A Biblical Approach to Money Management

Honor the Lord with your wealth, with the firstfruits of all your crops.
— Proverbs 3:9

Are You a Steward?

If you believe that God owns it all and you're simply the manager of what He's entrusted to you, then you're in the right place!

As stewards, we're all called to use what God has given us - gifts, abilities, money - to show His love to others.

And at Three Nine Financial, we're passionate about helping you do so through the management of your financial resources.  We accomplish this using comprehensive financial planning and investment management, but with a unique approach: our guidance is based on an eternal perspective. 

We're not your traditional financial advisor.  Our mission is to help you maximize your Kingdom impact through prudent financial stewardship. 


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The one principle that surrounds everything else is that of stewardship; that we are the managers of everything that God has given us.
— Larry Burkett

Why Work With Us?

Biblical Financial Stewardship

Stewardship Mindset

When making important financial decisions, you want to work with someone who shares an eternal perspective.

Biblically Responsible Investing

Portfolios Aligned With Scripture

Investing the resources entrusted to our care becomes an act of worship as we seek to love others through BRI.

Fee-only Financial Planning

On Your Side

No commissions, no kickbacks, no hidden fees.  Our only considerations when giving advice are you and eternity.

The Three Nine Story


My name is Ben Malick, and I’m the founder of Three Nine Financial: a firm focused on helping clients live out their faith through the management of their financial resources.  I love helping others see how the Bible can be applied in all areas of life.  This is not just a job for me; it’s a ministry and a calling.

Ben Malick | Three Nine Financial

Several years into my financial career, I became a member of an organization for Christian financial professionals called Kingdom Advisors, where I went through an in-depth study of biblical financial principles.  Little did I know that this study would change my entire perspective about money and alter the course of my life. 

During the Kingdom Advisors study, I was introduced to a concept called Biblically Responsible Investing (BRI).  I didn't realize it at the time, but through my investment portfolio, I owned companies that took advantage of the addictions and weaknesses of others for the sake of profit.  For example, I owned stock in companies that contributed to abortion, pornography, and child labor.  Once I realized that I was using God's money to own these types of companies, I began to experience serious internal conflict, and the seed for Three Nine Financial was planted. 

You too may have never considered where you invest and what you may be inadvertently supporting through your portfolio.  I started Three Nine Financial because I feel compelled to spread the word about this often overlooked area of stewardship and help others align their portfolio with biblical principles.  The name "Three Nine" comes from Proverbs 3:9: "Honor the Lord with your wealth, with the firstfruits of all your crops."  This serves as the guidepost for everything we do.

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Financial Planning

We work with you to organize and simplify your financial life.  Through our unique process, our ongoing financial planning service allows us to partner with you to maximize your Kingdom impact. 


Investment Management

We create custom portfolios aligned with biblical values so you have peace of mind that you are not profiting from activities that take advantage of the weaknesses or addictions of others.  


Remember this—you can’t serve God and money, but you can serve God with money.
— Selwyn Hughes