True Riches Financial Planning

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True Riches Financial Planning

Financial planning, investments, and tax return preparation for $250k+ earning Christian families — all for one transparent flat fee

09/01/2026

6 basic digital security measures every American adult should have in place 👇

A VPN, a credit freeze at all three bureaus, a password manager, authenticator-app 2FA, real-time card alerts, and how to spot phishing. Read more on each at my latest blog post:

https://vist.ly/5gv7n

08/27/2026

"Simple, boring finances support a rich, exciting life"

🎤👇

08/25/2026

More information probably won't improve your financial health.

For MOST people, they know the basics of what they should do - spend less than they earn, don't take on bad debt, and invest for the future.

It's just like most people KNOW they should eat healthier, drink less caffeine/alcohol, sleep more, and exercise more. But if you look at the stats, PEOPLE AREN'T DOING IT.

More information is a good starting point, but it won't get you to where you want to be. You need a REAL PLAN with REAL VISION of what you want for your life - without it, behavior change is going to be really difficult, and you'll find yourself stuck in the same patterns year over year.

08/18/2026

Jesus rarely prescribed what we 𝐒𝐇𝐎𝐔𝐋𝐃 do with money. But Matthew 6:19-21 is one of the few places He gives us an 𝐀𝐂𝐓𝐔𝐀𝐋 𝐏𝐑𝐄𝐒𝐂𝐑𝐈𝐏𝐓𝐈𝐎𝐍 for what we should do [also see Luke 16:9].

In Matthew 6, He tells us to actually 𝐒𝐓𝐎𝐑𝐄 𝐔𝐏 𝐓𝐑𝐄𝐀𝐒𝐔𝐑𝐄𝐒. But where should we store them up? Check out my latest blog for more insight:

https://vist.ly/5f99b

08/13/2026

I recently met with a prospect who had been making traditional IRA contributions for years, thinking they were deductible when really they weren't.

A traditional IRA can be a great way to save for retirement with tax-deferred growth, but determining whether your contributions are deductible isn’t always straightforward. Several factors, including income limits and employer plan coverage, come into play.

For those wanting to better understand the rules, here's a downloadable flowchart covering some of the key considerations, such as:

○ Earned income requirements
○ Coverage under an employer plan
○ Impact of other (Roth) IRA contributions
○ MAGI thresholds based on filing status

08/11/2026

How to Open a Trump Account: Step-by-Step Guide

I've noticed some subtle nuances with opening Trump Accounts within the Advisor community-forums, so I thought I'd take the liberty of putting together a visually-friendly, step-by-step guide to opening a Trump Account if you have a minor child of which you are the parent or legal guardian for.

You can view the Step-by-Step Guide to Opening a Trump Account here: https://trueriches-my.sharepoint.com/:b:/g/personal/zack_truerichesfp_com/IQCfliOilE-mTqnlO2MqsmdCAdeK0cVQQiqJcH6UiOh91kw

DISCLAIMER: These posts are intended to serve solely as general financial education and not personalized advice. Before considering acting on anything you see in these posts, first consult with your tax, legal or investment advisor.

08/06/2026

If you’ve been thinking about using the equity in your home for a renovation, large purchase, or to help with debt, you’re not alone.

Your home can be a valuable tool to support your broader financial goals, but it’s important to understand the options available. To help, here's a summary guide that walks through three common ways to access home equity:

👉A Home Equity Line of Credit (HELOC)
👉A Home Equity Loan
👉A Cash-Out Refinance

It also highlights how they differ in terms of repayment structure, interest rates, loan terms, closing costs, and borrowing limits.

08/04/2026

Families with more money than they'll ever realistically need to support their core lifestyle expenses have a challenging truth to face 👇

𝙄𝙛 𝙮𝙤𝙪 𝙙𝙤𝙣'𝙩 𝙨𝙩𝙖𝙧𝙩 𝙥𝙪𝙨𝙝𝙞𝙣𝙜 𝙩𝙝𝙚 𝙜𝙖𝙨 𝙥𝙚𝙙𝙖𝙡 𝙤𝙣 𝙧𝙚𝙡𝙚𝙖𝙨𝙞𝙣𝙜 𝙩𝙝𝙚 𝙢𝙤𝙣𝙚𝙮 𝙛𝙧𝙤𝙢 𝙮𝙤𝙪𝙧 𝙖𝙘𝙘𝙤𝙪𝙣𝙩𝙨, 𝙨𝙤𝙢𝙚𝙗𝙤𝙙𝙮 𝙚𝙡𝙨𝙚 𝙬𝙞𝙡𝙡.

And you might not be glad with where the money goes after you're gone.

It might be the government taking it in the form of estate taxes, your kids inheriting way too much money for their own good, planting a large tax bill on your heirs, and the list goes on.

While most people spend their whole life trying to simply build 'enough' wealth to provide for their own needs, some folks, through luck, skill, or everything in between, face a different form of "challenge" with their wealth.

If you haven't answered the question: "What is this all for anyways?" then surrounded that WHY with purpose, systems, strategies, and kind accountability, the pursuit of wealth is effectively a chasing after the wind.

07/30/2026

Many parents want to start setting money aside for their children, but they’re often unsure about where they should actually save the money.

There are several options available. Some accounts remain in the parents’ names and can be gifted later, offering flexibility. Others involve irrevocable gifts that permanently belong to the child. Some strategies provide tax advantages, while others prioritize control or simplicity.

To help support these conversations, I’ve put together 𝐭̲𝐡̲𝐢̲𝐬̲ ̲𝐝̲𝐨̲𝐰̲𝐧̲𝐥̲𝐨̲𝐚̲𝐝̲𝐚̲𝐛̲𝐥̲𝐞̲ ̲𝐠̲𝐮̲𝐢̲𝐝̲𝐞̲ that walks through several common ways parents save for children, highlighting the pros and cons of each option and why someone might consider one strategy over another. ENJOY!

07/28/2026

I'm excited to have recently joined the growing movement of Finish Line Advisors!

Finish Line Advisors are simply Christian Financial Advisors that have taken the pledge to set their own financial finish line by setting a cap on their annual spending (and for me, net worth) and transparently sharing that within a trusted community of fellow advisors doing their best to implement the very framework we advise clients to do.

A big shoutout to Cody and Kealan Hobelmann for their hard work and faithfulness in creating these free resources for those wanting to explore a practical framework that carries strong biblical foundation — check out their thoughtful and data-driven finish line calculator at:

https://www.finishlinepledge.com/calculator/

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2373 Central Park Boulevard Unit 100
Denver, CO
80238

Website

https://truerichesfp.com/

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