Helping you build financial freedom. | Paid off $105K in 5 years. | Let's reclaim power over your money and your life!

Brian Heemstra

Northwestern Mutual

Helping you live life intentionally and using tools that allow you to pay less tax, protect your family, and be confident in your future.

Financial Advisor

Philly Frassati

Providing adventures and parties that draw young adults  closer to God. Support us on Patreon: https://www.patreon.com/phillyfrassati?

Co-Founder

Cristo Rey Consulting

Helping small catholic non-profits succeed with the resources they have

Founder, Non-profit consultant

Ziegs Landscaping

Generated annualized returns of $240k
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Co-Owner, Manager

Christian Family’s Financial Guide 🙏 Read my bio and see how… Be Radically Intentional 👊 Accepting new clients: generous families/businesses

🔷When I gave my life to Christ everything changed. 🔷

I knew my life needed to be oriented towards Him.

Not just on Sundays-everyday and in each area of my life. 

Including finances, family, work… everything.

Now, I help families realign their finances. 
Making heaven and impact the goal. Not just wealth.

🔹 Why families hire me? 🔹 

- They want peace of mind with their money 
- They want someone w shared values and goals
- They want to leave a lasting legacy more than money
- They want an answer tailored to them, not from Google 
- They built up a financial junk drawer and need a plan
- They want a clear plan that's easy to understand 
- They want someone to hold them accountable 
- They want someone they can trust

🔹 How we help 🔹 

I help Christian families define their family vision, organize their financial junk drawer, and realign their resources towards their mission through:  

💵 Cash Flow Management  
👼 Planned giving strategy 
🏡 Real Estate Planning 
📊 Investment Planning 
📍 Retirement Planning 
🛡 Insurance Planning 
📚 Education Planning 
🙏Legacy Planning
📃 Estate Planning
💲 Tax efficiency

🔹 What meeting is like 🔹

Financial planning shouldn’t feel like an interrogation. 
It should feel like a family dinner. 

 A place where:
 
- We learn 
- We get to the heart 
- We have open dialogue 
- We act with confidence and accountability


If you're a Christian family 👨‍👩‍👧‍👦 looking to realign your finances send me a message.

Your family is too important to wait.

I'm here when you're ready.
But until then, you're in my prayers.

God Bless you,

Jack 🙏

Jack Ziegler III

Twins receive $800K inheritance at 48.
One quits $190K job. 
Starts “passion project.”

Buys lake house for $425K. 
Takes big family trip they dreamed of $25k.
Lifestyle inflation everywhere.

No budget. No plan. Just “freedom.”

Age 55: Consulting income: $60K. Inheritance: $250K left.

Age 58: Sells lake house at loss.
Age 62: Back to corporate. Starting over.
Age 68: Still working. Can’t afford not to.

The other twin does it different.

$800K inheritance at 48.
Keeps his $150k job. 
Invests 80% immediately.
Gives $150k: church building fund.
Goes on $10k family trip. 

Lives on salary. 
Pretends inheritance doesn’t exist.
Age 55: Inheritance grown to $1.2M. Untouched.

Age 60: Retires. 
Endows seminary scholarship for $500K.

Age 70: Grandkids’ college funded. Legacy secured.

One honored God. One honored comfort.
Windfalls don’t reveal character.
They expose what was already there.

Who are you serving when nobody’s watching your bank account?

Windfalls come in many forms. 
They won’t change your habits and attitudes. 

Build them in yourself. 
Instill them in your children.

Jack Ziegler III, CFP®

Christian Families CFP® Accomplish Radically Intentional Goals Generous families 35-55 See my Featured Section for Resources 👇 Read my bio to see if we're a fit.

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Don’t miss bedtime prayers so you can give them a bigger house.

Don’t miss your daughter’s recital so you can afford piano lessons.

Don’t hustle through another vacation week to fund better vacations later.

Don’t skip family prayer because you’re serving on another church committee.

In other words…

Don’t sacrifice the thing you want for the thing that’s supposed to get it.

We too often lose the treasure polishing the box it comes in. 

It’s a waste and a clever tactic of the enemy.

Stay focused on keeping the first things first.

The 50 yr mortgage…
Politically, don’t think gov should be involved.
Economically, don’t think it benefits families.

But helps investors a ton.

The intention of this is to help families but it will have the opposite effect. 

Societally, think this will hurt more people than it helps. 

Here’s what I mean:

1. This makes the same properties easier to cash flow for investors.
(Especially ones they already own)

2. This will increase demand, make people less likely to sell, which in turn raises prices.

3. Families buying homes won’t save much per month doing a 50yr vs 30yr.

Price increase of just about 2% eliminates the ‘savings’.

They’ll just buy more than they can afford and never pay it off and at a higher purchase price than it otherwise would have been.

Stay educated on this stuff. 
Be careful out there.

4 years ago: Success meant bigger house 
3 years ago: Success meant bigger portfolio 
2 years ago: Success meant bigger business 

Then God flipped the script. 

Through cancer. 
Through our marriage.
Through becoming a dad. 


He molded and shaped my heart 
to be more aligned to His Will, not mine

Now success means: 

- Living a radically intentional life 
- Drawing closer to Jesus Daily
- Leading my family boldly 
- Bigger generosity goals 

The numbers still matter. 
But they're not THE matter. 

Slowly as I was planning and planning
House, status, business, money
became my main goals…

I had to get cancer to flip it around.
You don’t have to.  

You can re-prioritize your life TODAY!


Just say yes to His plan. 
Even if it looks different than you imagined. 

Here to help when you're ready.

God bless you, 

Jack 🙏

I used to think tithing was about the church’s budget. I was dead wrong.

It’s about your heart’s freedom.

This year, I’ve watched clients wrestle with their giving ($40K their tithe on $400K income).

“Jack, that’s a nice car. That’s a family vacation. That’s… a lot.”

I get it. I’ve been there.

But here’s what I’ve learned after working with 200+ families:

The families who give generously are always the most at peace with money.

Not because they have more.
Because money has less of them.

“Where your treasure is, there your heart will be also.” (Matthew 6:21)

This is something I discovered during a mission trip to Haiti.

I watched kids play joyfully with sticks and stones.

I saw families grateful for rice and beans.

I met believers who gave sacrificially from their poverty.

I came home ashamed of my hesitation to give from my abundance.

Now the goal is to increase giving annually.

Here’s the paradox:

-> The more you give, the more you receive.
-> Not always financially.
-> But always spiritually.

Peace. Joy. Purpose. Freedom.

The families who hold their wealth with open hands sleep the best.

“Command them to do good, to be rich in good deeds, and to be generous and willing to share.” (1 Timothy 6:18)

Your generosity isn’t just changing the world.

It’s changing you.

What step toward greater generosity is God calling you to take?

God bless you,

Jack 🙏

♻️ Share to inspire others toward joyful generosity.
🔔 Follow for more faith-centered financial wisdom.

Gen Z thinks you need $587k/yr to be successful. 

I don’t think it’s because they’re crazy.

This is the result of;

1. Growing up in comparison culture of fake highlight reels on social media 

2. Insane inflation and difficulty to afford the ‘basic’ American dream. 

3. Useless degrees causing dead weight debt. 

4. A rise in ambition from men in this gen. 

Just my 2 cents or maybe it’s 4 cents. 
Idk inflation’s crazy.

What do you think? Are they crazy? 
Or is it just the world they grew up in?

Thanks Frank Iozzo, CPWA® for the food for thought.

Sometimes God asks us to do big things.

But most times he asks us to be faithful in the little things.

I think about this when I look at my family.

A mostly ordinary life sprinkled with some extraordinary moments.

Decades of faithfulness,
Marked by extraordinary love.

______

My dad worked hard providing for decades. 

—> Fought harder to teach us to be present at home, generous, humble. 

My mom worked hard raising 6 crazy boys
A mostly thankless job.

—> Fought harder to teach us how to love, to pray, to serve.

_______

Leading my family now, I know the daily moments where I choose patience, choose love, choose sacrifice, choose Jesus.

Those moments compound over decades.

And just like my parents have quietly built a legacy of love with 6 soldiers changing the world….

We will continue that. 
And build upon it.

What legacy are you building?

God bless you,

Jack 🙏

If the goal is as much wealth as possible.
If the goal is tax savings at any cost.
If the goal is rate of return. 

I promise. I’m not the right advisor.

If the goal is heaven.
If the goal is generosity and impact.
If the goal is more family time and legacy.

I promise. I’m the right advisor.

I want spouses closer. 
Children blessed abundantly.
Churches growing and transformed.

As a result of our financial planning. 

Yes, of course we still grow wealth, save people taxes, and have competitive returns.

No one hires me for that alone. 

I regularly give advice that results in less wealth but more purpose and intentionality.

I aim to give families permission to spend, give, retire. Because it’s not all about saving.

If that’s what you’re after, 
send me a message.

He has $2.3M in company stock options.
$1.8M in gains if he sells today.
Tax bill to diversify: $450k.
So he holds it all.

“Not paying that tax.”
Meanwhile 87% of his net worth and 100% of his income is one company.

If the stock tanks, everything tanks.
If he gets laid off, income AND wealth disappear.

Paralyzed by the tax bill.


Here’s what he could do…
(Bare with me this is cool)

Strategies he’d never heard of:

	1.	Moved $800k into an exchange fund. (Diversified without triggering taxes, deferred 7+ years)
	2.	Donated $500k of appreciated stock to Donor Advised Fund. (Zero capital gains, $125k income tax rededuction, funds giving for 10 years)
	3.	Sold $400k using direct indexing with tax-loss harvesting. (Captured $90k in losses, offset gains to $40k tax bill)
	4.	Kept $600k in company stock. (Still has upside exposure)


The math: Would have paid ~$400k to diversify everything.

Actually saved $85k instead.

Net result: $85k tax benefit while diversifying 75% of holdings.

Company stock drops 35%? 
Doesn’t crush his goals.

His net worth dropped only 8%.
Meanwhile the guy who “didn’t want to pay taxes”?

Lost $800k when the stock crashed.

“Not wanting to pay taxes” cost him 10x more than the taxes would have.

Concentration builds wealth.
Diversification protects it.

How much are you risking by holding everything in one stock?

I wasted 3 years afraid to build wealth.
Terrified I’d become the rich man.
The one Jesus said couldn’t enter heaven.

So I kept my business small and subconsciously sabotaged any major progress. 

I made assumptions about successful people’s character and prayer lives.

Convinced poverty made me more holy,
I’d feel guilty every time revenue jumped.

Meanwhile:

	•	My giving was capped
	•	My goals dwarfed by fear
	•	My talents squandered and hidden

Then I onboarded my first 5-figure client.
And the guilt hit HARD.

Even though I could see the incredible impact and their gratitude for the work…

I was overcome w questions of guilt.

“Am I becoming that rich man?”
“Will money corrupt my faith?”

But here’s what I finally understood:

The rich man’s problem wasn’t his wealth.
It was his ATTACHMENT to it.

Jesus wasn’t condemning resources.
He was exposing idolatry.

The question isn’t: “Am I building wealth?”
It’s: “Who am I building FOR?”

I know our mission. 
To be the light of Christ in families financial lives. 

Now when I land a big client, I still feel it.
That flicker of fear.

But I remember:

- Business growth means more families helped
- Means bigger impact for the church
- Greater giving in the community

Let my journey be a warning. 

Stop letting fear steal your best years.
Stop confusing poverty with piety.

If you have the ability to…

Build boldly. Give generously.
Trust completely.

God bless you,

Jack 🙏

P.S. In business there’s a powerful theme:

We are often paid in direct correlation to the amount of value we are adding ‼️

If I want to add massive value and transformational growth, that will come with business growth.

Many Christian’s think they have to be poor to be holy. 

It’s a crippling mindset that leads to…

- Fear controling financial decisions
- Scarcity around the opportunities around you
- Ignoring finances silently hurting your family
- Tracking every dollar leading to money fights
- Judging others and fostering jealousy


Instead see money as a tool and experience:


- An abundance of love driving decisions
- Leveraging dollars for greater impact 
- Detachment from money and Attachment to God
- Intentional living aimed at Gods plan for your life
- Peace in a long term plan and surrender to God

_____________


Here’s how we switch from fear to intention:

1. Plan Prudently
2. Give Generously
3. Pray for Wisdom
4. Practice Gratitude
5. Align Spending with Values
6. Surrender the outcomes to God

There’s freedom from money stress.

I’d start with #6 and work your way up.

God bless you,

Jack 🙏

He’s 42 making $450k.
Paying 37% tax on top dollars.
His advisor told him to max his Roth 401k.

But a $23.5k deduction saves him ~$8700 in taxes annually.

Tax free sounds smart until you see what happens next.

At 55 he retires early.
Income drops to $60k from rentals.
Tax bracket: 12%.

Watch this…

Now he converts $100k/year from 401k to Roth.
Pays 12% tax instead of the 37% he saved.

Over 15 yrs: 
Converts $1.5M at 12% = $180k total tax. 
As opposed to $555k at current rate.

At 70.5 he starts QCDs from the pre-tax money.

$70k/yr 15 yrs to church, tax-free.

The math: Deducted at 37%, converted at 12%, gave at 0%.

25% tax arbitrage on $1.5M = $375k saved.
37% arbitrage on $1M giving = $370k saved. 

Most people stop at “max your 401k.”

The real strategy is deduct high, convert low, give tax-free.

Are you just maxing 401k or playing the long game?

Gods vision was bigger than I could handle. 
So, he whispered to Matt’s heart to join the mission.

We want to TRANSFORM the families who chose to work with us. 

To become radically intentional.
To live radically generous.
To think generationally.
To provide abundantly.
To be present fully.

We want to flee every temptation to be mediocre.

To instead strive for the highest goals.

All for the glory of God and to make Christ reign in the hearts of every family.

For Jesus to be king of our family, our finances, our businesses.

Because ‘be a good steward’ is not a practical message to Christians.

It gets complex. Extremely difficult. 
Fully countercultural! 

A pat on the back and an atta boy isn’t gonna cut it. 

We need a process. A system. A structure. 
We need a plan. Accountability. A trusted guide.

That’s what we’re building. 

A couple Christian brothers joining forces to make a MASSIVE IMPACT!

DM us to see what our process is all about. 

P.S. My kids are cuter though.

A couple near us has $1.2M saved for retirement at 62.

They followed all the rules - maxed 401k for 20 + years, lived below their means, bought index funds, paid off mortgage.

If they use the “safe” 4% withdrawal rule that’s $48k/year to live on.

But here’s what $48k actually covers in 2025: 

Health insurance $20k/yr. 
All other insurance: $7k/yr
Property taxes $6k/yr. 
Utilities $7k/yr.
Phone/ internet: $3k

That’s $43k gone before groceries, gas, or anything fun.

Social security will help. 
But that’s set to be cut by 20% in 2032.

The 4% rule was built for 2% inflation and $300/month health insurance.

Today inflation is running 4-6% and health insurance for early retirees is off the charts.

This is why people with “enough” money still can’t afford to retire.

The math that worked for previous generations is broken. 

A million dollars isn’t what it used to be.

And not all $1M is created equal. 

What do you think? 💭

Do 3 of these and you’ll be successful. 
Do 5 and you’ll change generations.
7 or more and you’ll change the world.

(#9 is non negotiable)

The moment we discover and implement these things our lives change forever:

1. Living below your means 
2. Automating savings
3. Using Compound interest
4. Earn on value provided not time spent
5. Earn outside of W2
6. How to sell
7. How to buy back your time
8. How to lower your tax bill
9. Invite Jesus into your work and life
10. Work for impact over profit

I can notice when any of these lessons begins to click for the families I work with. 

I can see the impact it has on their lives.

It’s generational. Monumental.
Everything in your life gets better.
For generations to come. 

If I can help a family learn and implement just one of these, I know their lives will be changed.

$280K household income.
Three kids. Ages 14, 12, 9.

“We’ll figure out college when we get there.”

Age 47: Zero in 529 plans. Market’s up. They’ll start next year.

Age 48: Market correction. “Bad timing. We’ll catch up.”

Age 50: Eldest applies to schools. Sticker shock: $55K/year.

Age 51: First tuition bill. Home equity line. $45k borrowed.

Age 52: Second kid enrolls. Another $90K on credit.

Age 54: Third kid starts. 
Total borrowed: $380K.

Age 58: Still paying. Kids graduated. 
$450k total parent debt. 
Parents’ retirement delayed 10 yrs.

Age 70: Finally retire. Student Debt paid off. 

… one small habit 10 yrs earlier makes a massive difference. 

5% of income or $1k/m starting when youngest was born. 

Allow kids to take $5k/yr in loans for responsibility. 

Now you still retire at 60. 
Kids go to same schools.
Kids get the same jobs. 

Could retire at 65 and help kids with first home.

Legacy isn’t all about college ed. 
Those days are over.

Imagine retiring early to be with your grandkids so your daughter can work part time earning $50k/yr and not pay for childcare.

You’ve added to your kids household $80k/yr in value from saved costs and added income.

That $80k allows her to fully stop working in 4 yrs from sped up retirement and kids savings.

Maxing 401k for 4 yrs ages 28-32 = 
Extra $600k in assets by retirement. 

$30k/yr for 4 yrs = 
Extra $450k for kids future college. 

Buys 4 yrs of her husbands income growth. 

One income, big family, owning a home, giving charitably feels impossible for many.

4 yrs of grandparent support can make all the difference. 

The generational impact is astounding.

There’s a version of you that’s unafraid
That shouts with joy
That’s bold and confident
That’s courageous and passionate 

A version of you that is totally selfless
That goes out of your way to serve
That’s fully present with your family
That makes hard sacrifices. 

A version of you that loves deeply
That listens patiently
That invites Jesus wherever you go
That shows up for others in hard times.

The best version of you exists.
The potential is inside you. 
The grace freely offered.

We just need to surrender to Jesus.
Spend time with Him.

Let him shape us into all we’re made to be.

You are an unrepeatable, irreplaceable gift to the world. 

Become who you are and set the world on fire.

His parents are 68 and 70.
$2.8M net worth, retired comfortably.
But they keep $700k sitting in cash
Earning 2% at the bank.

Why?

“We might need long-term care someday.”
Memory care costs $12k/month in their area.
That’s $145k/yr, potentially for years.

So they’re worried to touch it.

His neighbor had the same fear at 68.
Advisor showed him a different approach:

Bought a long term care plan.

Freed up $350k to be invested knowing ltc is covered and legacy secured.

$350k in LTC policy + $350k invested at 6% = $626k in 10 years PLUS care covered and $1M of legacy if not needed.

Better protection.
Larger legacy.

Keeping massive cash “for care” doesn’t protect you.

It makes sure you leave less behind. 

How much are your parents keeping in cash “just in case?”

This past month 8 new families came into our office with dreams and concerns.

Dreams:

1. Retire early to be home with kids/grandkids.
2. Buy the forever home to raise their family.
3. Help kids purchase their first home.
4. Go full-time in their business.
5. Make a six figure gift.

Most of the goals had to do with spending more time with family and serving the Lord.

Most of the concerns had to do with taxes, fear of the unknown, the uncertainty of how to access assets and turn them into sustainable income.

All crippling to be able to KNOW how to make it all work.

So grateful the same families finished our process with:

1. Four families able to retire 7 -10 yrs earlier than originally thought 
2. Three families ready to buy their home/kids homes
3. One family w/ a clear roadmap to jump fully into their business
4. Collectively, $140k in tax savings.
5. Several home renovations timeline sped up.

This has been a fun month.
I’m so so grateful for the work we get to do.

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The Battle

Brian Heemstra

Jack Ziegler III

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The Battle

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