What Is a Christian Financial Counselor?

A Christian Financial Counselor (CFC) helps individuals and couples discover and pursue God’s design for their money. Rooted in Scripture, a CFC provides personalized financial guidance, practical tools, and thoughtful teaching to support clients on their journey toward financial health.

But Christian financial counseling goes deeper than numbers and budgets. A CFC considers the whole person—their heart, habits, and relationship with God. The goal isn’t simply financial stability; it’s spiritual growth. Christian Financial Counselors desire to see clients not only become wiser stewards, but also grow closer to Jesus through their financial decisions.

Christian Financial Counselors recognize that finances shape us just as much as we shape our finances. Financial counseling is as much about character formation as it is about financial health. This isn’t about helping people “get rich with Jesus,” but about helping them get on mission with God—discovering and pursuing His design for their lives and their money.

Christ-Centered Financial Counseling

What Christian Financial Counseling Includes

Christian Financial Counseling focuses on financial literacy, coaching, and guidance. Services may include:

  • Aligning the heart and finances with Biblical foundations of money

  • Financial literacy concepts

  • Budgeting and cash-flow planning

  • Debt reduction

  • Goal setting and financial decision support

  • Coaching through life transitions and building good habits & restrictions

Christian Financial Counselors do not provide recommendations for specific investments, insurance products, or legal matters. They are not wealth management advisors.

Hank Heissenbuttel, CERTCFC® , CBF®

Hank Heissenbuttel is a CERTCFC® through the Institute for Christian Financial Health and a CBF® through the National Association of Credit Management. Hank is currently pursuing AFC® certification through the Association for Financial Counseling & Planning Education. He holds a Bachelor’s degree in Business Administration from Bellarmine University. Hank brings deep expertise and a genuine commitment to understanding the unique needs of each client no matter the season of life, prior financial literacy, or their story that brought them to their current financial state.

I’ve made poor financial decisions. I’ve been caught in cycles of debt. I’ve chased the idea of ownership—believing more was the answer. I’ve compared myself to others and let that shape my choices. And in those seasons, generosity was often the first thing to disappear. Something had to change.

Through Scripture and intentional reflection, I began to see money differently—not as something I controlled, but something entrusted to me.

That shift didn’t happen overnight, but it changed:

How I think

How I spend

How I give

How I live