Investment Advisor for Non-Profits, Churches and Faith-Based Organizations

As leaders of a church or faith-based non-profit, you are stewards of resources given to advance a Kingdom mission. But managing those assets—from endowments and building funds to long-term reserves—comes with unique and complex challenges.

Too often, a "slow as molasses" committee, unclear goals, or high, hidden fees can quietly erode your organization's ability to serve.

At Capital Stewards, we serve as a fiduciary investment advisor for churches and faith-based non-profits in Huntsville and nationwide. We provide the expert guidance and Biblical stewardship framework you need to overcome common hurdles, grow your mission, and honor the trust your supporters have placed in you.

Here is how we help solve the most common investing challenges faith-based organizations face.

From Committee Paralysis to Purposeful Governance

The Challenge: Often, an investment committee is simply a group of well-intentioned board members without a formal process. This leads to frustration, inefficiency, and worst of all, indecision when consensus can't be reached.

Our Solution: We help you implement a sound governance structure and proven committee processes. By establishing a clear framework for making investment decisions, we empower your leaders to be purposeful and efficient, turning gridlock into confident action.

Developing a Durable Investment Policy Statement (IPS)

The Challenge: Your team excels at planning for your mission, but the investment plan is often an afterthought. Without a well-documented policy, your strategy is vulnerable to market panic and lacks continuity as board members change.

Our Solution: An Investment Policy Statement (IPS) is the constitution for your organization's assets. We guide your committee through the process of creating a durable IPS that establishes clear objectives and plans that extend beyond any one person. This document provides the confidence to stick with your program in difficult circumstances and ensures a legacy of strong stewardship.

Clear Focus on Asset Allocation

The Challenge: An organization's asset allocation—the mix of stocks, bonds, and other assets—determines more than 90% of investment results. Yet, many organizations either don't have an intentional allocation, or the one they have doesn't align with their long-term goals.

Our Solution: Getting this right is the most important investment decision your committee will make. We partner with your team to define your organization's specific goals, time horizon, and risk tolerance. We then build a diversified portfolio that directly aligns with those objectives, creating an objective roadmap, not a "hopeful" plan.

Our Fee-Only Promise: Ending High Fees & Hidden Agendas

The Challenge: We often see non-profit portfolios that cost 2% or more when all fees are considered. Those high fees are a direct drain on your mission, adding up to hundreds of thousands of dollars over time. That's programs that don't happen and staff that are not hired—all because of unclear and excessive fees.

Our Solution: As a fee-only fiduciary, we never accept commissions or third-party payments. Our fee structure is 100% transparent. We believe core investments should be low-cost, and our total investment advisory fee is designed to be fair and clear for non-profits. This ensures that the maximum amount of your resources can go toward fulfilling your mission.

Transparent Performance Tracking & Accountability

The Challenge: Many organizations don't know how their results compare to the appropriate benchmarks. You can't know if you are receiving value for your management fees if performance isn't being properly tracked.

Our Solution: We provide clear, regular reporting that shows you exactly how your portfolio is performing against established benchmarks. We believe in total accountability. You and your committee will always know how your assets are performing, allowing you to confidently report back to your board and supporters.

Partner with an Investment Advisor Who Shares Your Values

Your mission is too important to be hindered by complex fees or unclear strategies. As a faith-based investment manager grounded in Biblical stewardship, we are ready to partner with your board to create an investment plan that honors your calling.