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For those who are ready to start with Fruit of the Vine Financial, they will see a short description of the first step and can be redirected to Della's scheduling site. Want to find out more? For more information, either contact us or use one of the links below to schedule a complimentary meeting. This is a time for you to ask more questions, find out more specifics about us and our process, and for us to determine if we are a mutual business fit. Della will also ask some questions, but you don't need to have anything prepared ahead of time. This meeting typically lasts between 1/2 hour and an hour. If you decide to go ahead with our services, we'll discuss the next steps and provide clear direction. Please select a time that's convenient for you. I look forward to meeting you! In-person Meeting Virtual Meeting No soliciting.

Achieve your financial goals with personalized financial planning services at Fruit of the Vine Financial. Expert strategies for a secure financial future. Financial Planning Who is Financial Planning for? Financial planning is a powerful tool that can benefit anyone: individ uals, families, business owners, or those seeking to improve their financial well-being at any stage in life. Whether you're just starting out in your career, juggling family finances, planning for retirement, or running a small business, financial planning provides personalized strategies to help you achieve your unique financial goals. What can you expect as we go through the Financial Planning process? We start with a short Introductory Meeting (at no cost to you) to share general information and determine a mutual fit. If you decide to work with us, we'll mutually decide which financial planning level is appropriate for you. After we have an agreement in place, we'll have a longer Deep Dive Meeting to gather more detailed information. We'll provide an upload platform (or other means if needed) and a list of the necessary documents we need from you. Once we have all the needed documents, we can start early analysis work on your plan. We'll meet for a Preliminary Plan Review. This is where we use the planning software program to go over what we have so far, make any needed adjustments, and discuss your desired "what if we did this" scenarios. The next step, the Plan Delivery meeting, is when we present your base financial plan to you, including our analysis, recommendations, and suggested action items. In the Implementation meeting, we'll discuss which action items to implement and in what priority, and the steps toward putting them into action. We'll also discuss the option to keep your plan ongoing, or active, with your base plan as a foundation. With ongoing planning, we keep your plan updated on a regular basis or as needed when life events happen, and we'll meet at least annually to adjust for any changes and keep your financial navigation on course. How long does the Financial Planning process take? On average, it takes about 10-12 weeks from the time you sign on with us until you have your base plan. The timing can vary due to the complexity of your plan, how long it takes to collect the necessary documents and information from you, or how many other plans we have in the queue. If you decide to keep your plan ongoing, the planning can continue as long as you need it. How much does Financial Planning cost? We offer different levels of financial planning to suit your needs. The costs listed are for the initial base plan. Ongoing planning costs are in addition to the base plan cost. FOCUSED PLANNING is limited in the scope of financial planning areas covered. Financial Foundation is for those who are in the early stages of their career or adult lives and want to establish a solid financial foundation to build upon. Planning areas include cash flow, insurance, employee benefits, and debt management. ($1500) Financial Wellness Checkup is just that - a regular checkup to gauge your current financial wellness. Planning areas include taxes, investment analysis, cash flow, insurance, and debt management. ($1500) Investment Evaluation is for those who manage their own investments and want a professional evalution of their portfolio holdings, asset allocation, tax implications, and more with regard to their investments. Planning areas include investment analysis, tax strategies as related to your investments, and goals planning. ($1500) Retirement Readiness is for those who want to focus just on retirement and don't want a comprehensive plan. Planning areas include planning for retirement, taxes, investment analysis, cash flow, goals planning, and debt management. ($1800) COMPREHENSIVE PLANNING uses a more holistic approach to financial planning. It includes all the areas covered in the Focused Planning plus estate planning, insurance assessment, education planning, and more. Bronze Level is for those with young families, in the early stages of their career, or who have fewer planning concerns at this point in their lives. Retirement planning is addressed but not to the depth of the Gold and Platinum levels. ($2250; $250/qtr ongoing) Gold Level is the most popular of our financial planning levels. It's best for those whose main concern is retirement and who want the planning to include their complete financial picture. ($2950; $300/qtr ongoing) Platinum Level is for those who have more complex tax or estate circumstances, high net worth, or who own and run a business. ($3850; $400/qtr ongoing)

Discover a faith-centered approach to financial planning with The Narrow Way at Fruit of the Vine Financial. Align your values with smart financial decisions. Project Name This is your Project description. Provide a brief summary to help visitors understand the context and background of your work. Click on "Edit Text" or double click on the text box to start. The Narrow Way It may seem unusual to see this page on a financial firm's website. But it goes to the very heart of why this firm exists. We may or may not know it, but we all have a need that's greater than anything else--yes, even greater than a financial plan or investment advice. That need is for salvation for our souls , and only God, the true vinedresser, can provide it . "Enter through the narrow gate; for the gate is wide and the way is broad that leads to destruction, and there are many who enter through it. For the gate is small and the way is narrow that leads to life, and there are few who find it." Matthew 7:13-14 The Bible is very clear that there are only two options for us: the broad way that leads to eternal destruction, and the narrow way that leads to eternal life. It's narrow because there's only one way to eternal life, and that one way is only through Jesus Christ. "Jesus said to him, 'I am the way, the truth, and the life. No one comes to the Father except through Me.'" John 14:6 It's important to understand why the eternal destruction option even exists. It starts with the character of God. He's loving, perfect, pure, and holy, so His abode (heaven) must necessarily also be sinless, perfect, and pure. We, however, are not. If we ask ourselves if we've ever lied, if we've ever disrespected our parents, or if we've ever coveted (wanted something that someone else had), etc., it doesn't take long to see our imperfection--our sinfulness. "For all have sinned and fall short of the glory of God " Romans 3:23. And 'all' means all; we're all guilty before a pure, holy God. He cannot have sin in His presence, so in our natural sinful state, we are separate from Him. "Your iniquities [sins] have separated you from your God " Isaiah 59:2. And b ecause God is also perfectly fair and just, He must have consequences for sin. "For the wages of sin [what we earn because of our sin] is death" Romans 6:23. Here, death refers to eternal separation from God (i.e. eternal destruction). This of course is the bad news, but it gets much better. "For God so loved the world that He gave His only begotten Son, that whoever believes in Him shall not perish but have eternal life." John 3:16 God knows our impossible natural predicament, and because He's also loving and gracious, He provided a solution. God sent His Son, Jesus Christ, from heaven to earth, as deity in the flesh so that He could "taste death for everyone" (Hebrews 2:9). He died on the cross to pay the wages of our sin for us, in our place, as our substitute. "But God demonstrates His own love toward us, in that while we were still sinners, Christ died for us." Romans 5:8 "Christ died for our sins according to the Scriptures. And...He was buried, and...He rose again the third day according to the Scriptures." 1 Corinthians 15:3-4 Jesus Christ's resurrection shows that God's justice was satisfied and He accepted Jesus' substitutionary payment for our sins. This way, all by His grace, He can offer us eternal life as a free gift because He's paid the full purchase price of that gift. All that's left for us to do is to receive it, and we do this only by believing in Him and only Him, nothing more. If we think we have to add anything more, we imply that Jesus didn't do enough, that He didn't really save us. But a Savior saves completely, or he's not really a savior. Does a lifeguard save a drowning person completely, or does he or she require the drowning person to kick a little bit or take a few strokes? Or does the lifeguard bring the drowning person most of the way to shore but then require the person to struggle the rest of the way? No, the lifeguard does all the work; the lifeguard saves drowning people because the people cannot save themselves. The drowning person must put their faith, or trust, in the lifeguard. "What must I do to be saved? So they said, 'Believe on the Lord Jesus Christ, and you will be saved.'" Acts 16:31 "For by grace you have been saved through faith, and that not of yourselves, it is the gift of God, not of works, lest anyone should boast." Ephesians 2:8-9 "But when the kindness and the love of God our Savior toward man appeared, not by works of righteousness which we have done, but according to His mercy He saved us...." Titus 3:5 This also means that being a "good person" will not get us into heaven. And neither will praying, going to church, doing good deeds, being water baptized, obeying the ten commandments, etc. All these things have a place, but it's not here. Notice what the verses on this page (and many others in the Bible) say and don't say. John 3:16 for example says "whoever believes in Him"; it does not say "whoever believes in Him and (something else we have to do)." Jesus Christ has already done everything needed for our salvation; all God asks is that we believe it. He just wants our faith. If we think we have to add even one little work to it, then we don't really have faith in what He did. It's all or nothing. And if we could go to heaven by our own good works, then why did Jesus have to die? "...if righteousness comes through the law, then Christ died in vain" Galatians 2:21. What does God promise to those who believe in Jesus Christ? They have eternal life, starting at the moment of belief. By its very definition, eternal life is forever and can never be lost, or God wouldn't call it 'eternal.' Believers are kept by the power of God, again not by our works . We also don't have to show good works to prove to others we have eternal life. It's not about our good or bad works--it's all about Jesus Christ's finished work on the cross. Some of His last words were, "It is finished!" (John 19:30). In these times in Rome, 'It is finished' was an expression used when a debt had been paid in full. Jesus Christ was saying that the sin debt had been paid in full--for all people for all time--at the cross. And if the Son of God says it was 100% finished then and there, then it was. Period. "And He Himself [Jesus Christ] is the propitiation [substitute] for our sins, and not for ours only but also for the whole world [ everyone ] ." 1 John 2:2 "These things I have written to you who believe in the name of the Son of God, that you may know that you have eternal life." 1 John 5:13 "A nd I give them eternal life, and they shall never perish; neither shall anyone snatch them out of My hand. My Father, who has given them to Me, is greater than all; and no one is able to snatch them out of My Father's hand. I and My Father are one." John 10:28-30 In the gospel of John alone, the word believe is used 98 times as the sole condition to salvation. John emphasizes this also from the opposite angle by explaining the sole reason for condemnation--unbelief. "He who believes in Him is not condemned; but he who does not believe is condemned already, because he has not believed in the name of the only begotten Son of God." John 3:17-18 God's gift of salvation is available for everyone, but not everyone accepts it. Those who do are on the narrow way, but those who don't are on the broad way. Those on the narrow way believe only in Jesus Christ to save them; those on the broad way don't. God loves you and desires all of us to be saved (1 Tim. 2:4). Which way do you choose? For additional information and resources, please see True Grace Books. https://truegracebooks.com/

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Explore expert retirement plan services at Fruit of the Vine Financial. Tailored strategies to grow and protect your wealth for long-term success. Retirement Plans What's included with Fruit of the Vine Financial's retirement plan services? We work with you to determine which type of retirement plan best suits your needs and those of your business, and we help you through the set-up process. Common types of retirement plans for businesses include a SEP, SIMPLE, 401(k), Solo 401(k), or Safe Harbor 401(k). If needed, we provide ongoing fiduciary advisory services after the plan is up and running. For a 401(k) or Safe Harbor 401(k), this includes service as either a 3(21) or 3(38) fiduciary. Ongoing service includes quarterly plan investment analysis with results reported to the 401(k) plan sponsor. Can Biblically Responsible Investing (BRI) funds be included as an investment choice in a 401(k) plan? Yes. If the business owner/plan sponsor desires, BRI funds can be included among the list of funds available for plan participants to choose from. BRI fund choices will not automatically be included in the fund lineup and will be added only at the request of the plan sponsor. These funds would not replace any general funds, but would simply be an addition to the lineup. We aim to provide all plan participants with suitable plan investment choices. How much does Fruit of the Vine Financial charge to help set up a retirement plan and/or provide ongoing fiduciary advisory services? We charge a flat fee to help set up the plan and a separate flat rate for ongoing advisory services if needed. The rate varies depending on the size of the plan, the type of plan selected, and the complexity of the plan. All fees will be discussed ahead of time, presented in a written proposal, and confirmed by contractual agreement before service starts. For a 401(k) or Safe Harbor 401(k) plan, which are subject to ERISA, two levels of fiduciary advisory services are available: 3(21) plan consulting services, or 3(38) plan management services.

Fruit of the Vine Financial provides quick links to contracted Financial Planning and Investment Management site login pages. Client Login Financial Planning Investment Management When you link to the websites provided here, you are leaving this website and assume total responsibility and risk for use of the websites you are visiting . Fruit of the Vine Financial, LLC is not liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technology, websites, information, and programs made available through this website. Fruit of the Vine Financial, LLC does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Fruit of the Vine Financial’s website or incorporated herein, and takes no responsibility thereof.

Explore insightful financial resources at Fruit of the Vine Financial. Discover expert guides, helpful tools, and articles covering retirement planning, wealth management, tax strategies, and financial wellness. Empower your financial future with practical advice tailored to your needs. Resources Q4 2024 Market Highlights and Review Questions to ask when choosing a financial planner or advisor 5 Ways to Measure Your General Financial Health How to protect yourself from identity theft Organization Guide - fillable How Do US Presidential Elections Affect the Market? Mid-Year Financial Review: 6 Steps for Success A heavy question about biblically responsible investing Common Retirement Plans for Business Owners Subscribe Subscribe to our newsletter to receive timely financial information once or twice a month and quarterly market reviews directly to your inbox. First name* Last name* Email* Join Yes, subscribe me to your newsletter. * By joining, you're granting Fruit of the Vine Financial permission to email you. You may unsubscribe at any time via the link at the bottom of every email. We respect your privacy, and your information will be kept strictly confidential. (For details, see our Privacy Policy .) Emails are serviced by Constant Contact.

Fruit of the Vine Financial provides personalized, comprehensive Financial Planning and Investment Management to help you make the most of your life journey. About Our Firm Fruit of the Vine Financial got its name based on the analogy Jesus gives in John 15. In these verses, He says that God the Father is the vinedresser, Jesus is the true vine, believers in Him are the branches, and the product of the vine is the fruit. The branch's job is to "bear," or carry or support, the fruit that the vine produces. The focus and aim is on the fruit. Applying this to the firm, with Della as the branch, the fruit are the firm's clients and the work that is done for them. Like this vine analogy, the focus and aim of Fruit of the Vine Financial is on the fruit. Fruit of the Vine Financial, LLC is an independent Registered Investment Advisor (RIA) firm based out of New Braunfels, TX, and is owned and operated by financial planner and advisor Della Stegall. Our firm does... put our clients' needs and interests before our own. This is what it means to be a fiduciary. provide clients with impartial advice based on our attention and due diligence to their financial plan and investments. operate with skill, transparency, and confidentiality in all areas of client service. Our firm does not ... have any financial ties to other firms or companies. accept commissions or referral fees from the firms, funds, and companies we may recommend.

Discover tailored investment management services at Fruit of the Vine Financial. We offer strategic, personalized investment solutions to help you grow and protect your wealth. Learn how we can support your financial goals with a focus on long-term success and prudent asset management. Investment Management How are investments for your portfolio selected? First we find out about you. We consider your short-term and long-term financial needs and goals, your risk tolerance and your risk capability, and other aspects. We then consider many different factors such as fund fees, liquidity, tax implications, the economic environment, etc. to determine investment choices appropriate for you. What is Biblically Responsible Investing (BRI)? BRI takes a values-based approach to selecting your investments, seeking to align your investment portfolio holdings with Christian principles. It's designed for those who are concerned about God-honoring stewardship of their assets and who prefer to invest in companies that more closely align with Biblical principles. How much does professional Investment Management cost with Fruit of the Vine Financial? Our Investment Management service includes investment and economic analysis performed on a regular basis, rebalancing and trading, and providing individualized investment advice. The cost is based either on a flat rate or a percentage of your assets under our management, according to the following levels. Assets Under Management Annual Fee Up to $100,000 1.50% $100,001 - $500,000 1.25% $500,001 - $1,000,000 1.00% $1,000,001 - $2,000,000 0.90% $2,000,001 - $3,000,000 0.80% $3,000,001 - $5,000,000 0.70% $5,000,001 and Up 0.60%

Learn more about Della Stegall, an expert at Fruit of the Vine Financial, offering personalized financial planning and wealth management services. About Della Della Stegall, CFP®, CIMA®, RICP® I'm a fiduciary, fee-only financial planner and advisor who founded Fruit of the Vine Financial in 2023 after having worked at two other financial firms. My focus is in three main areas: - comprehensive financial planning to first help people better understand their current financial circumstances and second to provide them an optimal route to meet their financial needs and reach their financial goals. - investment management, providing a choice between general investing and Biblically Responsible Investing (BRI), which is a way to invest in funds that more closely align with Christian principles. - help with setting up business retirement plans and/or serving as a fiduciary advisor to 401(k) plans. Because I'm always trying to improve how I can help my clients with their financial lives, I obtained several advanced certifications. I earned the Certified Financial Planner® (CFP®) certification and Retirement Income Certified Professional® (RICP®) designation following programs at The American College of Financial Services. And the Certified Investment Management Analyst® (CIMA®) certification followed from a program through the Yale School of Management. Outside of work, I enjoy kayaking, Bible study, playing my violin, spending time with my three grown children and with friends. Not only do I have the financial education and professional experience, I also bring the knowledge gained from personal financial experience. From sorting all the finances after the death of a spouse, to helping kids through college, to riding the roller coaster of a major recession, and to starting and running a business, I understand the highs and lows that sometimes accompany the numbers. It helps to partner with a financial professional who's been there and can help you through it. Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements. Investments & Wealth Institute® (the Institute) is the owner of the certification marks “CIMA,” and “Certified Investment Management Analyst.” Use of CIMA, and/or Certified Investment Management Analyst signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for investment management professionals.

Fruit of the Vine Financial provides personalized, comprehensive financial planning and asset management to help you make the most of your life journey. Financial planning and investment guidance tailored for your journey. About Della Stegall, CFP®, CIMA®, RICP® Financial planning will not only give you a better understanding of your current financial picture, but will also help you plan and prepare for your best route ahead. We offer different levels of financial plans, from topic-focused to comprehensive, to suit your needs. We also offer investment management as a separate service or in combination with ongoing financial planning. The combination approach keeps your plan and investment strategies current and allows them to adjust as needed so you can stay on top of life's twists and turns. For business owners looking for setup or maintenance help with their company retirement plans, we offer fiduciary retirement plan services as well, giving you more time to focus on your business. We operate as a fiduciary and provide fee-only services (no commissions). At Fruit of the Vine Financial, we provide personalized financial planning and investment management to help you enjoy and make the most of your life journey. Our Services Financial Planning Investment Management Retirement Plans Our financial planning services can help tell you if you're on track to meet your financial goals and provide personalized recommendations and strategies to help you get there. Specific areas may include budgeting and cash flow, retirement planning, tax strategies, investments, estate planning, and other areas as appropriate. Planning Details & Pricing We offer investment management using either a general investing approach or a Biblically Responsible Investing (BRI) approach. (BRI uses portfolio holdings that more closely align to Christian principles.) Either way, your investments would also align with your personal risk tolerance and unique financial circumstances and goals, while considering fund fees, taxes, and the economic environment. Details & Pricing If you're a business owner or administrator looking for assistance with setting up and/or managing a retirement plan for you and your employees, we can help. We'll work with you to determine which plan best suits the needs of you and the business. We can also help you through the set-up process and provide ongoing fiduciary advisory services after it's up and running. Details & Pricing "The best outcomes can be achieved when both financial planning and investment management are coordinated and work together." Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. Investments & Wealth Institute® (the Institute) is the owner of the certification marks “CIMA,” and “Certified Investment Management Analyst.” Use of CIMA, and/or Certified Investment Management Analyst signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for investment management professionals.

Explore common questions about financial planning, investment management, and wealth strategies at Fruit of the Vine Financial. Find the answers you need. FAQs Q: What does a financial advisor do? A: A financial advisor is a professional who provides guidance and advice on a wide range of financial matters, including investments, retirement planning, estate planning, taxes, insurance, and more. Q: Do I need a financial advisor? A: While it's not mandatory to have a financial advisor, working with one can provide many benefits. A financial advisor can help you create a customized financial plan, guide you through complex financial decisions, and provide ongoing support and advice to help you achieve your financial goals. Q: How does a financial advisor get paid? A: Financial advisors may be compensated in different ways, such as through fees, commissions, or a combination of both. It's important to understand how your financial advisor is compensated and what fees you can expect to pay for their services. Q: How often should I meet with my financial advisor? A: The frequency of meetings with your financial advisor will depend on your individual needs and goals. Some clients may prefer to meet quarterly or semi-annually, while others may only need to meet once a year. Your financial advisor can help determine the appropriate frequency of meetings for you. Q: What types of clients do you work with? A: As a financial advisor, I work with a wide range of clients, from young professionals just starting their careers to retirees planning for their golden years. I believe that everyone can benefit from professional financial advice, regardless of their income or net worth. Q: How do I get started with a financial advisor? A: If you're interested in working with a financial advisor, the first step is to schedule a consultation. During this initial meeting, we'll discuss your financial goals and needs, and I'll provide information on my services and fees. From there, we can determine if working together is the right fit. Have another question?