Fee-Only Financial Advisor Serving Lynchburg, Forest, Bedford County & Central Virginia
Fee-only. Fiduciary. No account minimums. Servus Capital Management has been helping Virginia families, small businesses, and nonprofits align their finances with their purpose since 2009.
Purpose-Driven Financial Planning for Families, Small Businesses & Nonprofits
Your Financial Plan Should Reflect Who You Are
Life moves quickly, and the financial decisions that matter most rarely fit a standard template. At Servus Capital Management, we start every relationship with a conversation about your values, your goals, and the life you're working toward — not your account balance.
We're an independent,
fee-only registered investment advisor in Virginia. That means the only person we work for is you. No commissions, no product sales, no third-party incentives of any kind. Just transparent, fiduciary guidance built around your purpose.
Fee-Only, Fiduciary Wealth Management — Here's What That Means for You
Most financial advisors are compensated through commissions on the products they sell. That creates a conflict: their recommendation and their paycheck are tied to the same transaction.
Servus Capital Management operates differently. As a fee-only firm, we receive compensation only from our clients — never from commissions, fund companies, or product referrals. As a fiduciary, we are legally required to act in your best interest at all times. The two together mean our advice is never influenced by what pays us more.
There are no account minimums to work with us. Whether you're just beginning to plan or managing a complex financial picture, we start where you are.
- 100% fee-only — zero commissions, zero third-party incentives
- Fiduciary standard — legally bound to put your interests first
- No account minimums — guidance available regardless of asset level
- Independent RIA in Virginia since 2009
- Serving individuals, families, small businesses, and nonprofits
Financial Planning and Investment Management for Families, Businesses & Nonprofits
Retirement & Financial Planning for Families
Purpose-driven guidance for every stage of life.
Comprehensive retirement income planning, tax strategy, estate planning, education funding, and day-to-day financial decisions — designed to help families in Lynchburg and Central Virginia live with direction and confidence.
Investment Management for Long-Term Financial Security
Disciplined, fiduciary portfolio management.
Research-driven, actively monitored investment strategies tailored to your goals, values, and risk tolerance — built to keep your portfolio aligned with your long-term purpose.
401(k) & Financial Strategy for Small Businesses
Financial strategy for business owners and their teams.
Retirement plan design, cash flow planning, tax coordination, and continuity strategies for small businesses across Lynchburg, Forest, and Bedford County.
Financial Planning for Nonprofits & Endowments
Stewardship-focused guidance for nonprofits and ministries.
Endowment management, investment oversight, donor strategies, and reserve fund planning to help nonprofit leaders make mission-aligned financial decisions that support long-term impact.
Resources to Help You Plan With Purpose
Financial planning isn't just about math. It's about aligning your resources with your values—so you can live intentionally, not reactively. That’s why we don’t follow market fads. Instead, we follow a disciplined, research-backed framework to manage risk and pursue lasting results.
To help you reflect on your life’s purpose, we recommend these powerful books that have deeply impacted our approach to purpose-driven financial planning:
The Purpose Driven Life by Rick Warren (Christian-based)
Man’s Search for Meaning by Viktor Frankl (Secular)
🎧 Purpose Driven Finances - Retirement Plan Positioning
Your 401(k), 403(b), or 457 is often your largest investment-and yet it is typically left on autopilot, disconnected from economic reality.
This episode outlines three clear paths to bring alignment:
1. Target-Date Path (Simplicity)
A fully diversified, hands-off approach built for average outcomes.
Simple-but not adaptive.
2. Three-Bucket Path (Structure)
Intentional allocation across:
- U.S. equities
- International equities
- Bonds
Provides balance-but still requires oversight.
3. Disciplined Regime Path
A quarterly, data-driven approach that adjusts exposure based on economic conditions.
This is where process replaces guesswork.
Stewardship is not about predicting markets.
It is about
positioning correctly within them.
Contact us today for a free copy as a gift from Servus Capital Management! Let’s start a conversation about aligning your finances with your greater purpose.
How It Works
1. Discover Your Purpose & Goals
We start by listening to your story and clarifying your goals. Every plan begins with purpose—what truly matters to you and the life you want to build.
2. Design a Personalized Strategy
With your objectives in mind, we craft a tailored roadmap. This isn’t a one-size-fits-all approach—it’s a thoughtful strategy built around your values and financial vision.
3. Implement With Confidence
Once your plan is designed, we walk through it together to ensure clarity and confidence. We then help you put the strategy into action, supporting you every step of the way.
4. Review & Refine
Life changes, and your plan should adapt with it. Through regular reviews and ongoing guidance, we keep your strategy aligned with your goals, providing peace of mind in every season.
The name Servus means "servant" in Latin. It's been the guiding principle behind every client relationship since
Allan Malina founded the firm in 2009. As a registered investment advisor in Virginia, Servus Capital Management is built on one commitment: to help clients align their financial health with their life's greater purpose.
Weekly conversations on retirement, investing, tax strategy, and the financial decisions that shape your future — hosted by Servus Capital Management founder Allan Malina.
The best measure of a financial plan is the life it helps create. Read how clients across Lynchburg, Forest, and Bedford County have worked with Servus Capital Management to retire with confidence, grow their businesses, and advance their missions.
Common Questions About Working With a Fee-Only Financial Advisor in Lynchburg, VA
Are you a fiduciary financial advisor?
Yes. As a registered investment advisor, Servus Capital Management is legally and ethically required to act in your best interest at all times. That means no commissions, no product sales, and no hidden incentives — just advice designed around your goals.
What does fee-only mean?
Fee-only means the only compensation we receive comes directly from our clients. We don't earn commissions, referral fees, or payments from third parties of any kind. This structure removes the conflicts that come with commission-based advice.
Do you have account minimums?
We have no account minimums. Many financial advisory firms in Virginia require $500,000 or more in investable assets before they'll work with you. We don't. Our guidance is available to families and individuals at any stage of their financial journey.
Do you actively monitor client accounts?
Yes. We use proprietary research-driven models to monitor client portfolios on an ongoing basis. Your plan isn't set and forgotten — it's reviewed and adjusted as your life and the market environment change.
Do you offer comprehensive financial planning?
We look at every dimension of your financial life — investments, retirement, tax strategy, insurance, estate planning, and charitable giving — and build a coordinated plan around your values and long-term goals.
Are you a fiduciary?
Yes. As a fiduciary, we are legally and ethically bound to act in your best interest—at all times. No commissions. No product sales. Just transparent, client-first advice
Are you fee-only?
We are a fee-only firm. The only person who pays us is you, the client. We do not receive commissions or third-party incentives of any kind. This means our success is aligned with yours.
Do you monitor my accounts?
We don't believe in a "set it and forget it" approach. Your accounts are actively monitored using proprietary tools and research-driven models to ensure your plan stays aligned with both your life and the markets.
Do you offer financial planning?
Absolutely. We look at your whole financial life—including investments, insurance, retirement, taxes, and charitable giving—to create a coordinated strategy built around your goals and values.
The Financial Questions That Actually Shape Your Future
The questions that most affect your financial security rarely show up on a product brochure. How much can you safely spend in retirement? Do you have the right life insurance? Is long-term care something you need to plan for now? Should your financial decisions change after a major life transition?
These aren't just money questions. At Servus Capital Management, we help you work through them with clarity, purpose, and guidance grounded in your specific situation.
How We Work Together
Discover Your Purpose & Goals
We start by listening — to your story, your values, and the life you want to build. Every plan begins with purpose, not a product.
Design a Personalized Strategy
With your goals in place, we build a tailored roadmap. Research-driven recommendations, adjusted for your risk tolerance, timeline, and values.
Implement With Confidence
We walk through the plan together, answer every question, and help you put the strategy into action.
Review & Refine
Life changes. Your plan adapts with it. We conduct regular reviews and provide ongoing guidance to keep your strategy aligned as your circumstances evolve
Our Process: Simple, Not Superficial
A purpose-first approach, informed by faith, delivered with expertise and compassion.
Stewardship at the Center
Financial planning is stewardship—aligning your resources with your values so you can live your purpose with confidence. Faith informs our perspective, but our door is open to all.
Holistic Planning for Every Season
We integrate every piece of your financial life—cash flow, risk, retirement, investments, tax, and estate—into one clear plan that supports both your goals and your purpose.
Independent, Fiduciary, and Accessible
As an RIA since 2009, we are legally bound to put your interests first. With no account minimums, our guidance meets you where you are.
Compassionate Guidance, Informed by Faith
From celebrating milestones to walking through loss, we serve with empathy, patience, and passion. Our calling is to walk alongside you in every season of life.
Work With a Fee-Only Financial Advisor in Lynchburg, VA
Whether you're planning for retirement, running a small business, or managing a nonprofit — Servus Capital Management is here to help you build a financial plan that reflects your values and your purpose.
Serving
Forest,
Lynchburg,
Bedford County, Roanoke, and clients nationwide via virtual meetings.
