FAQs

We primarily work with individuals, families, and organizations who have accumulated meaningful assets and want thoughtful, long-term financial planning. Most of the clients we serve are in midlife or approaching retirement and are navigating increased responsibilities related to family, work, and legacy.

In practice, this means we are best suited for clients who value clarity, discipline, and an ongoing advisory relationship rather than one-time advice or transactional services.

Most clients we work with have $1,000,000 or more in investable assets, though minimums may vary depending on complexity, planning needs, and advisor availability.

Because our work is planning-intensive and relationship-focused, we prioritize engagements where we can provide meaningful, long-term value. In some cases, we may refer individuals to other advisors when another arrangement is a better fit.

No. While many of the individuals, families, and organizations we serve are Catholic, we do not limit our practice to any one faith background.

Our team’s formation and approach are shaped by a Catholic understanding of stewardship, responsibility, and long-term purpose. As a result, our work often resonates with clients who share those values. That said, we are happy to work with anyone who wants to approach financial decisions thoughtfully and use their resources intentionally for the good of their family, work, and community.

Our planning approach is grounded in a broad understanding of stewardship, responsibility, and long-term purpose. For many clients, this naturally aligns with Christian principles of caring for family, community, and the common good.

When clients express interest in ethical or faith-aligned investing, we use established moral frameworks—such as the U.S. Conference of Catholic Bishops’ Socially Responsible Investment Guidelines—as a guide for discussion and discernment. These frameworks inform how we think about values, while investment strategies themselves remain grounded in sound financial principles.

We do not offer proprietary faith-based products or guarantee that any investment strategy will satisfy every individual’s personal beliefs.

Instead, we help clients understand how values can be thoughtfully incorporated into an overall financial plan and investment strategy—balancing ethical considerations, diversification, risk management, and long-term objectives. Our role is to help clients think clearly about tradeoffs, not to prescribe a one-size-fits-all solution. 

Comprehensive financial planning means looking at your financial life as an integrated whole rather than as a collection of separate accounts or decisions.

This includes coordinating cash flow, investments, retirement planning, risk management, estate considerations, and long-term care planning. The goal is to help clients make decisions in context—so choices are aligned with long-term priorities rather than short-term pressures.

Our process begins with a complimentary financial planning engagement designed to understand both the objective and subjective aspects of your situation.

If you choose to implement recommendations with our team, compensation depends on the services provided. Ongoing advisory relationships are typically compensated through an advisory fee based on assets under management, which we view as compensation for ongoing, comprehensive financial planning and guidance, not simply investment management. Insurance solutions, when appropriate, are compensated through commissions paid by the insurance company. In select cases, we may also offer standalone, fee-based financial planning.

There is no obligation to implement recommendations, and compensation is only earned when services are provided.

The initial conversation is simply an opportunity to understand your situation, goals, and concerns—and for you to learn more about how we work.

There is no preparation required and no pressure to move forward. The purpose of the conversation is to determine whether a planning relationship with Emmaus Financial Group would be a good fit.

Our work is centered on planning, not transactions or algorithms.

Unlike platforms that focus primarily on investments, we take a coordinated, long-term approach that integrates financial planning, portfolio strategy, risk management, and ongoing guidance. Our role is to help clients navigate complex decisions with clarity and discipline—especially through changing seasons of life.

Many firms focus primarily on aligning investments with specific screens or criteria. While that can be important and is a priority for many of our clients, we believe faithful stewardship requires a broader view.

Our work centers on helping people make wise financial decisions across every stage of life—integrating planning, strategy, and values into one cohesive approach. 

Yes. We work with clients throughout the United States, across multiple states and time zones.

Our team is licensed to serve clients nationwide, and much of our planning and advisory work is done virtually. This allows us to support individuals, families, and organizations wherever they live while maintaining a personal, values-aligned approach.

Our practice may not be the best fit for individuals looking for one-time advice, short-term investment recommendations, or highly transactional relationships.

We are best suited for clients who value long-term planning, ongoing guidance, and disciplined decision-making over time.