob and Shawn discuss the six types of payment and the potential conflicts of each. They emphasize the importance of transparency and encourage clients to ask their advisors about their payment structure.
Just a couple of the ways financial advisors get paid include hourly fees and salaried advisors. They also highlight the potential conflicts of interest that can arise when advisors are motivated by large upfront commissions.
*Christian Financial Perspectives Episode 180*
_About Christian Financial Perspectives_
Christian Financial Perspectives covers everything from “Investing in stocks, mutual funds and ETF’s” to “Planning for Retirement” to “Buying Investment Real Estate” to “Creating a Family Legacy” from a Biblical Worldview. The Bible has over 2000 scriptures that speak wisdom into how Christians can successfully structure their finances for a victorious life that honors God. Most people do not realize that Jesus spoke more about stewardship than Heaven and Hell combined.
_About Christian Financial Advisors®_
Christian Financial Advisors® is headquartered in Central Texas and serves clients nationwide with offices in New Braunfels and Boerne, Texas. Our focus is guiding you toward your financial goals by integrating values based advice into financial planning, retirement planning and investment management.
*» Facebook* | https://www.facebook.com/HelloCFAdvisors/
*» Twitter* | @HelloCFAdvisors (https://twitter.com/HelloCFAdvisors)
*» Instagram | @hellocfadvisors* (https://www.instagram.com/hellocfadvisors)
*» Podcast Website* | https://www.christianfinancialpodcast.com
*» Podcast Version of Videos* | https://open.spotify.com/show/74Rg1ho1LOG2YbC3j5D7B5
https://itunes.apple.com/us/podcast/christian-financial-perspectives/id1437191508?mt=2&ls=1#episodeGuid=https%3A%2F%2Fwww.christianfinancialpodcast.com%2F%3Fp%3D3319
https://podcasts.google.com/feed/aHR0cHM6Ly93d3cuY2hyaXN0aWFuZmluYW5jaWFscG9kY2FzdC5jb20vZmVlZC9wb2RjYXN0Lw?sa=X&ved=0CAMQ4aUDahgKEwiAw_bDpKX2AhUAAAAAHQAAAAAQnAE
https://music.amazon.com/podcasts/7cb016df-18d2-47a4-ba8e-955b4ccb12d4/christian-financial-perspectives
_* Investment advisory services offered through Christian Investment Advisors Inc dba Christian Financial Advisors, a registered investment advisor registered with the SEC. Registration as an investment advisor does not imply a certain level of skill or training. Comments from today’s show are for informational purposes only and not to be considered investment advice or recommendations to buy or sell any company that may have been mentioned or discussed. The opinions expressed are solely those of the hosts, Bob Barber and Shawn Peters, and their guests. Bob and Shawn do not provide tax advice and encourage you to seek guidance from a tax professional. While Christian Financial Advisors believes the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability._
How Traders Differ from True Investors: Unveiling the Distinct Financial Paths
Ready to clear up a big misconception in the financial world - are traders and investors the same thing? Spoiler alert, they're not. From Warren Buffett's long-term growth strategies to the quick buck culture of trading, Bob and Shawn demystify these often confused terms.
Traders focus on short-term profits and are often compared to professional gamblers, while investors have a long-term perspective and aim to build wealth over time. The misuse of these terms by financial websites can lead to confusion and misconceptions about investment strategies. The need to differentiate between traders and investors in financial writing is extremely important in order to receive more accurate advice.
*Christian Financial Perspectives Episode 179*
_About Christian Financial Perspectives_
Christian Financial Perspectives covers everything from “Investing in stocks, mutual funds and ETF’s” to “Planning for Retirement” to “Buying Investment Real Estate” to “Creating a Family Legacy” from a Biblical Worldview. The Bible has over 2000 scriptures that speak wisdom into how Christians can successfully structure their finances for a victorious life that honors God. Most people do not realize that Jesus spoke more about stewardship than Heaven and Hell combined.
_About Christian Financial Advisors®_
Christian Financial Advisors® is headquartered in Central Texas and serves clients nationwide with offices in New Braunfels and Boerne, Texas. Our focus is guiding you toward your financial goals by integrating values based advice into financial planning, retirement planning and investment management.
*» Facebook* | https://www.facebook.com/HelloCFAdvisors/
*» Twitter* | @HelloCFAdvisors (https://twitter.com/HelloCFAdvisors)
*» Instagram | @hellocfadvisors* (https://www.instagram.com/hellocfadvisors)
*» Podcast Website* | https://www.christianfinancialpodcast.com
*» Podcast Version of Videos* | https://open.spotify.com/show/74Rg1ho1LOG2YbC3j5D7B5
https://itunes.apple.com/us/podcast/christian-financial-perspectives/id1437191508?mt=2&ls=1#episodeGuid=https%3A%2F%2Fwww.christianfinancialpodcast.com%2F%3Fp%3D3319
https://podcasts.google.com/feed/aHR0cHM6Ly93d3cuY2hyaXN0aWFuZmluYW5jaWFscG9kY2FzdC5jb20vZmVlZC9wb2RjYXN0Lw?sa=X&ved=0CAMQ4aUDahgKEwiAw_bDpKX2AhUAAAAAHQAAAAAQnAE
https://music.amazon.com/podcasts/7cb016df-18d2-47a4-ba8e-955b4ccb12d4/christian-financial-perspectives
_* Investment advisory services offered through Christian Investment Advisors Inc dba Christian Financial Advisors, a registered investment advisor registered with the SEC. Registration as an investment advisor does not imply a certain level of skill or training. Comments from today’s show are for informational purposes only and not to be considered investment advice or recommendations to buy or sell any company that may have been mentioned or discussed. The opinions expressed are solely those of the hosts, Bob Barber and Shawn Peters, and their guests. Bob and Shawn do not provide tax advice and encourage you to seek guidance from a tax professional. While Christian Financial Advisors believes the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability._