Most of our services are provided without cost or expectation. Our estate planning services are largely provided free of charge. Our investment management and financial planning services are charged at a minimal fee.

We do pass along some expenses to providing estate planning and investment management services. As we work with a local attorney for estate planning matters, that attorney will charge a fee for his or her work in reviewing and approving the documents. This fee is negotiable with the local attorney and will vary depending on where you are located. Additionally, trading fees incurred through investment management are borne by the client.

If we are invited to your local assembly for a seminar or other presentation, there will be no fee asked or expected. We do have a strict non-solicitation policy.

We are dependent on the Lord working through His people to keep this ministry going. The Lord is faithful and has always provided our need. Many of our clients either send us gifts directly or include Believers Stewardship Services as part of their estate plan.

A Will, often called a Last Will and Testament, is a set of instructions to a probate court that will guide the court in the appointment of an executor and final distribution of your possessions. It will also include the appointment of a guardian of minor children, if that is needed. This document is only effective upon your death and can be changed at any time prior to that.

A Living Will is a set of instructions to the doctors, nurses or other medical personnel that are caring for you. This document deals only with “end-of-life” situations: terminal illness, persistent vegitative coma or some similar situation. It deals with what type of treatment you would like to receive and how you would like to be cared for in your dying days.

A Living Trust is a set of instructions you provide to a Trustee to handle your affairs. This document is effective as soon as you sign it. It is a means to avoid many of the problems with probate while accomplishing a smooth distribtution of your assets upon your death or management of your affairs during times when you are unable to participate in that management.

There are a few issues to consider here. By leaving money to the Lord’s work, you’re showing what is really important to you. Of course, you want to provide for your children, to not do so would make you worse than the heathen (1 Timothy 5:8). However, remembering some aspect of the Lord’s work in your estate is an important part in leaving a legacy for your children to follow.

Second, you cannot be sure that your children will make the gifts in the manner and to the organizations that you would most like to see supported. The way to be sure is to make the gift yourself and then leave an amount to your children that would be a blessing to them. They still have the opportunity to make gifts as the Lord leads them and as they have seen through your example.

Third, if you have a taxable estate, charitable giving is a good way to reduce the potential tax. While your children would receive a charitable deduction if they itemize, your estate would only get the benefit if the estate makes the gift.

Finally, you can utilize a donor advised fund to accomplish the best of both worlds. Your estate would get a charitable deduction and your children could be named as the advisor on the fund to recommend gifts to charitable organizations. This option would still give them the joy of making gifts while assuring you that the Lord’s work will be benefited.