Update:Pilgrims Capital Advisors and Stewardship Advisory Group Michigan merged together on June 30th, 2023, to form Stewardship Trust Advisors. This site is under construction and will continue to be updated. For any questions, please call 616-878-4200.
WHAT’S THE NEXT MOVE WITH YOUR INVESTMENT PLAN?
Continue venturing on your current path?
Risk staying put hoping market conditions won't change?
Or will uncertainty prompt you to seek out a fresh perspective?
Why Choose a Certified Kingdom Advisor®? Because a Certified Kingdom Advisor® has been trained and has committed to be a person of character who, from a biblical worldview, serves you with biblical financial advice on how to best meet the goals God has given you in being a steward of the finances that he has entrusted to you.
Certified Kingdom Advisor® is a designation granted by Kingdom Advisors®, Inc. to individuals who have demonstrated themselves to be:
Believers in Jesus Christ by pledging agreement with the Kingdom Advisors® statement of faith and providing a personal testimony of accepting Jesus Christ as their Lord and Savior.
Able to apply biblical wisdom in counsel by participating in the Certified Kingdom Advisor® Educational Program, as well as ongoing training offerings, and committing to incorporate biblical principles in their financial advice.
Technically competent by providing evidence of an approved professional designation (varying by discipline) or having at least 10 years full-time experience in their discipline.
Ethical and of integrity by agreeing to espouse and practice the Kingdom Advisors® Code of Ethics and maintain active local church involvement, as well as providing pastoral and client letters of reference.
Biblical stewards by pledging that they practice biblical stewardship in their personal and professional life and give regularly in proportion to their income.
As a Registered Investment Advisor (RIA), STA is free to structure a completely objective investment portfolio using ETFs, Mutual Funds, or individual securities such as stocks and bonds.
Objectivity: As an RIA firm, our only loyalty is to our clients. We do not have sales quotas or pressure to push proprietary products for any fund company or bank. Fee-Only: We don’t charge commissions, sales charges or have hidden fees. We charge either by the hour, a flat fee or as a percentage of the assets managed. Transparency: STA utilizes independent custodians as third parties to custody all client assets providing accountability and openness.
The Stewardship Trust Advisor team has a combined 90+ years offering investment planning advice and as a combined team hold the following certifications: CFP®, CIMA®, AIFA®, AIF®, CKA®, CEPA®, CRCP®, AWMA®.
History: Prior to STA, our team has worked for insurance companies, brokerage firms, banks and have been small business owners. Diversification: We can help you if you are seeking a financial plan, income or growth portfolios, asset allocation models or as a 3(21) or 3(38) for your retirement plan. Clients: Our clients consist of individuals, families, trusts, foundations, businesses and corporate retirement plans.
As an independent RIA firm, client relationships are fiduciary relationships with advice that is always and exclusively in our clients’ highest financial interests.
AIFA®: As an Accredited Investment Fiduciary Analyst, we hold ourselves accountable to the industry’s highest standard. Suitable vs. Fiduciary advice: Brokers’ suitable advice is similar to a car salesperson and is influenced by other interests. They can recommend securities that profit them more or help them meet sales quotas without disclosing the conflicting incentive. Fiduciary Advice: Fiduciary advice cannot have any interest other than that of the client’s and must be given with skill, prudence and diligence.
As a Baby Boomer with a seasoned perspective, you know a thing or two about what you want out of life during your career as well as onward into retirement. But for all your knowledge, you may be unsure of just where you stand or what it will take you to get where you want to go. As do all Baby Boomers, you need sound answers to your questions of uncertainty, such as:
Are my current investments top-tier or even suitable?
When can I retire and will I have enough to last through retirement?
How much risk should I or do I have to take?
Whether you’re 15 years from retirement or currently retired, these questions need clear answers with reasonable expectations.
Employer-Sponsored Retirement Plans
As the named fiduciary on your company’s employer-sponsored retirement plan, you know the DOL has increased their attention on your role as the ERISA fiduciary and introduced several new fee disclosure requirements. Few plan sponsors understand what ERISA demands of them in general, let alone the demands imposed by the new requirements or the many other complex areas of plan administration. Plan sponsors' most common areas of dissatisfaction with existing plans and service providers are:
Gaps in investment menu
Poor investment performance
Team turnover and infrequent interaction with current advisor
Recurring service issues
Out-of-date plan provisions
Lack of low-cost ETFs or market index funds
The legal responsibilities and accountabilities placed on the retirement plan fiduciary have never been greater and relying on your current provider or advisor to assume your fiduciary role is imprudent. As an independent RIA firm, STA can take on some or all of the potential plan fiduciary liability as a 3(21) or 3(38) investment advisor. We also offer unbiased fund lineup selection from a platform with more than 13,000 Mutual Funds and ETFs and can be bundled with a full service TPA/custodian.
Retirees or Income Seekers
While you were working, your employment income met your day-to-day living expenses but now that you are retired or on a fixed income, your portfolio needs to generate income to meet some or most of your living expenses. Portfolio income, preservation and stability have now become top priorities. Some common questions are:
With the rising cost of living and low interest rates, how will my portfolio generate enough income?
How long will my money last?
What should my allocation be to stocks, bonds, cash or CDs, and precious metals?
How much risk do I take without exposing my nest egg to a lot of volatility?
As an experienced investor, you know market and economic downturns can be disparaging. At STA, we help our clients strike the right balance between risk and income needs by listening to their objectives and structuring investment allocations for broad, diversified income.
As generations Y and X, you are in the accumulation phase of your life and time is on your side. These are the years focused on earning and advancement but are also among the busiest years of your life both at work and at home. During these years, it can be tempting to overlook your financial future; however, these years are critical in achieving your long term success. You may be asking yourself:
How much should I be contributing to my 401(k), 403(b), IRA or Roth?
Should I leave a balance in my previous employer’s retirement plan or roll it over?
Should I save for my children’s education and what is the best way?
How do I balance short and long-term goals while minimizing debt?
You’ve got decades of working years ahead of you. Allow us to help you lay a firm foundation, which is critical to achieve your long term goals and to avoid common mistakes.
We will use tools including questionnaires and specialized financial data gathering software to build our understanding of the following topics along with getting to know you and answering any other questions or concerns you may have.
Familiarity with investing
Experience with previous advisors, plan providers and custodians.
Tolerance for risk
Moral or social investing preferences
Expectations for performance, service and communications.
Understanding of markets, mutual funds and ETFs
We’ll also make you fully aware of our capabilities and experience and provide educational support to assist you in understanding the scope of services we offer to help you meet your objectives and the fees associated with our services such as:
Financial Planning - planning for your future needs
Asset Management - taking care of your nest egg
Investment Advisor Responsibilities - looking out for your financial best interests
Estate Planning - transferring your wealth
Retirement Plan Management - supporting the sponsor and your participants
Insurance and Taxes - minimizing your tax burden
Design - A Plan for You.
Next, we gather and analyze the information you’ve shared with us and design solutions intended to help you reach your objectives. This step may involve collaboration with other specialists or your existing professionals. We present our recommendations to you, answer your questions, consider alternatives and outline the steps we need to take to implement your plan such as:
Select asset classes, investments and allocations corresponding to your time horizon, risk and return objectives
Review fees associated with our services, custodians and investments.
Create an Investment Policy Statement (IPS) to serve as a blueprint defining all aspects of your plan including allocations, expectations, risk parameters, performance monitoring and all other aspects associated with managing your plan.
Implement - Time to Execute the Plan.
Once we have a mutually agreed upon overall strategy for your plan and you concur, we will execute your customized strategy. This involves the selection of specific account types, investment products and the completion of all necessary documentation such as:
Custodian / TPA choice
Transfers or Rollovers
User IDs and Passwords
Distributions and Deposits
Online Access and Navigation
Enrollments: Online or Meetings
Monitor - Keeping an Eye on Your Plan.
Once implemented, we will continually monitor the progress of our recommendations relative to the defined objectives in your IPS. Keeping an eye on each investments’ performance, fees and management is too often overlooked and we believe this is the most important aspect of our service to you. We accomplish this by:
Reviewing investment performance against the appropriate indexes, peer groups and your IPS.
Reviewing statements to ensure the accuracy of deposits, fees and balances.
Meeting with you to make sure you understand all aspects of our relationship.
Provide education on market trends and economic updates.
Ensure we are meeting all your expectations for the fees you pay for our services.