Money and Wealth under Biblical principles

Disciplines Represented

Inward on its members

We seek to provide practical support, prayer and fellowship for our members. This includes a primary focus on teaching and understanding biblical principles in financial planning and help with running a Christian business, particularly from a Biblical perspective. We also aim to be a key player in encouraging Christians into every part of the financial services industry.

Outward to the wider public

This Website provides members of the public with a search facility for finding a Christian finance professional to suit their specific needs. Our members come from many different disciplines. Just click on the job-title and you will be taken to a more detailed description of the services that are provided by each discipline with some useful background information:

Click each discipline below to expand for more information:


Provide accounting services often to companies and individuals. Accountants are usually either Chartered or Certified.

Debt Counsellors

Many of these organisations will be run by charities and volunteers. They seek to help those who get into debt organise their monthly repayments and deal with creditors, often coming to arrangements in the worst cases.

Insurance broker

An Insurance broker works to try to find you the best insurance deal for the risk that you need to cover. This would usually include all aspects of business insurance, household and car insurance as well as private medical insurance. Insurance brokers need to be authorised and regulated by the Financial Conduct Authority.

Financial Advisers – general

Some advisers will concentrate on product sales and finding the most

suitable product for a client, whilst others will focus more on

planning, setting objectives and providing advice. However, each will

probably end up helping with:

  • Retirement planning and financial independence
  • Mortgages and debt repayment
  • Saving for a specific purpose
  • Investing
  • Protecting
  • Tax planning

Each individual Financial Adviser must be authorised and regulated by the Financial Conduct Authority in order to give advice. Since the 1st January 2013 all Financial Advisers had to comply with the regulator’s Retail Distribution Review (RDR) which amongst other things forced advisers to charge fees for their services rather than be remunerated by commission. Within this group there are three main varieties of Financial Adviser with the differences explained below:

Financial Advisers (Whole of market/Independent)
These advisers will usually aim at providing holistic financial planning and when a product is required will select from those in the whole of the market. Independent Financial Advisers must go a stage further and always offer their client the option to pay for the advice they receive by fees.
Financial Advisers
These advisers provide a client with a product from a limited range of pre-selected plans, which they hope will fit a client’s needs as well as any others on the market.

Mortgage broker

These can operate as Whole of Market or Restricted in the same way as Financial Advisers. The same rules apply to mortgage advisers and brokers as apply to Financial Advisers in that the work they do is authorised and regulated by the Financial Conduct Authority and is only available once certain threshold qualifications have been passed.


Will be experienced in managing investment funds on your behalf. You would often expect there to be a minimum amount that stock-brokers will handle, depending on the firm. The service provided is authorised and regulated by the Financial Conduct Authority.


Generally these professionals will have not attained the same level of qualifications as Solicitors but are used to dealing with the specific aspect of Will-writing. Consequently they will usually charge less to draw up a Will than a Solicitor, although the regulatory protection will not be quite as robust.


Other organisations are represented most notably Christian Banks. These organisations have a clear Christian focus throughout their entire operation.Most, but not all ACFA members have some form of protection from a regulatory or professional body. Each FCA registered financial adviser must be individually authorised and regulated by the Financial Conduct Authority. It is important to ascertain your adviser’s qualifications and professional status at the first meeting/contact. ACFA can take no responsibility for advice given as a result of contact made with a member through this Site.

ACFA is a not for profit organisation overseen by an Executive Chairman and a Council of Reference. ACFA has an Administrator who is able to deal with administrative and membership issues.

If you wish to consider joining ACFA please email our Administrator by clicking here