Sharon EppsEvery podcast appearance, updated as new ones drop

What if the greatest benefit of financial advice isn’t simply what happens to your portfolio, but knowing your financial decisions reflect what matters most? New research from Kingdom Advisors and Pinkston Group suggests that when financial counsel aligns with a person’s faith and values, the benefits can extend well beyond investment performance. Clients report deeper trust, reduced financial anxiety, and a broader definition of financial success. Sharon Epps, President of Kingdom Advisors, joined the show today to unpack what the findings reveal about values-aligned investing, long-term advisor relationships, generosity, and the future of Chri...

What if the greatest benefit of financial advice isn’t simply what happens to your portfolio, but knowing your financial decisions reflect what matters most? New research from Kingdom Advisors and Pinkston Group suggests that when financial counsel aligns with a person’s faith and values, the benefits can extend well beyond investment performance. Clients report deeper trust, reduced financial anxiety, and a broader definition of financial success. Sharon Epps, President of Kingdom Advisors, joined the show today to unpack what the findings reveal about values-aligned investing, long-term advisor relationships, generosity, and the future of Chri...

Generosity can begin with a simple gift, but when it becomes a family rhythm, its impact can last for generations. Most parents want their children to grow into generous adults—people who see what God has entrusted to them as something to be stewarded for His purposes and the good of others. But generosity rarely develops by accident. It is cultivated over time through example, experience, and intentional practice. Sharon Epps, President of Kingdom Advisors and Co-Founder of Women Doing Well , joins the show today to encourage families to begin teaching generosity early and continue nurturing it through every stage of life. The goal is not simply to raise children who give money, but to help them discover the joy of living generously with everything God has provided. Start by Modeling Generosity Young children may not understand much about money yet, but they are always watching. That makes the early years an ideal time to model generosity through simple, tangible experiences. Parents might take their children grocery shopping for items to donate to a local food pantry, allowing them to choose the food and deliver it. The lesson is simple: We have something we can share, and together, we can use it to help someone else. Families can also find creative ways to connect generosity with celebrations. Sharon suggests hosting a “reverse birthday party,” where guests bring items for a ministry or charity the child helps select. Another simple practice is keeping blank cards nearby so children can draw pictures or write encouraging notes for someone who may be lonely, sick, or going through a difficult season. None of these activities requires a child to understand complex financial concepts. They simply allow children to see generosity in action. Give Children Hands-On Opportunities to Serve As children grow, parents can begin inviting them into more direct experiences of giving. One powerful approach is volunteering together at a local ministry, especially an organization serving other children or families. Serving side by side allows generosity to become something children experience personally rather than merely hear about. Families might also consider sponsoring a child through a trusted ministry. Sharon shared how her own daughter began sponsoring a child at age five and continued that relationship as they both grew older. Experiences like these can help children recognize that generosity is relational. It is not simply about transferring money from one place to another. It is about seeing people, caring about their needs, and responding with compassion. Connect Generosity to a Teenager’s Passions As children enter their teenage years, their interests and passions become clearer. That creates an opportunity to help them connect generosity with the things they already care about. A teenager who loves the outdoors, for example, might become interested in supporting a Christian camp ministry. A young person passionate about sports might enjoy serving through an organization that uses athletics to mentor children. Families can also make service part of their normal rhythms. Spring break or other holidays, for instance, can include opportunities to serve together. Sharon shared that her children participated in spring break mission trips while growing up. Those experiences became so meaningful that they continued serving during college because generosity had simply become part of what their family did. That is one of the most powerful lessons parents can pass along: Generosity is not an occasional project. It can become part of the way we live. Let Generosity Involve Sacrifice Biblical generosity often involves more than giving fr

Generosity can begin with a simple gift, but when it becomes a family rhythm, its impact can last for generations. Most parents want their children to grow into generous adults—people who see what God has entrusted to them as something to be stewarded for His purposes and the good of others. But generosity rarely develops by accident. It is cultivated over time through example, experience, and intentional practice. Sharon Epps, President of Kingdom Advisors and Co-Founder of Women Doing Well , joins the show today to encourage families to begin teaching generosity early and continue nurturing it through every stage of life. The goal is not simply to raise children who give money, but to help them discover the joy of living generously with everything God has provided. Start by Modeling Generosity Young children may not understand much about money yet, but they are always watching. That makes the early years an ideal time to model generosity through simple, tangible experiences. Parents might take their children grocery shopping for items to donate to a local food pantry, allowing them to choose the food and deliver it. The lesson is simple: We have something we can share, and together, we can use it to help someone else. Families can also find creative ways to connect generosity with celebrations. Sharon suggests hosting a “reverse birthday party,” where guests bring items for a ministry or charity the child helps select. Another simple practice is keeping blank cards nearby so children can draw pictures or write encouraging notes for someone who may be lonely, sick, or going through a difficult season. None of these activities requires a child to understand complex financial concepts. They simply allow children to see generosity in action. Give Children Hands-On Opportunities to Serve As children grow, parents can begin inviting them into more direct experiences of giving. One powerful approach is volunteering together at a local ministry, especially an organization serving other children or families. Serving side by side allows generosity to become something children experience personally rather than merely hear about. Families might also consider sponsoring a child through a trusted ministry. Sharon shared how her own daughter began sponsoring a child at age five and continued that relationship as they both grew older. Experiences like these can help children recognize that generosity is relational. It is not simply about transferring money from one place to another. It is about seeing people, caring about their needs, and responding with compassion. Connect Generosity to a Teenager’s Passions As children enter their teenage years, their interests and passions become clearer. That creates an opportunity to help them connect generosity with the things they already care about. A teenager who loves the outdoors, for example, might become interested in supporting a Christian camp ministry. A young person passionate about sports might enjoy serving through an organization that uses athletics to mentor children. Families can also make service part of their normal rhythms. Spring break or other holidays, for instance, can include opportunities to serve together. Sharon shared that her children participated in spring break mission trips while growing up. Those experiences became so meaningful that they continued serving during college because generosity had simply become part of what their family did. That is one of the most powerful lessons parents can pass along: Generosity is not an occasional project. It can become part of the way we live. Let Generosity Involve Sacrifice Biblical generosity often involves more than giving fr

“If you need wisdom, ask our generous God, and He will give it to you.” That promise from James 1:5 is a powerful reminder that wisdom is not something we have to manufacture on our own. It is a gift from God, and He invites us to ask for it. When we think about financial decisions, we often turn first to budgets, spreadsheets, calculators, or professional advice. Those tools can be helpful, and wise counsel has an important place in biblical stewardship. But for followers of Christ, wisdom begins with prayer. Sharon Epps, President of Kingdom Advisors , FaithFi’s parent organization, joined the show today to talk about inviting God into our financial lives and seeking His guidance with trust and humility. Prayer Reminds Us Whose Money It Is When people think about managing money, prayer may not be the first thing that comes to mind. But Sharon says it should be central to the way believers make financial decisions because we are not ultimately managing our own resources. We are managing God’s. She offered a simple illustration: imagine being asked to care for someone else’s home while they were away on an extended trip. Would you let them leave without asking for specific instructions about how they wanted things handled? Of course not. In the same way, because everything we have belongs to God, we should want His instruction for how to steward it. Prayer reminds us that we do not have to carry financial decisions alone or rely only on our own understanding. It helps us approach money with dependence, trust, and humility. Prayer also shifts our posture. Instead of trying to control every outcome, we begin to ask what faithfulness looks like with what God has entrusted to us. The Most Powerful Question We Can Ask So what does this look like in everyday life? Sharon says it starts by bringing financial decisions to the Lord before we act. Whether we are deciding how to spend, save, give, invest, or pursue work, prayer gives us the opportunity to seek God’s wisdom first. Our friend and mentor Ron Blue has often said that one of the most powerful questions we can ask is: God, what would You have me do with Your money? That question changes everything. It reminds us that money is not merely a tool for personal comfort or security. It is a resource entrusted to us by God for His purposes. Sharon shared a personal example from when she and her husband were praying about their oldest daughter’s college tuition. They had not saved enough to pay for her education in full, and they were committed to avoiding debt. As they prayed, God brought something to mind: He had already provided what they needed, but they had mentally set those funds aside for another purpose. Once Sharon and her husband sat down and talked it through, they realized God had shown them an option they had never considered. Prayer did not simply give them peace; it gave them perspective. That is one of the gifts of prayer. Over time, it shapes our desires, priorities, and motives. It trains us to seek God first rather than simply react in the moment. Learning What Is Enough One of the great financial questions every believer must wrestle with is, “How much is enough?” Our culture constantly pushes us to want more. More income. More comfort. More security. More possessions. But Scripture points us toward contentment. Paul writes in Philippians 4:11, “I have learned in whatever situation I am to be content.” That word learned is important. Contentment does not come naturally. It is formed in us as we walk with Christ and learn to trust Him more deeply. Prayer helps us bring our desires honestly before the Lord. It gives us space to ask whether our financial choices are being driven by needs, wants, fear, comparison,

“If you need wisdom, ask our generous God, and He will give it to you.” That promise from James 1:5 is a powerful reminder that wisdom is not something we have to manufacture on our own. It is a gift from God, and He invites us to ask for it. When we think about financial decisions, we often turn first to budgets, spreadsheets, calculators, or professional advice. Those tools can be helpful, and wise counsel has an important place in biblical stewardship. But for followers of Christ, wisdom begins with prayer. Sharon Epps, President of Kingdom Advisors , FaithFi’s parent organization, joined the show today to talk about inviting God into our financial lives and seeking His guidance with trust and humility. Prayer Reminds Us Whose Money It Is When people think about managing money, prayer may not be the first thing that comes to mind. But Sharon says it should be central to the way believers make financial decisions because we are not ultimately managing our own resources. We are managing God’s. She offered a simple illustration: imagine being asked to care for someone else’s home while they were away on an extended trip. Would you let them leave without asking for specific instructions about how they wanted things handled? Of course not. In the same way, because everything we have belongs to God, we should want His instruction for how to steward it. Prayer reminds us that we do not have to carry financial decisions alone or rely only on our own understanding. It helps us approach money with dependence, trust, and humility. Prayer also shifts our posture. Instead of trying to control every outcome, we begin to ask what faithfulness looks like with what God has entrusted to us. The Most Powerful Question We Can Ask So what does this look like in everyday life? Sharon says it starts by bringing financial decisions to the Lord before we act. Whether we are deciding how to spend, save, give, invest, or pursue work, prayer gives us the opportunity to seek God’s wisdom first. Our friend and mentor Ron Blue has often said that one of the most powerful questions we can ask is: God, what would You have me do with Your money? That question changes everything. It reminds us that money is not merely a tool for personal comfort or security. It is a resource entrusted to us by God for His purposes. Sharon shared a personal example from when she and her husband were praying about their oldest daughter’s college tuition. They had not saved enough to pay for her education in full, and they were committed to avoiding debt. As they prayed, God brought something to mind: He had already provided what they needed, but they had mentally set those funds aside for another purpose. Once Sharon and her husband sat down and talked it through, they realized God had shown them an option they had never considered. Prayer did not simply give them peace; it gave them perspective. That is one of the gifts of prayer. Over time, it shapes our desires, priorities, and motives. It trains us to seek God first rather than simply react in the moment. Learning What Is Enough One of the great financial questions every believer must wrestle with is, “How much is enough?” Our culture constantly pushes us to want more. More income. More comfort. More security. More possessions. But Scripture points us toward contentment. Paul writes in Philippians 4:11, “I have learned in whatever situation I am to be content.” That word learned is important. Contentment does not come naturally. It is formed in us as we walk with Christ and learn to trust Him more deeply. Prayer helps us bring our desires honestly before the Lord. It gives us space to ask whether our financial choices are being driven by needs, wants, fear, comparison,

What are the biggest financial questions people keep asking—and are we answering them the right way? The questions we wrestle with about money often reveal something deeper. They expose our fears, our hopes, and what we truly believe about God’s provision. That’s why financial wisdom must go beyond spreadsheets and strategies. It must address the heart. Sharon Epps, president of Kingdom Advisors , joins us to unpack what financial advisors across the country are hearing from their clients. While the seasons of life may vary, many of the same questions keep surfacing—and those questions often reveal concerns that go deeper than dollars and cents. The Questions People Keep Asking As Kingdom Advisors stays connected with financial professionals across the country, certain questions continue to surface. According to Sharon, three of the most common are: How much is enough? How do I prepare the next steward? How do I give intentionally? Each question involves real financial decisions, but each one also reveals something about the heart. They are not merely questions about money. They are questions about security, legacy, generosity, and trust. How Much Is Enough? At first glance, “How much is enough?” sounds like a numbers question. People want to know how much they should save, how much they need for retirement, or how much margin they need to feel secure. But beneath the question is often a deeper concern: Will I be okay? Will my family be okay? That’s why a purely financial answer can fall short. A typical financial plan may focus mainly on accumulation—building as much as possible to create a sense of safety. Saving wisely is important, but from a biblical perspective, accumulation alone cannot provide lasting peace. A stewardship approach asks a different question. It still considers the numbers, but it also recognizes that God is our provider. Enough is not merely a financial target. It is also a posture of the heart shaped by contentment, trust, and faithfulness. Preparing the Next Steward Another question many people ask is, “How do I prepare the next steward?” This often becomes urgent as people approach retirement or begin thinking about estate planning. But Sharon points out that preparing the next steward should not be delayed until later in life. It is something we should consider throughout our lifetime. That’s because stewardship is not only about passing on wealth. It is about passing on wisdom, values, and a vision for faithfulness. Proverbs 13:22 says, “A good man leaves an inheritance to his children’s children.” While that certainly can include financial inheritance, it should not be limited to money. A truly meaningful inheritance includes biblical wisdom, godly character, and a clear understanding of how to steward resources. As Ron Blue has often said, estate planning is incomplete if it only focuses on wealth transfer. The greater goal is the transfer of wisdom before wealth. Giving Intentionally The third question Sharon says advisors frequently hear is, “How do I give intentionally?” This question moves generosity beyond impulse or obligation. It invites us to think carefully about how God may be calling us to use what He has entrusted to us for His Kingdom. Intentional giving requires prayer, planning, and a willingness to align our resources with our deepest convictions. It asks not simply, “How much can I give?” but “How can my giving reflect God’s generosity and advance His purposes?” A Resource for Deeper Stewardship These recurring questions helped inspire FaithFi’s new Field Guides—practical resources designed to help people work through major financial

What are the biggest financial questions people keep asking—and are we answering them the right way? The questions we wrestle with about money often reveal something deeper. They expose our fears, our hopes, and what we truly believe about God’s provision. That’s why financial wisdom must go beyond spreadsheets and strategies. It must address the heart. Sharon Epps, president of Kingdom Advisors , joins us to unpack what financial advisors across the country are hearing from their clients. While the seasons of life may vary, many of the same questions keep surfacing—and those questions often reveal concerns that go deeper than dollars and cents. The Questions People Keep Asking As Kingdom Advisors stays connected with financial professionals across the country, certain questions continue to surface. According to Sharon, three of the most common are: How much is enough? How do I prepare the next steward? How do I give intentionally? Each question involves real financial decisions, but each one also reveals something about the heart. They are not merely questions about money. They are questions about security, legacy, generosity, and trust. How Much Is Enough? At first glance, “How much is enough?” sounds like a numbers question. People want to know how much they should save, how much they need for retirement, or how much margin they need to feel secure. But beneath the question is often a deeper concern: Will I be okay? Will my family be okay? That’s why a purely financial answer can fall short. A typical financial plan may focus mainly on accumulation—building as much as possible to create a sense of safety. Saving wisely is important, but from a biblical perspective, accumulation alone cannot provide lasting peace. A stewardship approach asks a different question. It still considers the numbers, but it also recognizes that God is our provider. Enough is not merely a financial target. It is also a posture of the heart shaped by contentment, trust, and faithfulness. Preparing the Next Steward Another question many people ask is, “How do I prepare the next steward?” This often becomes urgent as people approach retirement or begin thinking about estate planning. But Sharon points out that preparing the next steward should not be delayed until later in life. It is something we should consider throughout our lifetime. That’s because stewardship is not only about passing on wealth. It is about passing on wisdom, values, and a vision for faithfulness. Proverbs 13:22 says, “A good man leaves an inheritance to his children’s children.” While that certainly can include financial inheritance, it should not be limited to money. A truly meaningful inheritance includes biblical wisdom, godly character, and a clear understanding of how to steward resources. As Ron Blue has often said, estate planning is incomplete if it only focuses on wealth transfer. The greater goal is the transfer of wisdom before wealth. Giving Intentionally The third question Sharon says advisors frequently hear is, “How do I give intentionally?” This question moves generosity beyond impulse or obligation. It invites us to think carefully about how God may be calling us to use what He has entrusted to us for His Kingdom. Intentional giving requires prayer, planning, and a willingness to align our resources with our deepest convictions. It asks not simply, “How much can I give?” but “How can my giving reflect God’s generosity and advance His purposes?” A Resource for Deeper Stewardship These recurring questions helped inspire FaithFi’s new Field Guides—practical resources designed to help people work through major financial

What if the most important factor in choosing a financial advisor isn’t performance alone, but alignment? Many people assume the primary role of a financial advisor is to maximize returns. While wise investing certainly matters, new research suggests something deeper may be at work. When financial advice aligns with your values, it doesn’t just affect your portfolio—it can reshape how you think about money altogether. That was the focus of today’s conversation with Sharon Epps, president of Kingdom Advisors , who shared insights from a new study conducted in partnership with Pinkston Research. What the Research Sought to Discover The study set out to compare the experiences of clients working with values-aligned advisors—specifically Certified Kingdom Advisors® (CKAs) —with those of clients using more traditional advisory relationships. The goal was simple: determine whether shared values actually change the financial planning experience. The findings were compelling. When values line up, the advisor-client relationship becomes more than a transaction. It becomes a trusted partnership. Shared Values Build Trust Faster One of the clearest takeaways from the research was the role that trust plays in how beliefs and priorities are shared. Seventy percent of CKA clients said shared values were the most important factor when choosing an advisor. By contrast, 64% of the general public said investment returns mattered most. That difference is significant. When clients feel understood—not just managed—they often experience what Sharon described as a “trust dividend.” Communication deepens. Confidence grows. Relationships become stronger and more enduring. Does Values Alignment Mean Sacrificing Performance? That’s a fair question—and an important one. The answer, according to Epps, is no. Values-based investing has been widely studied, and many strategies have demonstrated competitive long-term performance. The key remains the same as with any sound financial plan: discipline, diversification, and wise decision-making. In other words, it’s not a choice between faith and performance. You can pursue both. A More Complete Financial Conversation So what actually feels different when meeting with a Certified Kingdom Advisor® ? Sharon explained that the conversation extends beyond numbers on a page. CKAs often ask about: Life goals Family relationships Personal calling Hopes for the future Generosity priorities The research reflected that difference: 87% of CKA clients said they discussed hopes and dreams with their advisor, compared to 47% of general clients. 85% discussed family relationships, compared with 32% of those with general advisors. 88% said their advisor also addressed technical areas such as taxes and debt, compared with 59% of general advisors. That means values-centered planning doesn’t replace technical excellence—it expands it. It becomes whole-life planning. From Ownership to Stewardship Perhaps the most meaningful shift happens internally. As people begin viewing money through a biblical lens, they often move from an ownership mindset to a stewardship mindset—the belief that everything we have ultimately belongs to God and has been entrusted to us for His purposes. The study found that 63% of CKA clients reported being motivated by a desire to be faithful stewards. That inward shift often leads to outward action. Nearly half of those clients said they had significantly increased their giving, compared with just 23% of general clients.

What if the most important factor in choosing a financial advisor isn’t performance alone, but alignment? Many people assume the primary role of a financial advisor is to maximize returns. While wise investing certainly matters, new research suggests something deeper may be at work. When financial advice aligns with your values, it doesn’t just affect your portfolio—it can reshape how you think about money altogether. That was the focus of today’s conversation with Sharon Epps, president of Kingdom Advisors , who shared insights from a new study conducted in partnership with Pinkston Research. What the Research Sought to Discover The study set out to compare the experiences of clients working with values-aligned advisors—specifically Certified Kingdom Advisors® (CKAs) —with those of clients using more traditional advisory relationships. The goal was simple: determine whether shared values actually change the financial planning experience. The findings were compelling. When values line up, the advisor-client relationship becomes more than a transaction. It becomes a trusted partnership. Shared Values Build Trust Faster One of the clearest takeaways from the research was the role that trust plays in how beliefs and priorities are shared. Seventy percent of CKA clients said shared values were the most important factor when choosing an advisor. By contrast, 64% of the general public said investment returns mattered most. That difference is significant. When clients feel understood—not just managed—they often experience what Sharon described as a “trust dividend.” Communication deepens. Confidence grows. Relationships become stronger and more enduring. Does Values Alignment Mean Sacrificing Performance? That’s a fair question—and an important one. The answer, according to Epps, is no. Values-based investing has been widely studied, and many strategies have demonstrated competitive long-term performance. The key remains the same as with any sound financial plan: discipline, diversification, and wise decision-making. In other words, it’s not a choice between faith and performance. You can pursue both. A More Complete Financial Conversation So what actually feels different when meeting with a Certified Kingdom Advisor® ? Sharon explained that the conversation extends beyond numbers on a page. CKAs often ask about: Life goals Family relationships Personal calling Hopes for the future Generosity priorities The research reflected that difference: 87% of CKA clients said they discussed hopes and dreams with their advisor, compared to 47% of general clients. 85% discussed family relationships, compared with 32% of those with general advisors. 88% said their advisor also addressed technical areas such as taxes and debt, compared with 59% of general advisors. That means values-centered planning doesn’t replace technical excellence—it expands it. It becomes whole-life planning. From Ownership to Stewardship Perhaps the most meaningful shift happens internally. As people begin viewing money through a biblical lens, they often move from an ownership mindset to a stewardship mindset—the belief that everything we have ultimately belongs to God and has been entrusted to us for His purposes. The study found that 63% of CKA clients reported being motivated by a desire to be faithful stewards. That inward shift often leads to outward action. Nearly half of those clients said they had significantly increased their giving, compared with just 23% of general clients.

“Where there is no guidance, a people falls, but in an abundance of counselors there is safety.” — Proverbs 11:14 When it comes to managing money, Scripture reminds us that we were never meant to do it alone. Financial decisions carry both practical and spiritual weight, shaping not only our future but also our faithfulness. On today’s episode of Faith & Finance , Sharon Epps, President of Kingdom Advisors , explores why wise counsel matters—and how Certified Kingdom Advisors (CKA®s) are helping believers steward God’s resources with clarity and conviction. What Is a Certified Kingdom Advisor? A Certified Kingdom Advisor (CKA®) is a financial professional who is both spiritually grounded and professionally equipped to help individuals and families make financial decisions rooted in biblical wisdom. As Sharon Epps explains, a CKA® is someone who is: Biblically trained Professionally qualified Passionate about helping others make faith-informed financial decisions CKA®s come from a range of professions, including financial planning, accounting, investing, insurance, and law—but they share a common commitment to integrating faith into their work. A Standard Built on Biblical Wisdom The CKA® designation is not a casual credential—it reflects a rigorous and intentional process. Sharon Epps highlighted that candidates complete: 90 hours of college-level study A five-hour proctored exam A real-life case study applying biblical principles to financial planning This training equips advisors not only with technical expertise, but also with a framework for applying Scripture to everyday financial decisions. More Than a Credential—A Heart Transformation One of the most compelling insights Sharon shared is that becoming a CKA often transforms the advisor as much as it equips them. One advisor wrote: “My practice is no longer just about financial acumen—it’s about integrating faith and finance.” Another shared: “This journey has been a catalyst for spiritual growth and discernment.” These stories reflect a deeper reality: when financial advice is shaped by Scripture, it changes not only how money is managed, but how people live. Why It Matters for Your Financial Journey So why should you consider working with a Certified Kingdom Advisor (CKA®) ? Sharon Epps put it simply: money is a tool, and we need wise guidance to use it well. A CKA helps you: Make decisions aligned with a biblical worldview Stay grounded in Scripture and prayer Pursue faithfulness, not just financial success In a culture that often measures progress by accumulation, a CKA® helps reframe the goal toward stewardship, generosity, and trust in God. Taking the Next Step If you’re looking for financial guidance that aligns with your faith, connecting with a Certified Kingdom Advisor (CKA®) can be a powerful next step. As Proverbs reminds us, there is safety in an abundance of counsel—and the right advisor can help you move forward with wisdom, confidence, and a deeper sense of purpose. Find a Certified Kingdom Advisor Ready to take that next step? You can connect with a <a href="https://www.faithfi.com/find-a-cka" rel="noopener

“Where there is no guidance, a people falls, but in an abundance of counselors there is safety.” — Proverbs 11:14 When it comes to managing money, Scripture reminds us that we were never meant to do it alone. Financial decisions carry both practical and spiritual weight, shaping not only our future but also our faithfulness. On today’s episode of Faith & Finance , Sharon Epps, President of Kingdom Advisors , explores why wise counsel matters—and how Certified Kingdom Advisors (CKA®s) are helping believers steward God’s resources with clarity and conviction. What Is a Certified Kingdom Advisor? A Certified Kingdom Advisor (CKA®) is a financial professional who is both spiritually grounded and professionally equipped to help individuals and families make financial decisions rooted in biblical wisdom. As Sharon Epps explains, a CKA® is someone who is: Biblically trained Professionally qualified Passionate about helping others make faith-informed financial decisions CKA®s come from a range of professions, including financial planning, accounting, investing, insurance, and law—but they share a common commitment to integrating faith into their work. A Standard Built on Biblical Wisdom The CKA® designation is not a casual credential—it reflects a rigorous and intentional process. Sharon Epps highlighted that candidates complete: 90 hours of college-level study A five-hour proctored exam A real-life case study applying biblical principles to financial planning This training equips advisors not only with technical expertise, but also with a framework for applying Scripture to everyday financial decisions. More Than a Credential—A Heart Transformation One of the most compelling insights Sharon shared is that becoming a CKA often transforms the advisor as much as it equips them. One advisor wrote: “My practice is no longer just about financial acumen—it’s about integrating faith and finance.” Another shared: “This journey has been a catalyst for spiritual growth and discernment.” These stories reflect a deeper reality: when financial advice is shaped by Scripture, it changes not only how money is managed, but how people live. Why It Matters for Your Financial Journey So why should you consider working with a Certified Kingdom Advisor (CKA®) ? Sharon Epps put it simply: money is a tool, and we need wise guidance to use it well. A CKA helps you: Make decisions aligned with a biblical worldview Stay grounded in Scripture and prayer Pursue faithfulness, not just financial success In a culture that often measures progress by accumulation, a CKA® helps reframe the goal toward stewardship, generosity, and trust in God. Taking the Next Step If you’re looking for financial guidance that aligns with your faith, connecting with a Certified Kingdom Advisor (CKA®) can be a powerful next step. As Proverbs reminds us, there is safety in an abundance of counsel—and the right advisor can help you move forward with wisdom, confidence, and a deeper sense of purpose. Find a Certified Kingdom Advisor Ready to take that next step? You can connect with a <a href="https://www.faithfi.com/find-a-cka" rel="noopener

Over the coming decades, women will steward a majority of the wealth being passed from one generation to the next. For many, that responsibility will arrive suddenly—during seasons of grief, transition, or new beginnings. Yet within that shift lies a remarkable opportunity for wise and faithful stewardship. Sharon Epps, President of Kingdom Advisors and cofounder of Women Doing Well , joins us on today’s show to share what she has learned after spending years studying this moment and walking alongside women as they step into it. A Quiet but Significant Shift Today, research consistently shows that women are inheriting a large portion of generational wealth. One primary reason is longevity—women often outlive their spouses by several years, placing financial responsibility squarely on their shoulders. In fact, nearly 95% of women will become the primary financial decision-maker at some point in their lives. Many step into that role unexpectedly, often while navigating grief, life transitions, or new responsibilities. The result is a profound shift happening quietly across generations—one with real implications for confidence, stewardship, and generosity. When Women Doing Well surveyed more than 7,300 Christian women—the largest study of its kind—one insight stood out: only about 6% felt confident or equipped to manage the resources God had entrusted to them. The issue wasn’t a lack of desire. It was a lack of clarity, confidence, and inclusion in financial conversations. Many women had the responsibility, but not the preparation. That gap can feel overwhelming, especially when decisions arrive suddenly. Generosity Is Already There One of the most encouraging discoveries from the research was this: Christian women are already remarkably generous. They give more of their time and money than many of their peers. The desire to live generously is not something that needs to be created—it’s already present. What many women want isn’t simply to give more, but to give well. The opportunity is to help generosity grow from clarity and confidence rather than from fear or obligation. A strong correlation emerged between biblical understanding and generosity. The more women understood stewardship—recognizing God as the Owner and themselves as managers—the more purpose-driven their giving became. Discipleship shifts generosity from pressure to purpose. It reminds us that giving is not a test to pass, but a response to God’s grace. From Overwhelm to Clarity: A Real Story One woman, whom we’ll call Clara, had always given generously. But after inheriting a significant sum of money, she felt pulled in every direction—“a dab here, a little there,” without a sense of impact. Through a process of discernment and clarity, she began narrowing her giving while increasing her investment in areas aligned with her calling. Her response captured the transformation: “You’ve given me the freedom to say no so I can say a better yes.” Clarity didn’t reduce her generosity—it deepened it. For many women, financial responsibility begins in the midst of grief. In those moments, wisdom matters. One helpful principle, often shared by trusted mentors, is this: avoid making drastic financial changes during the first year after a major loss. Decisions will need to be made, but there’s rarely a need to rush. It’s also vital to seek wise counsel. A trusted advisor who understands both financial realities and biblical stewardship can provide guidance, and bringing along a trusted friend or family member can offer needed perspective and emotional support. Finding Pu

Over the coming decades, women will steward a majority of the wealth being passed from one generation to the next. For many, that responsibility will arrive suddenly—during seasons of grief, transition, or new beginnings. Yet within that shift lies a remarkable opportunity for wise and faithful stewardship. Sharon Epps, President of Kingdom Advisors and cofounder of Women Doing Well , joins us on today’s show to share what she has learned after spending years studying this moment and walking alongside women as they step into it. A Quiet but Significant Shift Today, research consistently shows that women are inheriting a large portion of generational wealth. One primary reason is longevity—women often outlive their spouses by several years, placing financial responsibility squarely on their shoulders. In fact, nearly 95% of women will become the primary financial decision-maker at some point in their lives. Many step into that role unexpectedly, often while navigating grief, life transitions, or new responsibilities. The result is a profound shift happening quietly across generations—one with real implications for confidence, stewardship, and generosity. When Women Doing Well surveyed more than 7,300 Christian women—the largest study of its kind—one insight stood out: only about 6% felt confident or equipped to manage the resources God had entrusted to them. The issue wasn’t a lack of desire. It was a lack of clarity, confidence, and inclusion in financial conversations. Many women had the responsibility, but not the preparation. That gap can feel overwhelming, especially when decisions arrive suddenly. Generosity Is Already There One of the most encouraging discoveries from the research was this: Christian women are already remarkably generous. They give more of their time and money than many of their peers. The desire to live generously is not something that needs to be created—it’s already present. What many women want isn’t simply to give more, but to give well. The opportunity is to help generosity grow from clarity and confidence rather than from fear or obligation. A strong correlation emerged between biblical understanding and generosity. The more women understood stewardship—recognizing God as the Owner and themselves as managers—the more purpose-driven their giving became. Discipleship shifts generosity from pressure to purpose. It reminds us that giving is not a test to pass, but a response to God’s grace. From Overwhelm to Clarity: A Real Story One woman, whom we’ll call Clara, had always given generously. But after inheriting a significant sum of money, she felt pulled in every direction—“a dab here, a little there,” without a sense of impact. Through a process of discernment and clarity, she began narrowing her giving while increasing her investment in areas aligned with her calling. Her response captured the transformation: “You’ve given me the freedom to say no so I can say a better yes.” Clarity didn’t reduce her generosity—it deepened it. For many women, financial responsibility begins in the midst of grief. In those moments, wisdom matters. One helpful principle, often shared by trusted mentors, is this: avoid making drastic financial changes during the first year after a major loss. Decisions will need to be made, but there’s rarely a need to rush. It’s also vital to seek wise counsel. A trusted advisor who understands both financial realities and biblical stewardship can provide guidance, and bringing along a trusted friend or family member can offer needed perspective and emotional support. Finding Pu

Money has a way of making life feel complicated. Whether we’re facing major financial crossroads or simply trying to steward everyday expenses with wisdom, many of us default to figuring things out on our own. But Scripture reminds us that navigating life in isolation isn’t a sign of strength—it's often a barrier to wisdom. Proverbs 11:14 teaches that “where there is no guidance, a people falls, but in an abundance of counselors there is safety.” Wise counsel, especially when rooted in biblical truth, protects us from blind spots, emotional decision-making, and unnecessary regret. On this episode of Faith & Finance , Sharon Epps—President of Kingdom Advisors and a familiar voice to FaithFi listeners—joins us to explore why seeking counsel is an essential part of faithful stewardship. Sharon explains that while Scripture is our ultimate authority, God often uses people to speak wisdom into our lives. Advisors, mentors, and trustworthy peers help us see what we might otherwise miss, and their influence can redirect us toward obedience, humility, and clarity. Yet many believers hesitate to ask for help. Sharon acknowledges that reluctance often stems from pride—the subtle belief that we should be able to manage life independently. But asking for help is an act of faith, not weakness. It invites others to use the gifts God has given them and prevents us from making decisions based solely on fear, impulse, or confirmation bias. Drawing from the story of Rehoboam in 1 Kings 12, Sharon highlights the danger of listening only to voices that tell us what we want to hear. Rehoboam rejected the wisdom of seasoned counselors in favor of peers who affirmed his own desires—and the outcome was disastrous. The lesson is clear: godly counsel may not always feel comfortable, but it aligns us with God’s purposes and challenges us to pursue stewardship that honors Him. Sharon then offers practical guidance for how believers can seek wise counsel today. At times, this involves working with trained financial professionals—such as Certified Kingdom Advisors (CKA) —who integrate biblical wisdom with planning, investing, and long-term financial strategy. In other seasons, we need mentors who have walked ahead of us and can offer perspective, or peer friendships that speak truth with honesty and grace. Sometimes the right conversation happens over coffee; other times it requires prayer, pastoral guidance, and spiritual discernment. For those currently overwhelmed by a financial decision, Sharon’s simple encouragement is: don’t go it alone. Isolation amplifies anxiety, while community brings clarity. Invite trusted voices into the process, seek the Lord in prayer, and remember James 1:5—God gives wisdom generously to those who ask. Listeners interested in working with a financial professional trained to offer biblically faithful and practically sound counsel can connect with a Certified Kingdom Advisor (CKA) at FindACKA.com . On Today’s Program, Rob Answers Listener Questions: My husband and I aren’t always on the same page when it comes to money. We moved last year and kept our old house as a rental, which would cover both mortgages. He wants to pay off the rental, but the rental rate is under 4%, and the new house rate is almost 7%. Which mortgage should we pay down first, and how can we better approach our finances together? I’m 57 and retired. I want to invest something for my six-year-old grandson’s future—not just for college, but for when he’s older—and I want to make sure it can’t be accessed until then. What are my options? My 26-year-old son wants to buy his first home and doesn’t always take my advice. I want to

Money has a way of making life feel complicated. Whether we’re facing major financial crossroads or simply trying to steward everyday expenses with wisdom, many of us default to figuring things out on our own. But Scripture reminds us that navigating life in isolation isn’t a sign of strength—it's often a barrier to wisdom. Proverbs 11:14 teaches that “where there is no guidance, a people falls, but in an abundance of counselors there is safety.” Wise counsel, especially when rooted in biblical truth, protects us from blind spots, emotional decision-making, and unnecessary regret. On this episode of Faith & Finance , Sharon Epps—President of Kingdom Advisors and a familiar voice to FaithFi listeners—joins us to explore why seeking counsel is an essential part of faithful stewardship. Sharon explains that while Scripture is our ultimate authority, God often uses people to speak wisdom into our lives. Advisors, mentors, and trustworthy peers help us see what we might otherwise miss, and their influence can redirect us toward obedience, humility, and clarity. Yet many believers hesitate to ask for help. Sharon acknowledges that reluctance often stems from pride—the subtle belief that we should be able to manage life independently. But asking for help is an act of faith, not weakness. It invites others to use the gifts God has given them and prevents us from making decisions based solely on fear, impulse, or confirmation bias. Drawing from the story of Rehoboam in 1 Kings 12, Sharon highlights the danger of listening only to voices that tell us what we want to hear. Rehoboam rejected the wisdom of seasoned counselors in favor of peers who affirmed his own desires—and the outcome was disastrous. The lesson is clear: godly counsel may not always feel comfortable, but it aligns us with God’s purposes and challenges us to pursue stewardship that honors Him. Sharon then offers practical guidance for how believers can seek wise counsel today. At times, this involves working with trained financial professionals—such as Certified Kingdom Advisors (CKA) —who integrate biblical wisdom with planning, investing, and long-term financial strategy. In other seasons, we need mentors who have walked ahead of us and can offer perspective, or peer friendships that speak truth with honesty and grace. Sometimes the right conversation happens over coffee; other times it requires prayer, pastoral guidance, and spiritual discernment. For those currently overwhelmed by a financial decision, Sharon’s simple encouragement is: don’t go it alone. Isolation amplifies anxiety, while community brings clarity. Invite trusted voices into the process, seek the Lord in prayer, and remember James 1:5—God gives wisdom generously to those who ask. Listeners interested in working with a financial professional trained to offer biblically faithful and practically sound counsel can connect with a Certified Kingdom Advisor (CKA) at FindACKA.com . On Today’s Program, Rob Answers Listener Questions: My husband and I aren’t always on the same page when it comes to money. We moved last year and kept our old house as a rental, which would cover both mortgages. He wants to pay off the rental, but the rental rate is under 4%, and the new house rate is almost 7%. Which mortgage should we pay down first, and how can we better approach our finances together? I’m 57 and retired. I want to invest something for my six-year-old grandson’s future—not just for college, but for when he’s older—and I want to make sure it can’t be accessed until then. What are my options? My 26-year-old son wants to buy his first home and doesn’t always take my advice. I want to

The Bible contains many stories of God’s miraculous provision, but few are as rich and practical as the account of the widow’s oil in 2 Kings 4:1–7. Though only seven verses long, this passage offers profound insight into how God provides for His people—and how He invites them to participate in His provision. On today’s Faith & Finance , Sharon Epps, president of Kingdom Advisors , joined the program to unpack this story, one she often describes as a clear picture of “God’s part and our part” in stewardship. A Crisis That Drives a Cry for Help The story opens with a widow in dire circumstances. Her husband, a member of the company of prophets and a man who feared the Lord, has died, leaving behind unpaid debt. With no means to repay it, she risks losing her two sons to creditors. In desperation, she cries out to the prophet Elisha for help. His response begins with a question that shapes the entire story: “What do you have in your house?” Her answer is simple and heartbreaking—nothing, except a small jar of oil. God’s Part: The Source of Provision Sharon Epps notes that God’s role in this story is clear. The widow had no way to create oil, multiply it, or secure buyers for it. God alone supplied what was needed. “He was the provider of the oil,” Sharon explains, “and He also provided the buyers so the debt could be paid.” The widow’s increase came entirely from God, leaving no room for self-reliance or pride. This total dependence is part of the lesson. God’s provision is not something we manufacture; it is something we receive. The Widow’s Part: Obedience and Action While God provided the miracle, the widow was not passive. Sharon emphasizes that she played an important role. She: Asked for help Followed Elisha’s instructions Gathered empty jars Poured the oil Sold what God multiplied “She didn’t just wait for oil to appear,” Sharon notes. “She participated in the process.” This balance—God’s provision paired with human faithfulness—is a pattern we see throughout Scripture. Empty Jars and Expanding Faith One of Sharon’s favorite moments in the passage comes in verse three, when Elisha tells the widow to gather empty jars from her neighbors and adds, “Don’t ask for just a few.” The amount of oil multiplied was directly connected to the number of jars collected. When no vessels remained, the oil stopped flowing. Sharon describes the jars as a physical expression of faith. The widow’s willingness to gather more vessels created space for God’s provision. Stewardship Principles We Can Apply Today Sharon notes that God doesn’t work the same miracle in every life, but the same God is always at work. From this story, she highlights several principles that still apply: 1. God Is the Provider. Even our ability to work and earn comes from Him. We are always more dependent on God than we realize. 2. Faithfulness Is Our Responsibility. God calls us to be faithful with what He places in front of us today—even when it feels ordinary, frustrating, or uncertain. 3. Seek Wise Counsel. The widow didn’t isolate herself. She sought help from the prophet, reminding us that God often provides guidance through others. 4. Involve Your Family. The widow’s sons helped fill the jars. Including family in financial challenges can strengthen faith and allow everyone to witness God’s provision. 5. Don’t Bet on the Future. The widow’s hardship began with unresolved debt. Sharon encourages thoughtful financial planning that considers how decisions today could affect loved ones tomorrow. Are You the Widow—or the Neighbor With Jars?

The Bible contains many stories of God’s miraculous provision, but few are as rich and practical as the account of the widow’s oil in 2 Kings 4:1–7. Though only seven verses long, this passage offers profound insight into how God provides for His people—and how He invites them to participate in His provision. On today’s Faith & Finance , Sharon Epps, president of Kingdom Advisors , joined the program to unpack this story, one she often describes as a clear picture of “God’s part and our part” in stewardship. A Crisis That Drives a Cry for Help The story opens with a widow in dire circumstances. Her husband, a member of the company of prophets and a man who feared the Lord, has died, leaving behind unpaid debt. With no means to repay it, she risks losing her two sons to creditors. In desperation, she cries out to the prophet Elisha for help. His response begins with a question that shapes the entire story: “What do you have in your house?” Her answer is simple and heartbreaking—nothing, except a small jar of oil. God’s Part: The Source of Provision Sharon Epps notes that God’s role in this story is clear. The widow had no way to create oil, multiply it, or secure buyers for it. God alone supplied what was needed. “He was the provider of the oil,” Sharon explains, “and He also provided the buyers so the debt could be paid.” The widow’s increase came entirely from God, leaving no room for self-reliance or pride. This total dependence is part of the lesson. God’s provision is not something we manufacture; it is something we receive. The Widow’s Part: Obedience and Action While God provided the miracle, the widow was not passive. Sharon emphasizes that she played an important role. She: Asked for help Followed Elisha’s instructions Gathered empty jars Poured the oil Sold what God multiplied “She didn’t just wait for oil to appear,” Sharon notes. “She participated in the process.” This balance—God’s provision paired with human faithfulness—is a pattern we see throughout Scripture. Empty Jars and Expanding Faith One of Sharon’s favorite moments in the passage comes in verse three, when Elisha tells the widow to gather empty jars from her neighbors and adds, “Don’t ask for just a few.” The amount of oil multiplied was directly connected to the number of jars collected. When no vessels remained, the oil stopped flowing. Sharon describes the jars as a physical expression of faith. The widow’s willingness to gather more vessels created space for God’s provision. Stewardship Principles We Can Apply Today Sharon notes that God doesn’t work the same miracle in every life, but the same God is always at work. From this story, she highlights several principles that still apply: 1. God Is the Provider. Even our ability to work and earn comes from Him. We are always more dependent on God than we realize. 2. Faithfulness Is Our Responsibility. God calls us to be faithful with what He places in front of us today—even when it feels ordinary, frustrating, or uncertain. 3. Seek Wise Counsel. The widow didn’t isolate herself. She sought help from the prophet, reminding us that God often provides guidance through others. 4. Involve Your Family. The widow’s sons helped fill the jars. Including family in financial challenges can strengthen faith and allow everyone to witness God’s provision. 5. Don’t Bet on the Future. The widow’s hardship began with unresolved debt. Sharon encourages thoughtful financial planning that considers how decisions today could affect loved ones tomorrow. Are You the Widow—or the Neighbor With Jars?

“We love because He first loved us.” — 1 John 4:19 Those six simple words form the foundation of all Christian generosity. Every act of love, every gift we offer, every step of obedience begins with what God has already given to us. We don’t start by giving—we start by receiving. In this spirit, Sharon Epps, President of Kingdom Advisors , joined us for a meaningful conversation on the often-overlooked generosity of the women who financially supported Jesus. Their story, found in Luke 8, gives us a powerful picture of what grateful, gospel-shaped giving looks like. Women Who Supported Jesus Luke 8 opens with a glimpse into Jesus’ ministry on the move: “Soon afterward he went on through cities and villages, proclaiming and bringing the Good News of the Kingdom of God… and also some women… Mary called Magdalene… Joanna, the wife of Chuza, Herod’s household manager, and Susanna, and many others, who provided for them out of their means.” — Luke 8:1–3 These women formed part of Jesus’ traveling ministry team, and Scripture highlights an astonishing truth: they provided for Jesus and His disciples out of their own resources. Among them was Joanna, a woman of high social standing and significant wealth. As the wife of King Herod’s household manager, she lived with privilege—but Scripture also tells us she was once spiritually and physically broken. Jesus healed her, and her generosity flowed from that transformation. Receiving Always Comes Before Giving Before Joanna gave to Jesus, she received from Jesus. Sharon points out that Luke intentionally includes this detail: these women had been healed—spiritually, emotionally, or physically—before they supported Jesus’ ministry. It reminds us that money alone can’t solve the deepest problems of the heart. We all begin our stewardship journey by receiving. At the most basic level, every good thing in our lives is a gift from God: The breath in our lungs The abilities we develop The resources we hold The love we experience As Paul writes in 1 Corinthians 4:7, “What do you have that you did not receive?” The answer is nothing. Giving, then, is designed to be a response—a natural overflow of gratitude. Joanna’s Love for Jesus Joanna’s story doesn’t end in Luke 8. We meet her again in Luke 24 at the empty tomb, heartbroken and confused, until the angels remind her of Jesus’ words. Joanna becomes one of the first witnesses of the resurrection, running with Mary Magdalene and Mary, the mother of James, to tell the apostles. Her pattern is clear: She received from Jesus. She loved Jesus. And she gave to honor Jesus. Her generosity was not transactional—it was relational. It was the fruit of a transformed life. Generosity as a Journey Sharon suggests that generosity is never a one-time event—it’s a journey. As our relationship with Christ deepens, our giving naturally grows. Joanna shows us what sacrificial generosity looks like when it springs from grateful love. To make this practical, Sharon shared three questions she’s been asking herself—questions all of us can ask: 1. What do I need to recognize as a gift from Christ before I can give generously? Do I see what’s in my hands as mine—or as His? 2. Is my giving safe or sacrificial? Does my generosity reflect comfort… or love? 3. What does my current giving say about how well I’ve received? Giving reveals the condition of the heart. These questions invite us into deeper intimacy with Jesus, because generous living always begins with grateful receiving. Becoming Conduits of Christ’s Love Joanna’s life encourages us to see generosity not as a duty but as a joyful response to God’s grace. As Sharon put

“We love because He first loved us.” — 1 John 4:19 Those six simple words form the foundation of all Christian generosity. Every act of love, every gift we offer, every step of obedience begins with what God has already given to us. We don’t start by giving—we start by receiving. In this spirit, Sharon Epps, President of Kingdom Advisors , joined us for a meaningful conversation on the often-overlooked generosity of the women who financially supported Jesus. Their story, found in Luke 8, gives us a powerful picture of what grateful, gospel-shaped giving looks like. Women Who Supported Jesus Luke 8 opens with a glimpse into Jesus’ ministry on the move: “Soon afterward he went on through cities and villages, proclaiming and bringing the Good News of the Kingdom of God… and also some women… Mary called Magdalene… Joanna, the wife of Chuza, Herod’s household manager, and Susanna, and many others, who provided for them out of their means.” — Luke 8:1–3 These women formed part of Jesus’ traveling ministry team, and Scripture highlights an astonishing truth: they provided for Jesus and His disciples out of their own resources. Among them was Joanna, a woman of high social standing and significant wealth. As the wife of King Herod’s household manager, she lived with privilege—but Scripture also tells us she was once spiritually and physically broken. Jesus healed her, and her generosity flowed from that transformation. Receiving Always Comes Before Giving Before Joanna gave to Jesus, she received from Jesus. Sharon points out that Luke intentionally includes this detail: these women had been healed—spiritually, emotionally, or physically—before they supported Jesus’ ministry. It reminds us that money alone can’t solve the deepest problems of the heart. We all begin our stewardship journey by receiving. At the most basic level, every good thing in our lives is a gift from God: The breath in our lungs The abilities we develop The resources we hold The love we experience As Paul writes in 1 Corinthians 4:7, “What do you have that you did not receive?” The answer is nothing. Giving, then, is designed to be a response—a natural overflow of gratitude. Joanna’s Love for Jesus Joanna’s story doesn’t end in Luke 8. We meet her again in Luke 24 at the empty tomb, heartbroken and confused, until the angels remind her of Jesus’ words. Joanna becomes one of the first witnesses of the resurrection, running with Mary Magdalene and Mary, the mother of James, to tell the apostles. Her pattern is clear: She received from Jesus. She loved Jesus. And she gave to honor Jesus. Her generosity was not transactional—it was relational. It was the fruit of a transformed life. Generosity as a Journey Sharon suggests that generosity is never a one-time event—it’s a journey. As our relationship with Christ deepens, our giving naturally grows. Joanna shows us what sacrificial generosity looks like when it springs from grateful love. To make this practical, Sharon shared three questions she’s been asking herself—questions all of us can ask: 1. What do I need to recognize as a gift from Christ before I can give generously? Do I see what’s in my hands as mine—or as His? 2. Is my giving safe or sacrificial? Does my generosity reflect comfort… or love? 3. What does my current giving say about how well I’ve received? Giving reveals the condition of the heart. These questions invite us into deeper intimacy with Jesus, because generous living always begins with grateful receiving. Becoming Conduits of Christ’s Love Joanna’s life encourages us to see generosity not as a duty but as a joyful response to God’s grace. As Sharon put

The most generous people give something money can’t buy—their time, their presence, and their love. Generosity reaches far beyond finances. It shapes hearts, strengthens families, and builds communities of grace. Today, Sharon Epps joins us to talk about the long-term impact of generous living. Sharon Epps is the President of Kingdom Advisors , FaithFi ’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. A Simple Question That Changes Everything If you’ve ever wondered what true generosity looks like, it’s often simpler—and closer to home—than we think. Generosity isn’t measured by dollar amounts or estate plans; it’s written on the faces and in the actions of people who live with open hearts. In fact, if you ask someone a simple question like this, you will move their hearts more than you know: “Think about the most generous person you know. What do they look like? What’s their countenance? Their posture?” Take a moment to picture them. Chances are, their face lights up your mind’s eye. They’re probably joyful, peaceful, genuine—and not necessarily wealthy. That’s because generosity is about heart, not income. It’s about presence, not possessions. When we make generosity personal, it changes us. We stop thinking in abstract ideas and start remembering real people who gave freely of themselves—and in doing so, reflected the heart of Christ. When this question is asked, the answers are often the same: a grandparent, an aunt, an uncle—someone who gave of themselves through love, laughter, and listening. These aren’t people who built foundations or donated millions. They modeled generosity through steady love and consistency. That’s what long-term generosity looks like. It starts at home and grows outward. Redefining Long-Term Impact When we hear “long-term impact,” our minds often jump to wills, trusts, or endowments. Those are important tools, but they’re not the whole story. True long-term impact happens when we invest our lives , not just our assets . Every day, we have the chance to sow generosity through acts of service, hospitality, and encouragement. These simple seeds—when planted faithfully—bear fruit that outlasts any financial gift because they grow in people’s hearts. If you long to leave a legacy of generosity, start small. Serve one person this week. Ask God to show you where you can listen, encourage, or help. Be steady and intentional. Generosity grows through daily habits, not grand gestures. Practice generosity with time and words. The way you invest relationally today can change someone’s tomorrow. Over time, those small acts of faithfulness will shape the kind of life others remember as generous. Generosity is most powerful when it’s shared. Families that give together cultivate hearts that reflect God’s heart. Take your children with you when you serve at a food pantry. Let them see generosity in action. Talk about giving not as an obligation but as a joyful response to God’s grace. A Practical Tool for Giving One practical way to make giving intentional is through a donor-advised fund—or what our friends at the National Christian Foundation call a Giving Fund . It’s like a charitable checking account where you can deposit money now and prayerfully decide later how to di

The most generous people give something money can’t buy—their time, their presence, and their love. Generosity reaches far beyond finances. It shapes hearts, strengthens families, and builds communities of grace. Today, Sharon Epps joins us to talk about the long-term impact of generous living. Sharon Epps is the President of Kingdom Advisors , FaithFi ’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. A Simple Question That Changes Everything If you’ve ever wondered what true generosity looks like, it’s often simpler—and closer to home—than we think. Generosity isn’t measured by dollar amounts or estate plans; it’s written on the faces and in the actions of people who live with open hearts. In fact, if you ask someone a simple question like this, you will move their hearts more than you know: “Think about the most generous person you know. What do they look like? What’s their countenance? Their posture?” Take a moment to picture them. Chances are, their face lights up your mind’s eye. They’re probably joyful, peaceful, genuine—and not necessarily wealthy. That’s because generosity is about heart, not income. It’s about presence, not possessions. When we make generosity personal, it changes us. We stop thinking in abstract ideas and start remembering real people who gave freely of themselves—and in doing so, reflected the heart of Christ. When this question is asked, the answers are often the same: a grandparent, an aunt, an uncle—someone who gave of themselves through love, laughter, and listening. These aren’t people who built foundations or donated millions. They modeled generosity through steady love and consistency. That’s what long-term generosity looks like. It starts at home and grows outward. Redefining Long-Term Impact When we hear “long-term impact,” our minds often jump to wills, trusts, or endowments. Those are important tools, but they’re not the whole story. True long-term impact happens when we invest our lives , not just our assets . Every day, we have the chance to sow generosity through acts of service, hospitality, and encouragement. These simple seeds—when planted faithfully—bear fruit that outlasts any financial gift because they grow in people’s hearts. If you long to leave a legacy of generosity, start small. Serve one person this week. Ask God to show you where you can listen, encourage, or help. Be steady and intentional. Generosity grows through daily habits, not grand gestures. Practice generosity with time and words. The way you invest relationally today can change someone’s tomorrow. Over time, those small acts of faithfulness will shape the kind of life others remember as generous. Generosity is most powerful when it’s shared. Families that give together cultivate hearts that reflect God’s heart. Take your children with you when you serve at a food pantry. Let them see generosity in action. Talk about giving not as an obligation but as a joyful response to God’s grace. A Practical Tool for Giving One practical way to make giving intentional is through a donor-advised fund—or what our friends at the National Christian Foundation call a Giving Fund . It’s like a charitable checking account where you can deposit money now and prayerfully decide later how to di

Women control more wealth than ever—so how do you find an advisor who listens, explains clearly, and shares your values? According to McKinsey & Company , by 2030, women are expected to control nearly two-thirds of U.S. assets—around $30 trillion. With that kind of stewardship comes both opportunity and responsibility. Today, Sharon Epps joins us to share five simple practices that women should expect from their financial advisors. Sharon Epps is the President of Kingdom Advisors , FaithFi ’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. Key Practices Every Client Should Look For When it comes to choosing a financial advisor, women don’t need a different standard—they simply need the right standard done well. At Kingdom Advisors , we train Certified Kingdom Advisors (CKAs®) to integrate biblical wisdom into their practices while also serving clients with excellence and care. If you’re interviewing an advisor, here are five practices to watch for. These principles will help you find someone who not only understands finances but also values clarity, empathy, and shared purpose. 1. Clear Terminology Financial jargon can be overwhelming. Terms like RIA or CFP® often make sense only to industry insiders. A good advisor should be able to pause, explain concepts in everyday language, and use analogies that make complex ideas easier to understand. Look for someone who welcomes your questions and ensures you truly understand the path forward. 2. A Warm and Welcoming Environment We often say to “light a candle”—not literally, but figuratively. The goal is to create a space that feels safe and welcoming, rather than intimidating. Just like hotels offer warm cookies to make guests feel at home, a thoughtful advisor will create an environment where you feel respected and comfortable. 3. Transparency in All Things An advisor has a fiduciary responsibility to be transparent—but the best ones go beyond compliance. They openly share how they are compensated, outline every fee on paper, and invite accountability. As a client, don’t hesitate to ask where you can see these details clearly documented. 4. Interest in More Than Money We teach advisors to “use a magnifying glass”—to look beyond the numbers. Money is simply a tool to help you fulfill God’s calling on your life. A trusted advisor should ask about your values, dreams, and purposes—not just your portfolio. That’s why the CKA® designation is so important: it connects you with advisors who share your values and can integrate them into financial decisions. 5. Developing God’s Heart for the Whole Person The most important practice is what we call whole-person care. Advisors aren’t just money managers—they’re disciple-makers. They should walk alongside you and your family in prayer, through significant life transitions, and in building unity between spouses. Women’s voices should be heard and respected just as much as men’s in every financial conversation. Our prayer is that these five practices give you confidence as you search for the right advisor. You deserve clarity, empathy, and values that align with your faith. If you’d like to find a Certified Kingdom Advisor in your area, visit FindaCKA.com . On Today’s Program, Rob Answers Listener Questions: Back in 2018, my home insurance company agreed to replace my roof. In 2020, contractors found I also ne

Women control more wealth than ever—so how do you find an advisor who listens, explains clearly, and shares your values? According to McKinsey & Company , by 2030, women are expected to control nearly two-thirds of U.S. assets—around $30 trillion. With that kind of stewardship comes both opportunity and responsibility. Today, Sharon Epps joins us to share five simple practices that women should expect from their financial advisors. Sharon Epps is the President of Kingdom Advisors , FaithFi ’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. Key Practices Every Client Should Look For When it comes to choosing a financial advisor, women don’t need a different standard—they simply need the right standard done well. At Kingdom Advisors , we train Certified Kingdom Advisors (CKAs®) to integrate biblical wisdom into their practices while also serving clients with excellence and care. If you’re interviewing an advisor, here are five practices to watch for. These principles will help you find someone who not only understands finances but also values clarity, empathy, and shared purpose. 1. Clear Terminology Financial jargon can be overwhelming. Terms like RIA or CFP® often make sense only to industry insiders. A good advisor should be able to pause, explain concepts in everyday language, and use analogies that make complex ideas easier to understand. Look for someone who welcomes your questions and ensures you truly understand the path forward. 2. A Warm and Welcoming Environment We often say to “light a candle”—not literally, but figuratively. The goal is to create a space that feels safe and welcoming, rather than intimidating. Just like hotels offer warm cookies to make guests feel at home, a thoughtful advisor will create an environment where you feel respected and comfortable. 3. Transparency in All Things An advisor has a fiduciary responsibility to be transparent—but the best ones go beyond compliance. They openly share how they are compensated, outline every fee on paper, and invite accountability. As a client, don’t hesitate to ask where you can see these details clearly documented. 4. Interest in More Than Money We teach advisors to “use a magnifying glass”—to look beyond the numbers. Money is simply a tool to help you fulfill God’s calling on your life. A trusted advisor should ask about your values, dreams, and purposes—not just your portfolio. That’s why the CKA® designation is so important: it connects you with advisors who share your values and can integrate them into financial decisions. 5. Developing God’s Heart for the Whole Person The most important practice is what we call whole-person care. Advisors aren’t just money managers—they’re disciple-makers. They should walk alongside you and your family in prayer, through significant life transitions, and in building unity between spouses. Women’s voices should be heard and respected just as much as men’s in every financial conversation. Our prayer is that these five practices give you confidence as you search for the right advisor. You deserve clarity, empathy, and values that align with your faith. If you’d like to find a Certified Kingdom Advisor in your area, visit FindaCKA.com . On Today’s Program, Rob Answers Listener Questions: Back in 2018, my home insurance company agreed to replace my roof. In 2020, contractors found I also ne

What if the greatest gift you leave your children isn’t your money, but your wisdom? As stewards, we often focus on managing God’s resources well during our lifetime—but what happens after we’re gone? How do we equip the next generation to carry on a legacy of faithful stewardship? Today, Sharon Epps joins us to talk about that. Sharon Epps is the President of Kingdom Advisors , FaithFi ’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. Recognizing God’s Design in Our Children At FaithFi , we frequently emphasize the importance of being faithful stewards of what God has entrusted to us. But there’s a deeper question to consider: What about the next steward? Proverbs 13:22 tells us, “A good man leaves an inheritance to his children’s children.” While an inheritance can be a blessing, without preparation, it can also lead to conflict. That’s why we need to think carefully not just about passing on wealth, but also about passing on wisdom. One of the earliest ways to prepare the next steward is to recognize and nurture a child’s God-given giftedness. God created us to work, and part of stewardship is discovering how He’s uniquely wired us. Each child’s journey is unique, and our role as parents is to walk alongside them, offer opportunities, and pray that God will reveal their strengths. Giving Hands-On Money Management Opportunities Every parent knows how painful it is to watch their children make poor choices—especially when it comes to money. But it’s so vital that we allow our kids to experience the natural consequences of their decisions. Wisdom grows when kids practice responsibility with real resources. That’s why it’s a good goal to aim for our children to manage a full spending plan before leaving home, whether that’s for college or to move out on their own. Starting with a simple envelope system—give, save, and spend—you can gradually add more categories as the kids grow. By the time they become young adults, they will have managed nearly all of their expenses except housing and insurance. This hands-on approach will ensure that by the time they launch into independence, they will not be starting from scratch. Starting Late? Don’t Lose Heart If you feel behind in teaching your kids about stewardship, give yourself grace. None of us does this perfectly. Start with small steps—a dinner conversation about your own money journey, or letting your child help plan a family purchase. What matters is being intentional and inviting the Lord to guide the process. Preparing the next steward is not a one-time event—it’s a journey. Begin with prayer, asking God for wisdom, and do not hesitate to seek help from trusted friends, mentors, or financial professionals. And remember: more is caught than taught. Our children are learning as much from how we live as from what we say. By modeling faithful stewardship in our own lives, we give them the greatest inheritance of all: a life that reflects God’s wisdom and trust in His provision. If you’re looking for support in preparing your children to be wise stewards, consider working with a Certified Kingdom Advisor (CKA) —someone who shares your values and can guide you on the journey. Visit FaithFi.com and click “Find a Professional” to get started. On Today’s Program, Rob Answers Listener Questions: I left an employer five years ago and still have a pension with them. I also have an IRA. My wife and I are deciding whether to roll the pension into

What if the greatest gift you leave your children isn’t your money, but your wisdom? As stewards, we often focus on managing God’s resources well during our lifetime—but what happens after we’re gone? How do we equip the next generation to carry on a legacy of faithful stewardship? Today, Sharon Epps joins us to talk about that. Sharon Epps is the President of Kingdom Advisors , FaithFi ’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. Recognizing God’s Design in Our Children At FaithFi , we frequently emphasize the importance of being faithful stewards of what God has entrusted to us. But there’s a deeper question to consider: What about the next steward? Proverbs 13:22 tells us, “A good man leaves an inheritance to his children’s children.” While an inheritance can be a blessing, without preparation, it can also lead to conflict. That’s why we need to think carefully not just about passing on wealth, but also about passing on wisdom. One of the earliest ways to prepare the next steward is to recognize and nurture a child’s God-given giftedness. God created us to work, and part of stewardship is discovering how He’s uniquely wired us. Each child’s journey is unique, and our role as parents is to walk alongside them, offer opportunities, and pray that God will reveal their strengths. Giving Hands-On Money Management Opportunities Every parent knows how painful it is to watch their children make poor choices—especially when it comes to money. But it’s so vital that we allow our kids to experience the natural consequences of their decisions. Wisdom grows when kids practice responsibility with real resources. That’s why it’s a good goal to aim for our children to manage a full spending plan before leaving home, whether that’s for college or to move out on their own. Starting with a simple envelope system—give, save, and spend—you can gradually add more categories as the kids grow. By the time they become young adults, they will have managed nearly all of their expenses except housing and insurance. This hands-on approach will ensure that by the time they launch into independence, they will not be starting from scratch. Starting Late? Don’t Lose Heart If you feel behind in teaching your kids about stewardship, give yourself grace. None of us does this perfectly. Start with small steps—a dinner conversation about your own money journey, or letting your child help plan a family purchase. What matters is being intentional and inviting the Lord to guide the process. Preparing the next steward is not a one-time event—it’s a journey. Begin with prayer, asking God for wisdom, and do not hesitate to seek help from trusted friends, mentors, or financial professionals. And remember: more is caught than taught. Our children are learning as much from how we live as from what we say. By modeling faithful stewardship in our own lives, we give them the greatest inheritance of all: a life that reflects God’s wisdom and trust in His provision. If you’re looking for support in preparing your children to be wise stewards, consider working with a Certified Kingdom Advisor (CKA) —someone who shares your values and can guide you on the journey. Visit FaithFi.com and click “Find a Professional” to get started. On Today’s Program, Rob Answers Listener Questions: I left an employer five years ago and still have a pension with them. I also have an IRA. My wife and I are deciding whether to roll the pension into

In C.S. Lewis’s The Lion, the Witch and the Wardrobe, Aslan tells Lucy, “Things never happen the same way twice.” It’s a good reminder that life brings changes. They’re unavoidable, but how we choose to meet them is up to us. Sharon Epps joins us today with sage advice about preparing for life’s transitions. Sharon Epps is the President of Kingdom Advisors , FaithFi ’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. Lessons from Narnia C.S. Lewis’s Chronicles of Narnia holds a surprising amount of wisdom for real life. In one poignant scene, Aslan comforts Lucy Pevensie about the changes she and her siblings are facing. “Things never happen the same way twice,” Aslan tells her. Change is constant, and each new season requires fresh wisdom. Even when we’re no longer in school, the rhythms of August to May still shape our lives and planning. When Life Goes Into Transition, Money Goes Into Motion Financial author Mitch Anthony says it best: “Money goes into motion when life goes into transition.” Whether you’re sending a child off to college, caring for aging parents, or planning a move, each change brings financial decisions with it. Here are five strategies to help us steward these moments well: 1. Pray for Wisdom Every new season needs fresh wisdom. You can learn the hard way through pain or the better way through prayer. Proverbs 3:6 reminds us: “In all your ways acknowledge Him, and He will make your paths straight.” 2. Seek Godly Counsel Learn from those who’ve been there. If you’re sending your first child to college, ask parents of graduates what they’d do differently. Their experience can save you time, money, and stress. 3. Plan the Financial Details of the Transition With college, for example, have you clarified who will cover living expenses? Will your child work part-time? Will you offer a monthly stipend? Define expectations now to avoid confusion later. 4. Prepare for the Unexpected Things rarely go according to plan. What if your child runs out of money mid-semester? Do you have an emergency fund? Thinking through these “what ifs” now builds resilience. 5. Communicate Ahead of Time Good communication brings clarity and accountability. Whether you’re dealing with a child, a spouse, or a realtor, the earlier you clarify financial expectations, the smoother the transition will be. These five practices are simple but powerful. They’ll help you stay grounded through every kind of life change. And remember, God doesn’t just care about what we go through—He cares about how we go through it. Let’s walk into our next season with prayerful wisdom, godly counsel, and faithful stewardship. On Today’s Program, Rob Answers Listener Questions: I’m new to investing and want to understand the basics of the stock market, as well as how to avoid scams. I’m considering buying precious metals to pass on to my children and grandchildren. What’s the best way for them to sell or redeem them in the future? If I give to animal charities, does that count as tithing? Or is tithing meant specifically to support ministries focused on people? Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner) Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety <a href="https://www.faithfi.com/

In C.S. Lewis’s The Lion, the Witch and the Wardrobe, Aslan tells Lucy, “Things never happen the same way twice.” It’s a good reminder that life brings changes. They’re unavoidable, but how we choose to meet them is up to us. Sharon Epps joins us today with sage advice about preparing for life’s transitions. Sharon Epps is the President of Kingdom Advisors , FaithFi ’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. Lessons from Narnia C.S. Lewis’s Chronicles of Narnia holds a surprising amount of wisdom for real life. In one poignant scene, Aslan comforts Lucy Pevensie about the changes she and her siblings are facing. “Things never happen the same way twice,” Aslan tells her. Change is constant, and each new season requires fresh wisdom. Even when we’re no longer in school, the rhythms of August to May still shape our lives and planning. When Life Goes Into Transition, Money Goes Into Motion Financial author Mitch Anthony says it best: “Money goes into motion when life goes into transition.” Whether you’re sending a child off to college, caring for aging parents, or planning a move, each change brings financial decisions with it. Here are five strategies to help us steward these moments well: 1. Pray for Wisdom Every new season needs fresh wisdom. You can learn the hard way through pain or the better way through prayer. Proverbs 3:6 reminds us: “In all your ways acknowledge Him, and He will make your paths straight.” 2. Seek Godly Counsel Learn from those who’ve been there. If you’re sending your first child to college, ask parents of graduates what they’d do differently. Their experience can save you time, money, and stress. 3. Plan the Financial Details of the Transition With college, for example, have you clarified who will cover living expenses? Will your child work part-time? Will you offer a monthly stipend? Define expectations now to avoid confusion later. 4. Prepare for the Unexpected Things rarely go according to plan. What if your child runs out of money mid-semester? Do you have an emergency fund? Thinking through these “what ifs” now builds resilience. 5. Communicate Ahead of Time Good communication brings clarity and accountability. Whether you’re dealing with a child, a spouse, or a realtor, the earlier you clarify financial expectations, the smoother the transition will be. These five practices are simple but powerful. They’ll help you stay grounded through every kind of life change. And remember, God doesn’t just care about what we go through—He cares about how we go through it. Let’s walk into our next season with prayerful wisdom, godly counsel, and faithful stewardship. On Today’s Program, Rob Answers Listener Questions: I’m new to investing and want to understand the basics of the stock market, as well as how to avoid scams. I’m considering buying precious metals to pass on to my children and grandchildren. What’s the best way for them to sell or redeem them in the future? If I give to animal charities, does that count as tithing? Or is tithing meant specifically to support ministries focused on people? Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner) Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety <a href="https://www.faithfi.com/

"Plans fail for lack of counsel, but with many advisers they succeed." — Proverbs 15:22 When it comes to managing money wisely, many of us could use some help, but how do you know you’ve found the right financial advisor? Today, we’ll explore a few key questions you should ask when hiring someone to help you with your financial decisions. Sharon Epps is here to help us navigate that process. Sharon Epps is the President of Kingdom Advisors , FaithFi ’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. How to Find a Financial Advisor Who Aligns With Your Faith Finding a financial advisor can be overwhelming, but it doesn’t have to be. With the right questions and a clear framework, you can confidently choose someone who aligns with your values, demonstrates technical competence, and offers a transparent process. Here are three things to consider when hiring a financial advisor who shares your faith and values. 1. Values Alignment: Do They Share Your Worldview? The most important starting point is finding an advisor whose faith informs their advice. There’s a big difference between an advisor who is a Christian and one who actively discusses financial decision-making through a biblical lens. Key Questions to Ask: What role does faith play in your financial advice? How do you define financial success? You’re listening for more than a respectful nod toward your faith. You want to know if they see money as a tool for stewardship, generosity, and Kingdom impact, not just a means of personal gain. 2. Competency: Are They Qualified to Serve You? Once values are aligned, it is essential to ensure the advisor has the technical skills and experience necessary to guide your financial decisions. Look for: Industry certifications (like CFP®, CPA, CKA®, etc.) Experience working with clients in your stage of life Key Question to Ask: Can you tell me about clients you’ve served who are in a similar situation to mine? Good advisors won’t name names, but they should be able to share stories of impact that demonstrate how they’ve helped people like you. 3. Process & Compensation: Are They Transparent and Clear? A trustworthy advisor will be open about how they make money and how they work with clients. Key Questions to Ask: Can you explain how you're compensated—fees, commissions, or both—for someone like me? What is your process for creating a financial plan? They should be able to explain their step-by-step approach, timeline, and what you’ll need to provide—all in clear, understandable terms. You want someone with “the heart of a teacher.” Ready to Find an Advisor? If you’re beginning your search—or even considering reevaluating your current advisor—you can start at FaithFi.com . Click on “Find a Professional” to locate a Certified Kingdom Advisor® (CKA®) near you. These advisors have been vetted for: Biblical worldview Integrity Technical excellence You’ll also find a free downloadable PDF with suggested interview questions to help guide your search. You can rehire your advisor every year, and it’s wise stewardship to evaluate that relationship regularly. When advisors undergo CKA® training , they begin to carry the weight of stewardship—not only

“The Lord is good to those who wait for him, to the soul who seeks him.” - Lamentations 3:25 We all make plans, but life doesn’t always go as expected. Missed expectations can be painful, especially when we’ve done everything “right.” But even in the waiting, God is still at work. Sharon Epps joins us today to share how we can wait with faith and walk forward with hope. Sharon Epps is the President of Kingdom Advisors , FaithFi ’s parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise. When Life Doesn’t Go According to Plan Whether it's the market underperforming, a medical bill that derails your finances, or family tension after a loved one’s passing, unmet expectations can leave us reeling. But the greatest missed expectation in human history was the cross. The disciples expected a triumphant king. Instead, they watched their Savior crucified. In Luke 19:37, they praised Him; days later, they scattered in despair. In that gap between what we hoped for and what we received, we often wrestle with fear, frustration, or confusion. But it’s there, right in the void, that God meets us. When our expectations are shattered, our reactions often fall into two extremes: Resignation: We lower our expectations to avoid disappointment, but in doing so, we risk losing hope altogether. Control: We force outcomes, striving and manipulating circumstances to regain a sense of stability. Neither path leads to peace. Instead, God offers a different way: waiting, but not the passive, idle kind. Psalm 27:14 says, “Wait for the Lord; be strong, and let your heart take courage; wait for the Lord!” Biblical waiting is an active stance of trust. Pastor Kevin Queen once said, “The work God wants to do in us while we wait is as important as what we are waiting for.” Sometimes, unmet expectations reveal that our desires need to be realigned. Other times, God uses the delay to do work in us or others that couldn’t happen any other way. Practical Steps for Seasons of Waiting Drawing from the book of Habakkuk, here are three practical steps for navigating seasons of waiting: Acknowledge God is at work – Even if you can’t see it. Habakkuk 1:5 reminds us, “I am doing a work in your days that you would not believe if told.” Change your perspective – Ask God to help you see things from His perspective. Sometimes, hope is just a matter of viewpoint. Worship in the waiting – Worship reorients our hearts. It reminds us who God is and keeps us anchored in His character rather than our circumstances. For those walking through disappointment today, remember that God is not absent in your waiting. He is shaping, teaching, and preparing you for something greater—sometimes in ways you may not yet understand. And that’s not just a consolation—it’s a promise. On Today’s Program, Rob Answers Listener Questions: Does giving to animal charities count as tithing, or is tithing explicitly meant for giving to help people? I heard that disability and SSI are going to increase their monthly payments. Is this true? I recently sold a house and didn't give the whole tithe I intended. My financial advisor suggested waiting until a CD matures in July to avoid taxes. Should I wait to give the tithe, or give it now? Resources Mentioned: Faithful Steward: FaithFi’s New Quarterly Magazine Christian Community Credit Union (CCCU) <a href="https://www.faithfi.com/shop/w