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About Us

• Galatians 5:13 •
"You, my brothers and sisters, were called to be free. But do not use your freedom to indulge the flesh, but through love serve one another."

One important distinction in working with Thrive Stewardship compared to your average investment firm is the option to approach planning and finance with a Biblical perspective. If Faith has been minimized from your finances in the past, and you desire to be a better manager of His money, we have guidance and principles that starts your Faith-based plan with an emphasis on generosity, being intentional and living a debt-free lifestyle. 

Proudly voted the "Best of the Best" Financial Advisor of 2021 through 2025

for the cities of Rocklin, Roseville and Granite Bay

       


Thrive Stewardship aims to provide the Sacramento area with options beyond the standard financial advisor and client experience. HBW Advisory Services, with a rich 30+ year history, has provided the groundwork as the Parent Firm to enable advisors the freedom to serve clients and communities with fantastic reach, flexibility and world-class investment options that exceed the norm.

Client Centered

In continuing this heritage, but with a shift in focus towards Faith, Thrive Stewardship Financial Advisors, Inc. opened its doors. Remaining under the umbrella of HBW, Thrive is positioned to additionally offer more Stewardship focused money management practices.

This enables the Estate Planning, Insurance, and Investment teams to all coordinate together and implement wealth building tools in ways that honors both God and our client's legacies, as well as offer optional Faith-based planning that starts with generosity, being intentional and living a debt-free lifestyle!

Best Interest Advisors

Fiduciary means a legal obligation to act in the best interest of one's clients.
That's why we refer to ourselves as "Best Interest Advisors".

A fiduciary is someone legally obligated to act in the best interest of another. Because of that, we like to refer to them as Best Interest Advisors. As one of the highest legal duties of one party to another, being a fiduciary requires being bound ethically to act in the other's best interests. In other words, we ALWAYS have your back.
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If you go to a bank advisor or fund company who own their own mutual funds, which funds do you think they are going to recommend? Probably their own, right? See the potential conflict of interest there?

Many “financial advisors” say they have their clients' best interests in mind, but are prone to recommend products that they or their company will benefit from. That sounds more like their own best interest. That's why we recommend you don’t use an advisor who is not a licensed fiduciary and be aware when you're being recommended products; not services. As an independent advisor and a fiduciary, we will never limit your options and will always give you honest recommendations.

Our Services

Our Services

Services and strategies that are tailored to your needs and goals.

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Our Mission

Our Mission

Years of experience have prepared us to guide you through your life transitions.

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Chad Francis was voted Roseville’s best financial advisor in June 2021, June 2022, October 2023, October 2024, and October 2025. 2021 and 2022 was a local polling from the Roseville Press Tribune. 2023, 2024, and 2025 were a larger local polling from Style Magazine. Voters were not compensated but Chad Francis paid to have graphics added on the voting pages, and to have his profile published in the magazines upon winning. Payment was made directly to the publishing companies (Roseville Press Tribune and Style Magazine) only for the years Chad participated in the voting process.