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

07/09/2026

Thankful Thursday for another 5-Star Client Review! I'm super privileged to get to work with some awesome people 😊

07/07/2026

The price tag of new purchases is rarely the full cost 👇

Buy a more expensive home? That typically means not just a higher mortgage payment, but higher property taxes, insurance, and maintenance costs over time.

Buy a new iPhone? That's more precious, finite time spent on switching everything over, re-logging into all your Apps, and not to mention switching costs on the phone (new screen protector, phone case, new chargers) and potentially higher ongoing insurance costs.

Buy expensive jewelry? That's higher ongoing insurance costs, and maybe more expensive maintenance and repairs.

Boats, 2nd homes, expensive cars, new technology, you name it — the cost of having more is not just the price tag, but the extra ongoing time, money, and energy spent figuring out how the new purchases work, repairs, maintenance, insurance, storage, moving, cleaning, upgrading, moving, or worrying.

The cost of discontentment is a high one!

06/30/2026

What is 𝘽𝙞𝙗𝙡𝙞𝙘𝙖𝙡𝙡𝙮 𝙍𝙚𝙨𝙥𝙤𝙣𝙨𝙞𝙗𝙡𝙚 𝙄𝙣𝙫𝙚𝙨𝙩𝙞𝙣𝙜 ("BRI")? 👇

BRI is a paradigm shift about how to invest.

It's first question has nothing to do with returns, but rather what type of work is being supported with invested dollars. Let's break down what investing 𝐀𝐂𝐓𝐔𝐀𝐋𝐋𝐘 𝐈𝐒 👇

When you invest [in stock], you become a part-𝐎𝐖𝐍𝐄𝐑 of a real business. And a business is simply the fruit of people's 𝐖𝐎𝐑𝐊. So in reality — 𝙞𝙣𝙫𝙚𝙨𝙩𝙞𝙣𝙜 𝙞𝙨 𝙤𝙬𝙣𝙚𝙧𝙨𝙝𝙞𝙥 𝙤𝙛 𝑾𝑶𝑹𝑲.

And work deeply matters to God, so it should matter to us as His followers.

Which leads to the ultimate question: "What kind of 𝐖𝐎𝐑𝐊 do you want your investments to support?"

That's all the food for thought I have for you today — if you want to dive deeper into BRI in the coming months, I'll be doing a multi-part series on it to all my email subscribers. Jump on the train if you like by heading over to: https://www.truerichesfp.com/resources and hit the "Subscribe to Emails" button!

06/26/2026

Diversification in action here 👇

One of the hardest parts of diversification means always having to say you're sorry for owning investments that weren't the top performer.

But HEY! this hypothetical diversified portfolio (70% stock | 30% bond) is up over 14% over the last ~1 year!

Yeah all your money didn't get 39% being in emerging markets, but you also didn't lose 46% by having all your money in Bitcoin either! Never make a killing, never get killed. That's the steady path to wealth creation over time.

Wealth Advisors: Please don't come at me for the funds charted out here -- not the point of this post.

DISCLAIMER: Past performance not indicative of future results. Chart obtained from Morningstar. Performance shown without Dividends Reinvested. 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.

06/17/2026

Here's a fun business tactic the wealth management industry uses 👉 make it as difficult as possible to get your money off their platform.

It's 2026 and institutions like Empower, TIAA, and more make you click into the hidden abyss of their website to try and locate a PDF form you have to print out, fill out by hand, and physically sign before they send you a physical check by snail mail.

I get that we want to protect the consumer from taking money out of retirement accounts, but this seems to be area of intentional non-adoption of easily-available-technology that the rest of their business model uses, just to deter customers from moving their money off their platform.

06/15/2026

The surprising truth about money nobody talks about 👇

Money will often 𝐄𝐗𝐏𝐎𝐒𝐄 your insecurities rather than rid you of them.

Do you have anxiety? It's likely money will expose that anxiety without a proper heart posture towards money.

Do you struggle with self-worth? Money will expose that very quickly.

In 1 Timothy 6, Paul says that "wealth...is so uncertain" and therefore begs us not to put our hope in wealth, but in God, who richly provides us with everything for our enjoyment.

Without 𝐅𝐈𝐑𝐒𝐓 placing our hope, security, and trust in God, you might be surprised to find out that more money will give you the exact opposite effect of what your true self longs for.

06/04/2026

Financial dysfunction or blind-spots are much easier to spot in others relative to ourselves

Which is why I believe it's 𝐏𝐀𝐑𝐀𝐌𝐎𝐔𝐍𝐓 to have open-money conversations with people who are 𝐑𝐄𝐌𝐎𝐕𝐄𝐃 from your direct household. It doesn't have to be a paid-advisor relationship, but it needs to be someone you trust and can provide an independent, emotionally-removed perspective.

The concept of accountability has gotten thrown out the window in America's individualistic culture, and it's quietly killing us.

Get some trusted people (or a trusted Advisor) in your corner and start having open, loving, deep, and accountable money conversations!

06/01/2026

Three financial planning strategies that are 𝐎𝐕𝐄𝐑𝐇𝐘𝐏𝐄𝐃 👇

1) Roth conversions [converting in the 35% bracket on a market dip? Overhyped for most households]

2) Direct-indexing [much narrower set of actual value-add use-cases than is actually pitched - without consistent savings into DI strategies and/or strong charitable intent, the cost basis will get whittled down to peanuts over time]

3) Trump Accounts [for MOST families, the 529 and/or UTMA or a separate Brokerage Account tend to be more effective and simpler]

Notice I'm not saying these 3 things don't have value, I'm simply saying they are often overhyped, especially on social media and prospect-pitches

05/28/2026

The role of a financial advisor has drastically changed over the years.

What used to be a role solely focused on placing individual stock trades and providing investment advice has evolved far beyond that — yet many consumers are still just paying 1% per year for generic "investment management".

And while that 𝐈𝐒 still a part of the financial advisor role, it should go so much deeper than that. The 𝐅𝐔𝐋𝐋 𝐏𝐈𝐂𝐓𝐔𝐑𝐄 and how everything integrates together is what truly matters and where real value is had.

Not pictured: all the qualitative and behavioral ways a financial planner should help their clients.

05/27/2026

"What fund or stock should I buy?" is the wrong first question when it comes to investing.

Investing should follow some sort of "framework" before any discussion of individual "strategy".

And while the specific "funds" like mutual funds or ETF's are important, they have to be put in their proper place (and order). The majority of returns will come from your Asset Allocation (Mix and Proportion of Your Various Types of Investments) and Asset Location (Which Investments Live in Which Account-Type such as Roth, Traditional 401k, or Brokerage).

Don't let the "Fund" tail wag the "Life Plan" Dog — it's a recipe for misalignment and potential disaster.

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Denver, CO
80238

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https://truerichesfp.com/

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