GuideStream Financial is a financial services company offering comprehensive financial planning, focused retirement planning, and diversified investment management with the goal of helping you experience the hope, peace, and joy of building your financial life to its God-given potential.
Comprehensive Financial Planning
Beginning with hearing your story and defining your goals, our financial advisers can help you develop and execute a comprehensive financial plan that helps you create financial SECURITY and build legacy opportunities.
Focused Retirement Planning
Our financial advisers can provide GUIDANCE to help you determine your retirement readiness and chart a path for retirement success.
Diversified Investment Management
We craft portfolios directly aligned with your long-term goals for RESULTS that help you accomplish your financial goals at every stage of life and have the positive impact you desire on your family and community.
Who We Are
GuideStream is a Registered Investment Advisor established by FM Financial, the financial services ministry of The Free Methodist Church – USA.
Our team consists of credentialed financial professionals who care as much about stewardship and mission as returns and retirement. They combine technical expertise and professional support with a biblical stewardship perspective to effectively help you manage the resources entrusted to your care.
Our goal is for you to experience …
Hope
The HOPE that comes from having a solid financial plan in place and gaining clarity around your financial future.
Peace
The PEACE that comes from working with a financial adviser who shares your stewardship perspective and walks with you all along the way.
Joy
The JOY of accomplishing your financial goals while living a life and leaving a legacy of Stewardship Well Done.
Our Process
Step 1
Schedule a call with a financial adviser to begin building your personalized financial plan.
Step 2
Execute your plan and make adjustments as life happens.
Step 3
Experience the hope, peace, and joy of living a life of Stewardship Well Done.
Frequently Asked Questions
Are you a fiduciary?
Yes! As a Registered Investment Advisory firm, we are legally obligated to serve you as a fiduciary. This means we adhere to the highest standards of conduct and will always put your interests ahead of our own.
What types of accounts do you manage?
Retirement Accounts
- Individual Retirement Accounts (IRAs)
Traditional, Roth, SEP, and SIMPLE - 403(b) Accounts
- 401(k) Accounts
Non-Retirement Accounts
- Individual Accounts
- Joint Accounts
- Institutional Accounts
- Trust Accounts
- 529 College Savings Accounts
- Uniform Transfer to Minors Accounts (UTMA)
- Uniform Gift to Minors Accounts (UGMA)
- Health Savings Accounts (HSA)
Do you manage accounts for both individuals and organizations?
Yes! We manage a variety of retirement and non-retirement accounts tailored for both individuals and organizations.
How are you related to FM Financial?
GuideStream is the wholly-owned subsidiary of FM Financial. It was established as a Registered Investment Advisory Firm to serve the financial planning and investment management needs of FM Financial’s clients and friends from a biblical perspective.
How are you compensated?
GuideStream is compensated using a fee-based approach; we offer a simple and transparent fee schedule based on the level of assets invested with GuideStream. Our team members are salaried and hourly employees; they are not paid by commissions.
What are your fees?
Our fee schedule is as follows:
Individual Accounts
| Market Value | Fee |
| First $250,000 | 1.15% |
| Next $250,000 | 1.00% |
| Next $250,000 | 0.85% |
| Next $250,000 | 0.70% |
| Over $1,000,000 | 0.55% |
Immediate family members may aggregate their accounts to achieve the lowest possible fee. We charge 1/12th of the fee each month based on a daily average balance. A small additional fee of 0.03% (three one hundredths of one percent) is charged to each account by the account custodian.
Institutional Accounts over $2,000,000
| Market Value | Fee |
| First $2,000,000 | 0.70% |
| Next $8,000,000 | 0.40% |
| Over $10,000,000 | 0.10% |
Institutional accounts under $2,000,000 use the same fee schedule as individual accounts. A small additional fee of 0.03% (three one hundredths of one percent) is charged to each account by the account custodian.
Financial Planning Fees:
Your first financial plan is offered free of charge. Subsequent updates are also free for clients who have assets invested with GuideStream. Clients without a GuideStream account will be charged $175/hr for updates.
Working with a financial guide can help you say goodbye to
uncertainty, worry, and emotionally charged financial decisions.
A Word from Our Advisers
Kirk Hoffman, CFP®, ChFC®, CLU®, MPAS™
Scott Blakemore, CKA®
Caitlin Koppelman, AAMS™, FSCP®
Jen DeBiasi, MBA
Ridge Foco
Levi Conner
GuideStream is a participating member of the following national organizations:
