NCFA

What NCFA does

NCFA (National Christian Financial Advisors, Inc.) is a minority-owned, fee-only independent registered investment advisory (RIA) firm founded in 2006 and headquartered in Douglasville, Georgia, with 1-10 employees. The firm operates four primary customer franchises: high-net-worth individuals and families, healthcare and education professionals with employer-sponsored 401(k)/403(b)/457 plans, Muslim investors seeking Shari'ah-compliant solutions, and Judeo-Christian investors seeking faith-aligned ethical portfolios. Corporate and sovereign mandates round out the client base through treasury services and Islamic investment banking. Under founder-CEO and CIO Hakeem J. Webb, the firm's defining intellectual property is the trademarked Ethico-Economics™ framework, which integrates ethical principles from the three Abrahamic faiths with Modern Portfolio Theory and BlackRock Aladdin risk analytics to produce both conventional and Shari'ah-compliant portfolios.

The product stack is layered. At the base sits NCFA MyPlan™, a $100/year digital financial planning membership powered by RightCapital that delivers account aggregation, retirement, tax, Social Security, estate, Medicare, and student-loan planning at a price point deliberately far below traditional planning firms. Above it sit two parallel portfolio suites: the NCFA/Cyborg-Advisors Portfolios (six risk tiers from Very Conservative to Aggressive Growth), executed on Betterment's platform with $250 minimums and a 4.00% APY cash reserve option; and the Ethical Pathway Investment Portfolios (EPI), a Shari'ah-compliant suite benchmarked against AAOIFI-compliant Sukuk, the FTSE Shariah USA Index, and the Dow Jones Islamic World Index, with Shari'ah oversight from Dr. Main Alqudah of the AMJA Fatwa Committee. Custom ETF, stock, bond, options, and forex portfolios are executed through Interactive Brokers, which also enables low-cost corporate bond trading at 2.5-10 bps. Bespoke advisory covers private wealth management, retirement plan advice, insurance planning through Equitable variable annuities, and Islamic investment banking including Sukuk, Musharakah, and Mudarabah structuring for U.S.–Middle East cross-border transactions.

NCFA monetizes through three channels: a recurring $100/year subscription for NCFA MyPlan™; fee-only AUM-linked advisory on managed portfolios (the firm holds full discretionary authority); and project-based fees for treasury services, fixed-income trading, and Islamic investment banking engagements. Marketing is a hybrid of SEO/content, social (Twitter, Facebook, LinkedIn), email, webinars, podcast content ("2025 Corporate Guidance"), and consultation bookings via Zoho Bookings. The firm is bootstrapped — no funding rounds, no parent, no disclosed AUM or revenue — and operates as a small, founder-controlled boutique whose scale ceiling is constrained by a 1-10 headcount and the absence of institutional capital.

Name

NCFA

Legal name

National Christian Financial Advisors, Inc.

Website

https://ncfainc.org

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

NCFA is a fee-only, independent registered investment advisory firm that combines faith-aligned (Judeo-Christian and Shari'ah-compliant) investing with Modern Portfolio Theory, serving HNW individuals, healthcare and education professionals with employer plans, and corporate/Middle East institutional clients.

Ownership category

akta.pro rank

Product category

Wealth Management and Faith-Based Investment Advisory

NAICS

Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industry

Capital Markets Advisory (IPO Readiness, SPAC, ECM/DCM Advisory) (BPAHAOAL)

Keywords

• Wealth management services
• Faith-based investing
• Shari'ah-compliant investing
• Retirement plan advisory
• Fee-only fiduciary advisory

Headquarters

HQ city

Douglasville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Financial Planning Membership Fees: Annual membership fee of $100 for NCFA MyPlan™ comprehensive financial planning services through digital platform, providing access to professional financial planners, investment advisers, and wealth managers.
2. Fee-Only Advisory Services: Fee-only investment advisory firm. Clients grant full discretionary authority to NCFA for investment management. Financial planning services offered through digital platform.
3. Investment Management Services: Investment management services across all major asset classes including conventional and faith-based (Judeo-Christian, Islamic/Shari'ah-compliant) solutions. Manages retirement plans (401k, 403b, 457), wealth management, and treasury services.
4. Treasury Services: Corporate treasury services including cash management, fixed income strategies, forex, futures/FOP trading, and liquidity management for businesses.
5. Investment Banking Advisory: Investment banking solutions including mergers and acquisitions, capital raising, Shari'ah-compliant structures, Sukuk issuance, and project finance advisory.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

NCFA is a fee-only independent registered investment advisory firm that delivers personalized wealth management, financial planning, retirement plan advisory, and treasury services built around its proprietary Ethico-Economics™ framework. Offerings include the NCFA MyPlan™ $100/year digital planning membership, NCFA/Cyborg-Advisors and Ethical Pathway Investment portfolios via Betterment, Shari'ah-compliant advisory under AMJA oversight, fixed-income and treasury trading through Interactive Brokers, and faith-aligned investment banking.

Product overview

NCFA (National Christian Financial Advisors, Inc.) is a minority-owned, independent registered investment advisory firm offering a multi-product wealth management and investment advisory platform. The company provides two complementary portfolio ecosystems: (1) NCFA/Cyborg-Advisors Portfolios (six risk tiers via Betterment) and (2) Ethical Pathway Investment Portfolios (Shariah-compliant with six tiers plus Short-term Alternative Cash & Bond), both constructed using Modern Portfolio Theory and BlackRock Aladdin risk analysis. Core services include investment advisory, wealth management, retirement plan services (401k/403b/457), treasury services, Islamic finance, insurance planning, and the NCFA MyPlan™ digital financial planning membership ($100/year). The firm bridges conventional finance with Judeo-Christian and Islamic (Shariah-compliant) investment solutions.

Differentiator

Problem solved

Functional benefit

Brands

• NCFA MyPlan: Digital financial planning platform offering comprehensive planning services for individuals, families, and businesses at $100 annual membership
• NCFA/Cyborg-Advisors Portfolios
• Ethico-Economics
• Ethical Pathway Investment Portfolios (EPI)
• Investor Metric Risk Score

Products and services

• NCFA MyPlan™ Annual $100 membership digital comprehensive financial planning platform powered by RightCapital, providing account aggregation, real-time financial monitoring, retirement, tax, social security, estate, and budgeting planning for individuals, families, and businesses.
• Ethical Pathway Investment Portfolios (EPI) Shariah-compliant portfolio suite with six risk tiers (Aggressive, Growth, Moderate Growth, Balanced, Conservative, Very Conservative) plus Short-term Alternative Cash & Bond Preservation, built with AAOIFI-compliant Sukuk, Islamic REITs, and FTSE Shariah USA/Dow Jones Islamic World Index benchmarks for Muslim investors.
• NCFA/Cyborg-Advisors Portfolios Flagship six-tier risk-adjusted ETF portfolio suite (Aggressive, Growth, Moderate Growth, Balanced, Conservative, Very Conservative) offered in partnership with Betterment, leveraging BlackRock Aladdin for risk modeling across equities, fixed income, real estate, and emerging markets.
• Betterment Portfolios via NCFA Curated Betterment ETF portfolios offered to NCFA clients including Climate Impact, Core, Cash Reserve, Goldman Sachs Tax-Smart Bonds, BlackRock Target Income, Broad Impact, Social Impact, Goldman Sachs Smart Beta, Innovative Technology, Value Tilt, and Crypto ETF, with accounts starting at $250.
• 401(k), 403(b), 457 Plan Services (SDBA) Personalized retirement plan advisory for employer-sponsored 401k, 403b, and 457 accounts, providing tailored investment selection, risk management, and growth optimization primarily for healthcare and education professionals.
• Investment Advisory Services Discretionary investment advisory across all major asset classes including alternatives and Shariah-compliant options, serving sovereign entities, institutional clients, corporations, and private individuals with customized portfolio construction, ESG integration, and tax-efficiency strategies.
• Private Wealth Management Comprehensive wealth management for high-net-worth individuals, families, and non-profits combining conventional and faith-based (Judeo-Christian and Islamic/Shari'ah-compliant) investment strategies with estate, tax, and retirement planning.
• Treasury Services Full-service corporate cash management and fixed-income solutions including daily cash management, global liquidity consulting, currency conversion, futures/FOP trading, spot currencies, and integrated cash management delivered via Interactive Brokers infrastructure and Certified Treasury Professionals.
• Shari'ah-Compliant Services Islamic finance advisory services including Halal certification guidance, Shari'ah-compliant investment management, financial planning, and Certified Shari'ah Wealth Planner (CSWP®) education, with continuous scholar oversight by Dr. Main Alqudah of the AMJA Fatwa Committee aligned to AAOIFI standards.
• Islamic Investment Banking Shari'ah-compliant investment banking including partnership financing (Musharakah, Mudarabah, Diminishing Musharakah), business advisory, capital raising through Sukuk and private equity, M&A advisory, and project finance targeting cross-border U.S.–Middle East transactions.
• Insurance Planning Personal insurance planning solutions including term, whole, universal, and variable life insurance, plus fixed, indexed, and variable annuities, featuring the Investment Edge® variable annuity from Equitable Financial with market downside protection and tax-deferred growth.
• Fixed Income Strategies Agency broker fixed-income trading spanning US Treasuries, European Government Bonds, UK Gilts (22 hours per weekday), corporate bonds, multi-sector fixed income, and high yield via Interactive Brokers, with competitive commissions of 2.5–10 bps and no mark-up on prices.
• Investor Metric™ Risk Score Proprietary 12-question risk-scoring system producing personalized scores on a 1–106 scale (Ultra Conservative through Aggressive Growth) that assigns clients to one of six portfolio risk tiers based on age, time horizon, drawdown tolerance, and recovery preferences.

Quantifiable outcome

• Potential annual savings of $7,800 to $16,300 compared to traditional financial planning firms
• +2 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability1 record

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and supporting.

• BettermentcoreTechnology or IntegrationStrategic partnership with Betterment enabling NCFA to offer sophisticated, professionally managed portfolios through Betterment's digital platform. NCFA leverages Betterment's curated selection of investment options including ETFs, Climate Impact, Social Impact, and specialized portfolios for their clients.
• Interactive BrokerscoreTechnology or IntegrationCustodian partnership providing trading infrastructure, brokerage services, and cash management through Interactive Brokers' platform. Offers IBKR Debit Mastercard, integrated cash management, bond trading, forex, and futures trading capabilities.
• RightCapitalcoreTechnology or IntegrationTechnology partnership powering NCFA MyPlan™ digital financial planning platform, enabling account aggregation, real-time financial monitoring, retirement planning, tax optimization, and comprehensive planning services.
• Dr. Main AlqudahcoreStrategic or Co-development PartnerResident Islamic Finance Consultant and member of the AMJA Fatwa Committee providing ongoing Shari'ah compliance oversight for all NCFA Islamic services and products. Ensures 100% Shari'ah compliance through independent evaluation, certification, and internal compliance leadership.
• Assembly of Muslim Jurists of America (AMJA)coreStrategic or Co-development PartnerIslamic scholarly organization providing authentic guidance and oversight ensuring all NCFA structures, partnerships, and solutions are rooted in authentic Islamic jurisprudence for Shari'ah-compliant financial services.
• Equitable (Equitable Financial Life Insurance Company)supportingTechnology or IntegrationInsurance carrier partnership offering Investment Edge® variable annuity products with access to 100+ investment options, market-linked growth potential, principal protection features, and tax-deferred growth.
• BlackRockcoreTechnology or IntegrationTechnology partnership utilizing BlackRock's Aladdin risk analysis platform for advanced portfolio risk modeling, volatility assessment, potential drawdowns, correlation risks, and stress testing scenarios in investment selection process.
• Goldman SachssupportingTechnology or IntegrationPortfolio provider offering Goldman Sachs Tax-Smart Bonds and Goldman Sachs Smart Beta portfolio options through Betterment platform, targeting high-income individuals seeking after-tax yield optimization.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Creative Planning: One of the largest US independent RIAs offering comprehensive wealth management, financial planning, and tax services. Broad incumbent peer showing the scale ceiling NCFA could approach through digital and partnership-led growth.
• Fisher Investments: Large global investment advisor managing discretionary portfolios for high-net-worth and institutional clients. Comparable investment management and treasury-adjacent capabilities, but at vastly larger scale and without faith-based specialization.
• Commonwealth Financial Network: Large independent broker-dealer and RIA support platform serving thousands of advisors. Adjacent incumbent with similar advisor-platform economics and retirement plan services.
• Mariner Wealth Advisors: National RIA providing comprehensive financial planning, investment management, and tax services to HNW clients. Broad incumbent in the same wealth management and financial planning space NCFA targets.
• Carson Group: National wealth management firm supporting a large network of advisor partners with technology, planning, and investment capabilities. Comparable platform-based RIA model and a reference point for what NCFA's partner-driven model could grow into.

Direct peers

• Azzad Asset Management: US-based Islamic investment manager offering mutual funds, separately managed accounts, and retirement plans aligned with Shari'ah principles. Directly comparable to NCFA's Ethical Pathway Investment Portfolios and 401k/403b/457 services.
• Saturna Capital: Manager of the Amana Mutual Funds, one of the largest US-based Islamic/values-based fund families. Direct peer to NCFA's faith-based portfolio suites, serving retail and institutional Muslim and ethical investors with Shari'ah-compliant strategies.
• ShariaPortfolio: RIA offering Shari'ah-compliant investment management and financial planning for individual Muslim investors in the US. Comparable niche, target audience, and product set to NCFA's faith-aligned advisory practice.
• Wahed Invest: Digital-first Shari'ah-compliant investment platform offering automated portfolios to Muslim investors globally. Closest direct competitor to NCFA on the digital/faith-based investing axis, though more consumer-tech driven and global in scale.

Emerging players

• Insight Wealth Group: Smaller US RIA focused on faith-based and values-aligned wealth management. Comparable niche positioning to NCFA, with overlapping client base among faith-oriented investors.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/HakeemWebb
• Facebookfacebook.com/profile.php?id=100063520208949
• LinkedInlinkedin.com/in/hakeemjwebb

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NCFA