Avena Impact Wealth Advisors

Avena Impact Wealth Advisors We love helping joyful, generous, values-based people looking for tax-smart strategies to grow, protect, spend, and deploy wealth, especially for impact.

Book Your Discovery Call 👇 At Avena Impact Wealth Advisors, we believe wealth should do more than grow—it should unlock possibilities for meaningful impact. We specialize in sophisticated financial stewardship for individuals and couples facing complex decisions about retirement, tax optimization, investing, and legacy planning. While other approaches focus solely on accumulation, we help you beco

me a steward who uses financial resources to create lasting change. Our expertise in tax mitigation, impact investing, and strategic planning reveals opportunities you didn't know existed, allowing you to deploy resources to new spaces. Named after "Avena" (oats in Spanish and Italian)—a humble grain that nourishes generations—we cultivate financial resources with purpose, helping you stockpile wisdom for uncertain times and extend your influence beyond yourself. Whether you're navigating retirement transitions, complex tax situations, or seeking to integrate your faith with your finances, we provide the expertise you need to reimagine what's possible. Ready to transform complexity into opportunity? Let's explore how wealth can unlock your passion for impact.

08/18/2026

Faith-washing is real. Here is how to spot it.

Almost 9 in 10 Christian organizations say impact measurement is a priority. But most still rely on relationships and good stories when making investment decisions.

That disconnect is exactly where faith-driven investors get misled.

Vetting impact is not just about checking if a fund sounds aligned with your values. It is about asking the harder questions that most investors never think to raise: Is there a real theory of change behind the vision statement? Which specific indicators are tracked consistently across every deal in the portfolio? Are shared measurement frameworks being used to connect financial returns with spiritual, social, and environmental outcomes?

There is also a maturity shift worth understanding. The most seasoned Kingdom investors do not just ask for better reports. They understand that rigorous measurement requires intentional support, and they factor that into how they evaluate and engage with funds and ministries.

If your goals include both retirement income and lasting impact, your private allocation deserves more than a compelling story.

Advisory services through Arete Wealth Advisors LLC, an SEC-registered investment adviser. Securities offered through Arete Wealth Management, LLC, member FINRA and SIPC. Educational content only; not individualized advice. Investing involves risk, including loss of principal.

Avena Impact Wealth Advisors is a financial advisory ensemble serving families and individuals focused on tax-aware retirement planning, values-based investing, and meaningful giving and impact.

08/15/2026

Your portfolio may be funding what you're against.

Most investors are genuinely surprised when they dig into their mutual funds and ETFs. The majority of index-based funds apply zero filters, which means your money could be going toward polluters, to***co companies, or other holdings that conflict with your core beliefs.

The good news: there are free tools that make it easy to check.

From sector-level screeners to faith-based research tools, you can identify mismatches between your holdings and your values in a single afternoon. And if you want to make a change, there are now entire categories of funds built around ESG and biblically responsible criteria.

All investing is impact investing. The only question is whether the impact is one you'd choose.

Advisory services through Arete Wealth Advisors LLC, an SEC-registered investment adviser. Securities offered through Arete Wealth Management, LLC, member FINRA and SIPC. Educational content only; not individualized advice. Investing involves risk, including loss of principal.

Avena Impact Wealth Advisors is a financial advisory ensemble serving families and individuals focused on tax-aware retirement planning, values-based investing, and meaningful giving and impact.

08/04/2026

Locking up money for a decade near retirement: smart or risky?

Private equity and private credit have become a go-to conversation in retirement planning circles. The appeal is real: potentially higher returns in exchange for tying up your capital.

But what often gets glossed over is the full cost of illiquidity.

When capital is locked up for 7 to 10 years, it cannot be redirected if retirement timing changes. It cannot support a major purchase, a relocation, or a charitable goal that becomes meaningful during those years.

No daily pricing can protect you from emotional selling during market swings, but it also removes your ability to rebalance, capture tax losses, or respond when life takes an unexpected turn.

For professionals in their 50s approaching retirement, that lost flexibility is often worth more than the illiquidity premium being offered, particularly when tax-efficient liquid strategies can deliver comparable risk-adjusted results with far more adaptability.

The right structure depends on your timeline, your goals, and what you can genuinely afford to set aside.

Advisory services through Arete Wealth Advisors LLC, an SEC-registered investment adviser. Securities offered through Arete Wealth Management, LLC, member FINRA and SIPC. Educational content only; not individualized advice. Investing involves risk, including loss of principal.

Avena Impact Wealth Advisors is a financial advisory ensemble serving families and individuals focused on tax-aware retirement planning, values-based investing, and meaningful giving and impact.

07/30/2026

Rental properties + stocks isn't necessarily diversification.

Here's what most real estate investors miss: stocks and real estate respond to many of the same economic pressures. When interest rates rise, GDP slows, or market confidence drops, both asset classes tend to decline together.

Owning different types of assets isn't the same as owning assets that behave differently from each other.

The geographic problem makes this even sharper. Three rental properties in the same metro area means your risk isn't spread. It's stacked. And right now, some of the markets that saw the most construction during the pandemic are experiencing some of the steepest price declines.

True diversification means having assets that hold up when others are falling. If your portfolio and your properties tend to sink at the same time, you may be less protected than you think.

Advisory services through Arete Wealth Advisors LLC, an SEC-registered investment adviser. Securities offered through Arete Wealth Management, LLC, member FINRA and SIPC. Educational content only; not individualized advice. Investing involves risk, including loss of principal.

Avena Impact Wealth Advisors is a financial advisory ensemble serving families and individuals focused on tax-aware retirement planning, values-based investing, and meaningful giving and impact.

07/21/2026

One retirement mistake could cost you six figures.

Many people work through retirement income planning like a checklist: handle Social Security timing, then do some Roth conversions, then figure out which accounts to draw from first.

It feels organized. But treating these as separate decisions can quietly leave a significant amount of money on the table.

Social Security timing affects your tax bracket. Your tax bracket affects your Medicare IRMAA surcharges. A Roth conversion in the wrong year can push both even higher. And your withdrawal sequence can compound the impact further.

These are not independent choices. They are connected levers inside one system, and pulling one without accounting for the others can create coordination gaps and hidden tax traps.

The real question is not whether each decision looks smart on its own. It is whether all the decisions work together efficiently across your entire retirement income picture.

Advisory services through Arete Wealth Advisors LLC, an SEC-registered investment adviser. Securities offered through Arete Wealth Management, LLC, member FINRA and SIPC. Educational content only; not individualized advice. Investing involves risk, including loss of principal.

Avena Impact Wealth Advisors is a financial advisory ensemble serving families and individuals focused on tax-aware retirement planning, values-based investing, and meaningful giving and impact.

07/09/2026

What if impact investing is actually the high-return choice?

The conventional story says investing for good means accepting lower financial returns. But a closer look at the data, and at how we define return in the first place, tells a more interesting story.

Sustainable funds returned 12.5% in the first half of 2025, compared to 9.2% for traditional funds (Morgan Stanley). The assumed financial penalty did not materialize.

But beyond the numbers, there is a bigger question worth sitting with: are you only measuring the return that shows up on your personal financial statement? Because that is a narrow slice of everything that might actually be growing.

For investors motivated by faith or values, the full return includes stewardship of resources, care for community, and alignment between money and meaning. None of that appears in a portfolio report, but it is real.

The tradeoff is not always return versus impact. Sometimes it is simply a question of which kind of return you are choosing to prioritize.

Advisory services through Arete Wealth Advisors LLC, an SEC-registered investment adviser. Securities offered through Arete Wealth Management, LLC, member FINRA and SIPC. Educational content only; not individualized advice. Investing involves risk, including loss of principal.

Avena Impact Wealth Advisors is a financial advisory ensemble serving families and individuals focused on tax-aware retirement planning, values-based investing, and meaningful giving and impact.

07/08/2026

Your net worth is not your real liability exposure.

Most households set umbrella insurance limits by looking at what they own today. It feels logical, but it ignores something just as important: what you stand to earn.

For someone in their mid-40s with a strong income, the next two decades of earnings represent a significant financial target, potentially millions of dollars that a civil judgment could reach.

And courts are not the only ones paying attention. The visible markers of a comfortable life, the neighborhood, the vehicles, the profession, often do more to signal payment ability than any balance sheet ever would.

What surprises most people is how little it actually costs to raise coverage. The difference between one and two million dollars in protection is frequently under a hundred dollars a year.

This is less about cost and more about making sure the coverage you carry reflects the full picture of what you have built and what you are still building.

Advisory services through Arete Wealth Advisors LLC, an SEC-registered investment adviser. Securities offered through Arete Wealth Management, LLC, member FINRA and SIPC. Educational content only; not individualized advice. Investing involves risk, including loss of principal.

Avena Impact Wealth Advisors is a financial advisory ensemble serving families and individuals focused on tax-aware retirement planning, values-based investing, and meaningful giving and impact.

07/08/2026

Most estate plans skip three of the most important questions.

After 20 years in estate and charitable planning, I've seen the same pattern repeat: families who did the financial work carefully, but never addressed the questions that determine whether that wealth actually lands the way they intended.

There are three questions in particular that tend to get deferred until the moment has passed.

One is about purpose, not dollars. One challenges what most people assume generosity looks like. And one involves timing in a way that surprises almost everyone who finally thinks it through.

Missing any one of these can quietly undermine the plan you've spent years building.

Advisory services through Arete Wealth Advisors LLC, an SEC-registered investment adviser. Securities offered through Arete Wealth Management, LLC, member FINRA and SIPC. Educational content only; not individualized advice.

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532 W 16th Street Ste 20
Holland, MI
49423

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