THE FRAMEWORK

MUSTARD SEEDS

Growing Your Wealth 1% for God's Glory.

A five-step biblical approach to financial stewardship, for those who believe their wealth exists for Kingdom purpose, not merely security.

"God is calling His people to make small, seemingly unimpressive decisions in faithful obedience."

THE MUSTARD SEEDS PRINCIPLE

The 5 Steps of MUSTARD SEEDS

Each step builds greater alignment between your financial decisions and your faith.

01

Mustard Seeds Doug Cellini Robert Young Step 1 Prepare the Soil

Prepare the Soil of Your Heart and Mind

"The earth is the Lord's and all it holds, the world and those who dwell in it."

Psalm 24:1

All provision ultimately comes from God. We are simply stewards, not owners of our God-given wealth. That shift reprograms our minds from 'How much do I have to give?' to 'I need to oversee every dollar in my life to help it fit God's plan.' This is a soul-deep conviction that God has better plans for our money than we ever could.

02

Mustard Seeds Doug Cellini Robert Young Step 2 Discern

Discern What God Wants to Do Through You

"But, as He who called you is holy, be holy yourselves in every aspect of your conduct."

1 Peter 1:15

As a Christian, the first step of wealth management is not financial planning. It is identity. If all of your financial needs are met, your projections are solid, and your family is well-positioned, what's next? The answers to these questions look entirely different once you see yourself as a steward and not only an investor.

03

Mustard Seeds Doug Cellini Robert Young Step 3 Sow the Seeds

Put Your Mustard Seeds to Work

"Sow your seed in the morning, and at evening let your hands not be idle."

Ecclesiastes 11:6

As a Christian, the first step of wealth management is not financial planning. It is identity. If all of your financial needs are met, your projections are solid, and your family is well-positioned, what's next? The answers to these questions look entirely different once you see yourself as a steward and not only an investor.

04

Mustard Seeds Doug Cellini Robert Young Step 4 Work the Land

Work the Land

"The person who is trustworthy in very small matters is also trustworthy in great ones."

Luke 16:10

Planting seeds is only the beginning. Between planting and harvesting, there is the work of cultivation. There are three factors in working the land of your financial plan: Education (teaching current and future generations), Protection (ensuring proper coverage), and Elimination (removing bad financial habits, beliefs, and decisions).

05

Mustard Seeds Doug Cellini Robert Young Step 5 Rest and Reset

Rest & Reset

"A sabbath rest still remains for the people of God. And whoever enters into God's rest, rests from his own works as God did from His."

Hebrews 4:9-10

God honors our faithful stewardship by offering us rest in His peace. This is the rhythm of rest and reset: we rest in celebrating God's sovereignty, and we reset what's within our power for the future. Resetting your finances is a prime chance to watch God show you what He wants to do through your investments next.

The 8 Seed Categories

These are the specific areas of your financial life where a 1% improvement can be planted as a seed for God's Kingdom.

01

Cash Flow Assessment

Where are you currently leaking money and growth potential?

02

Retirement Income Plan

Tax efficiencies, increasing income streams post-retirement, and redistributing projected income.

03

Risk Assessment

More accurate profiling of your risk to fit your financial plan.

04

Investment Selections

Do your investment choices offer a strong financial outlook while keeping your conscience intact?

05

Tax Strategies

Tax loss harvesting and account conversion matter more than some realize.

06

Estate Strategies

Selecting the right estate structure can make all the difference for families with generational wealth.

07

Giving Plan

Recurring vs. spontaneous giving plans allow you to be proactive while staying alert to the Holy Spirit.

08

Discipleship Plan

How are you training and modeling your financial approach to the next generation?

Ready to explore your
MUSTARD SEEDS?

Work through this framework with a seasoned, Kingdom-minded financial professional who can guide you through the small changes that lead to great impact.