FEE-ONLY FIDUCIARY FINANCIAL ADVISOR • LYNCHBURG & CENTRAL VIRGINIA
What Is Your Money Supposed to Accomplish?
Financial advice for people who want their money to serve a purpose - with a disciplined process behind every decision.
Servus Capital Management provides fee-only fiduciary advice that helps families, retirees, business owners, and nonprofits align their money with what matters most - through disciplined planning and a repeatable process.
Fee-Only Fiduciary
Compensated directly by our clients, not through commissions or product sales.
No Account Minimums
We start where you are.
Disciplined Process
Decisions made through a repeatable framework, not prediction.
Local & Independent
An RIA serving Lynchburg, Forest, Bedford County, and Central Virginia since 2009.
Everyone arrives here in a different season.
Start where you are.
Choose the question that fits your season — each one points you to the right next step.
The decisions that matter most rarely fit a template.
Financial advice can become fragmented when products, accounts, and individual decisions are addressed separately rather than as parts of one financial life. Plans can become outdated. Portfolios can drift from their intended role. Important questions may remain unanswered when individual accounts and decisions are not connected within one coordinated financial plan.
At Servus, those questions are the starting point, not an afterthought.
The Servus Difference
Fee-only and fiduciary.
We are compensated directly by our clients — not through commissions or product sales.
Process over prediction.
We do not rely on market predictions. We use a disciplined, repeatable framework to evaluate conditions, risk, and the role each holding plays in your portfolio.
Purpose at the center.
Money is a tool to serve a life and a legacy. Faith informs our perspective, and our door is open to everyone.
Local and independent.
Based in Lynchburg, serving Central Virginia families, businesses, and nonprofits since 2009.
How we work together
Review & Refine
We revisit the plan as your life, priorities, laws, and financial conditions change.
On the investment side, that discipline runs through everything we manage. The goal is not to predict the future. It is to make portfolio decisions through a repeatable process and respond when risks, market conditions, or the areas of strength in markets change.
Questions Worth Asking — Purpose Driven Finances
Each question below has a short answer and a related Purpose Driven Finances episode if you'd like to go deeper.
What questions should I be asking about my finances?
The most important questions are not only about investments. They include whether your income may last, how risk is being managed, whether your financial decisions are coordinated, and what your money is meant to accomplish.
Why should market conditions matter to my portfolio?
Different investments can respond differently as economic conditions, risk, and the areas of strength in markets change. A disciplined process helps evaluate whether each holding still fits its intended role.
Is my company retirement plan on autopilot?
Your 401(k), 403(b), or 457 may be one of your largest financial assets, yet its investment choices are often reviewed separately from the rest of your financial life. A coordinated review can clarify the role it should play.
What does a purpose-driven approach to money look like?
A stewardship-minded approach combines disciplined financial decision-making with your personal values. It treats money as a tool to serve your life, responsibilities, generosity, and legacy.
What does financial planning look like for a young family?
For a young family, financial planning often means coordinating cash flow, debt, protection, retirement savings, education goals, and estate decisions while responsibilities are growing.
Serving Lynchburg & Central Virginia since 2009
The name Servus means "servant" in Latin — a principle that has guided the firm since Allan Malina founded it in 2009. We're based in Lynchburg and work with families, small businesses, and nonprofits across Forest, Bedford County, Smith Mountain Lake, and the wider region. Virtual meetings are available where permitted. Allan also hosts Purpose Driven Finances on WLNI 105.9 FM.
1922 Graves Mill Road, Lynchburg, VA 24502 • (434) 316-0246 • info@servuscm.com
Frequently Asked Questions
Are you a fiduciary financial advisor?
Yes. As a registered investment adviser, Servus Capital Management has a fiduciary duty to act in the best interests of its clients.
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 product-sales compensation of any kind, which helps reduce the conflicts that come with commission-based advice.
Do you have account minimums?
No. We do not require a minimum investment-account balance to begin a relationship. The appropriate service and fee structure depend on the work you need.
Do you actively monitor client portfolios?
Yes. We believe portfolio decisions require ongoing review rather than a one-time allocation. Portfolios are reviewed as market conditions, portfolio roles, and your circumstances change.
Do you provide coordinated financial planning?
Yes. We examine the connected parts of your financial life — investments, retirement income, tax considerations, insurance, estate-plan coordination, and charitable giving — and build one coordinated plan around your values and goals.
Who do you work with?
Families, retirees, small business owners, and nonprofits across Lynchburg, Forest, Bedford County, Smith Mountain Lake, and Central Virginia. Virtual meetings are available where permitted.
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.
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.
Which Question Should We Work Through First?
You do not need to solve every part of your financial life before beginning.
Start with the question that matters most to you now.
