Nick Ellison - Stewardship Advisory Group, LLC

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Nick Ellison - Stewardship Advisory Group, LLC Helping Christian Families and Business Owners Steward the Resources God Has Entrusted to Them | CFP® Professional | CKA® | Liberty University

Stewardship Advisory Group, LLC offers investment advisory services through OneAscent Financial Services, LLC (“OAFS”), an investment adviser registered with the United States Securities and Exchange Commission. OAFS may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. This social media page is limited to the dissemination of general information pertaining to its investment advisory services. Accordingly, publication of this social media page on the internet should not be construed by any consumer and/or prospective client as OAFS’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the internet. Any subsequent, direct communication by OAFS with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.

10/22/2026

If your kids could inherit only one thing from you, and it couldn’t be money, what would you want it to be?

Most estate plans spell out who gets the house and the investment accounts. They say nothing about the faith you lived out or how you made it through your hardest seasons. They don’t record what you believed was worth sacrificing for, or the wisdom you’d want your grandchildren to have. Unless someone writes those things down, they’re easily lost.

That’s the idea behind a legacy letter. You write to your family about your values and the stories behind them, and keep it alongside your estate documents. It needs no attorney and costs nothing.

Psalm 78:4 describes this kind of handoff: “We will tell the next generation the praiseworthy deeds of the LORD.” (NIV)

Write about the time God was most faithful to you, and why you made the hard decisions you made. Leave nothing unsaid. Your family will be reading it long after the accounts are spent.

What’s one story you’d want in yours?

This information is for education and illustrative purposes only and should not be constituted as personal advice. Please consult your tax and legal professional before doing anything or making any changes to your current financial situation

10/21/2026

“Shirtsleeves to shirtsleeves in three generations.”

One generation builds the wealth, and by the third it’s gone. Most people blame bad markets or bad advice. In my experience, the trouble usually starts with a misunderstanding inside the family.

Your heirs already have an idea of what they’ll receive. Your documents may say something very different. Maybe the business goes to the child who works in it, or part of your estate goes to your church. When that surprise comes after you’re gone, your family is left guessing at your reasons and it usually creates conflict or resentment.

That’s why I encourage clients to hold a family meeting while they’re still here. Walk your heirs through what you decided and why. You can keep the dollar figures private. The goal is that nobody hears about a major decision for the first time in an attorney’s office.

Have your heirs heard your plan from you yet? If you’d like help planning that conversation, send me a message.

This information is for education and illustrative purposes only and should not be constituted as personal advice. Please consult your tax and legal professional before doing anything or making any changes to your current financial situation

10/20/2026

This is the one week a year the entire estate planning industry stops and asks the same question. Does your family have a plan?

It’s National Estate Planning Awareness Week. About 70% of American adults die without a will. This is the perfect time to make sure you won’t be part of that statistic.
We’ve spent the month walking through why that happens, what probate costs a family in time and money, the documents that do far more than a will ever could on its own, and why a trust can transfer assets perfectly and still fail the people receiving them. If you haven’t seen my recent posts, I encourage you to go back on my profile and read them.

Estate planning is not about expecting the worst. It’s about making sure the people you love aren’t left guessing, waiting on a court, or fighting over decisions you could have made for them years in advance.

If you’ve been meaning to get this done and just haven’t yet, this is the week to take action. If you do have documents in place but haven’t reviewed them to make sure they’re up to date, this is a great time to do that too.

Send me a message and let’s talk through where your own plan stands. We can create actionable steps to complete or update your foundational estate planning documents.

This information is for education and illustrative purposes only and should not be constituted as personal advice. Please consult your tax and legal professional before doing anything or making any changes to your current financial situation

10/15/2026

A Trust can transfer your assets perfectly and still fail to accomplish your goals for your family.

Estate planning gets treated as a legal exercise. Documents, signatures, beneficiary forms. All of which is completely necessary. However, this process often does not prepare the people receiving your assets to steward them well.

So how do you prepare the next steward? Usually, it starts by talking openly about what you value and why. Allow your kids to see how you make financial decisions, not just what you decided. Giving them small responsibilities with money while you’re still around to guide them through mistakes can make a greater impact than the wealth you leave when you pass.

Families who do this well aren’t just passing down assets. They’re passing down wisdom, values, and the character required to use them well.

Have you had these conversations with the people who will one day steward what you’ve built?

This information is for education and illustrative purposes only and should not be constituted as personal advice. Please consult your tax and legal professional before doing anything or making any changes to your current financial situation

10/14/2026

There’s a way to measure whether your estate plan actually worked, and it has nothing to do with dollars.

I call it the 3 hugs.

The first hug happens the moment you meet your Heavenly Father face to face. Did you hear “well done, good and faithful servant,” knowing you stewarded what He gave you the way He asked?

The second hug happens when you’re reunited in heaven with the people whose lives you impacted while you were here, whether you knew them personally or your generosity contributed to Kingdom impact in their life.

The third hug is the one most people never think to plan for. Six months after you’re gone, is your family still going to be hugging each other? Or will they be in a courtroom, not speaking, fighting over what you left behind?

Most people intentionally try to address the first two hugs through how they live. The third hug is also one you can plan for, and it’s often the one that determines whether your legacy was a gift or a burden. Did you align your family’s expectations with what your documents actually say? Did you discuss your values and the non financial wisdom you hope will be an even greater legacy in your loved ones’ lives?

Which of these will you intentionally address through the end of the year?

This information is for education and illustrative purposes only and should not be constituted as personal advice. Please consult your tax and legal professional before doing anything or making any changes to your current financial situation

10/13/2026

If you think a Will is a sufficient estate plan, you’re probably missing key documents.

Unfortunately, many people think that getting a simple Will online means they have completed their plan. This can lead to pretty considerable gaps that could affect you and your family. Check out a few of the common documents that many include in their estate plan below:

Will: Allows you to name who you want assets to go to, who becomes guardian over minor children, among other decisions you have made for after you die. This does not keep your estate out of Probate, but does allow some control of your wishes rather than letting a court decide.

Revocable Living Trust: Allows you to completely avoid Probate (as long as the Trust is funded). Decide who will receive any inheritance, when, and in what manner it is to be received. Have customization of controls or safeguards around the assets for protection for your heirs.

Financial Durable Power of Attorney: The document that lets someone pay your bills and manage your accounts if you become incapacitated (not when you die!). There are many other powers your Financial POA can have but we can cover that separately.

Healthcare Power of Attorney: Names who gets to make medical decisions on your behalf if you are incapacitated.

Living Will: Your own wishes for end of life care, written down, so your healthcare power of attorney isn’t guessing under pressure.

HIPAA Authorization: Gives your chosen people the legal right to access your medical records and speak directly with your doctors about your care, separate from who’s allowed to make decisions.

If you can only check off the first document on this list, you likely don’t have a comprehensive estate plan. Let’s have a conversation to make sure you have a good plan in place.

This information is for education and illustrative purposes only and should not be constituted as personal advice. Please consult your tax and legal professional before doing anything or making any changes to your current financial situation

10/08/2026

“Nick, I have a Will that names who my assets should go to. I don’t need to worry about probate.”

Having a simple Will is a one way ticket to the probate process. Probate is the court supervised process your estate goes through if you don’t have a plan in place to avoid it.

The common pitfalls of probate include cost, time, privacy, and stress.

It typically costs 3% to 8% of the total estate value and takes anywhere from 6 months to 2 years to complete, sometimes longer. Probate is also public record. Anyone can look up what you owned and who received it. There’s no privacy in the process, even for families who never wanted their finances made public.

It also freezes things. Beneficiaries typically don’t receive anything until the court finishes its work, which means they can be waiting months, sometimes years, for access to assets they may need immediately.

The good news is that probate is completely optional on the assets that matter most to you. Certain accounts and structures, like a properly funded trust or accounts with named beneficiaries, can bypass probate entirely. Planning now can save your family the stress, delays, and potentially tens of thousands of dollars in costs that the probate process would otherwise take from your beneficiaries.

10/06/2026

It is estimated that about 70% of adults in this country will die without a Will.

No plan for who inherits what. No say on who raises their kids if something happens to both parents. Nothing.

The most common reason I hear for putting it off is some version of “I don’t have enough to need one.” Estate planning gets treated like a luxury reserved for people with significant wealth, when it actually has very little to do with how much you own.

An estate plan answers questions that matter regardless of your net worth. Who makes medical decisions for you if you can’t make them yourself? Who raises your kids if something happens to both parents? Who has the legal authority to manage your finances if you’re incapacitated? Who gets your assets, and when, after you die? None of that requires a large estate. It just requires being a person other people depend on.

Without these documents in place, those decisions don’t disappear, they just get made by a court, on a timeline and in a way you didn’t choose.

This month, we’re going to walk through what the estate planning process involves, starting with one of the most misunderstood pieces, probate.

10/01/2026

This one budget tip made our budget fun again.

When my wife and I got married, we started a budget together. Within the first month, she came to me in tears about spending $30 on clothes without us discussing it, this while I was mid-game with a $60 purchase we hadn’t discussed either. It was clear we needed better guidelines. That’s what led us to add a line item called fun money. It’s a set amount each month we’re each allowed to spend on whatever we want or save toward something bigger. No questions asked, no guilt attached, as long as it aligns with our family values.

This small tweak lets us enjoy the things we want, or build toward larger personal purchases, without feeling any pressure to check in with each other first. It’s how I slowly built my home gym, and how my wife built her garden bed.

We’re not spending more. We’re just being intentional about how we spend.

We just spent a month on life insurance as protection. This revolved around replacing income, covering debt, and taking ...
09/29/2026

We just spent a month on life insurance as protection. This revolved around replacing income, covering debt, and taking care of the people who depend on you.

There’s another use for it that gets far less attention. Life insurance can also be one of the most efficient tools for transferring wealth to the next generation.

The death benefit itself is almost always free of income tax to whoever receives it. Whether it’s also free of estate tax depends entirely on who owns the policy. If you personally own it at your death, it can still be pulled into your taxable estate. If it’s owned through a trust set up specifically for this purpose, it can pass to your heirs outside of both income tax and estate tax entirely.

This only matters for larger estates at this time, but for families that are dealing with estate tax implications, the ownership structure can be the difference between a policy that transfers wealth efficiently and one that adds to an estate tax bill.

Next month, we’re going to spend some time on estate planning. This is where the two overlap and life insurance can be an effective wealth transfer tool.

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