Kevin Apolinar
Kevin is the CEO of Behavior Shift, which is a fee-only firm, meaning the only compensation they receive is from their Clients for their services. He is here to help clients organize and manage their financial lives. Their support allows clients to stay committed to their financial goals. They provide objective insights to help clients make rational decisions regarding critical financial matters, avoiding emotional influences. They work on anticipating key life transitions to ensure that their clients are financially prepared. They present clients with the specific knowledge they need to succeed in their financial journey. They partner with their clients to manage their time, talent, and treasure.
Kevin's life is a testament to his unwavering dedication and resilience, a commitment deeply rooted in his service. His work, strength, and everything he does is dedicated to Jesus, the crucified and resurrected King, as he acknowledges the daily challenges and the gift of salvation he has received through Jesus's death and resurrection on the cross.
Kevin's journey, born and raised in the Philippines, is a unique narrative that resonates with many. Drawing strength from his Filipino work ethic and radical hospitality, he takes pride in being a bridge for fellow immigrants.
Kevin served in the United States Army for over 13 years. His roles as a Recruiter, Drill Sergeant, and Instructor for the Alaska Army National Guard have instilled discipline and patriotism in him, enriching his approach to leadership and service in the financial sector. Kevin prioritizes understanding each client and explaining the investment world in relatable terms. He graduated from the University of Alaska Anchorage with a leadership degree and is pursuing designations like Chartered Financial Client and Certified Financial Planner. Additionally, he is working towards a Master's Degree in Financial Planning.
Family is paramount to Kevin. Parenting his son, Frank, and daughter, Max, with his wife, Melissa, is a beautiful journey that profoundly shapes his values and approach to life. Quality time with his family is cherished and integral to his core values, reinforcing the importance of love, support, and togetherness.
Grateful for the support and guidance he has received throughout his journey, Kevin aspires to give back and enhance the lives of those within his sphere of influence. He believes in the collective strength to rise, prevail, and overcome obstacles together. He is honored and pleased to guide, partner, and connect with his clients.
Kevin's life is a testament to his unwavering dedication and resilience, a commitment deeply rooted in his service. His work, strength, and everything he does is dedicated to Jesus, the crucified and resurrected King, as he acknowledges the daily challenges and the gift of salvation he has received through Jesus's death and resurrection on the cross.
Kevin's journey, born and raised in the Philippines, is a unique narrative that resonates with many. Drawing strength from his Filipino work ethic and radical hospitality, he takes pride in being a bridge for fellow immigrants.
Kevin served in the United States Army for over 13 years. His roles as a Recruiter, Drill Sergeant, and Instructor for the Alaska Army National Guard have instilled discipline and patriotism in him, enriching his approach to leadership and service in the financial sector. Kevin prioritizes understanding each client and explaining the investment world in relatable terms. He graduated from the University of Alaska Anchorage with a leadership degree and is pursuing designations like Chartered Financial Client and Certified Financial Planner. Additionally, he is working towards a Master's Degree in Financial Planning.
Family is paramount to Kevin. Parenting his son, Frank, and daughter, Max, with his wife, Melissa, is a beautiful journey that profoundly shapes his values and approach to life. Quality time with his family is cherished and integral to his core values, reinforcing the importance of love, support, and togetherness.
Grateful for the support and guidance he has received throughout his journey, Kevin aspires to give back and enhance the lives of those within his sphere of influence. He believes in the collective strength to rise, prevail, and overcome obstacles together. He is honored and pleased to guide, partner, and connect with his clients.
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Client Reviews
$2,500 to $3,500
One-Time Financial Planning Fee
Are You Our Ideal Client?
We work best with people & businesses that fall into these categories.
Clients who would be a good fit
Our ideal client is a faith-driven, family-oriented professional in their 30s to late 50s who balances financial responsibilities while striving to align their money with their values. They are hardworking, disciplined, and eager to create a secure financial future for their family.
Demographics
Age: 30-60
Marital Status: Married with young or teenage children
Profession: Stable, mid-to-high-income professionals (e.g., healthcare workers, nurse, small business owners, or military personnel)
Location: Southern California
Income Range: $100,000–$250,000 household income
Financial Situation & Challenges
Debt Load: Likely carrying some combination of mortgage, student loans, auto loans, and credit card debt
Retirement Planning: Contributing to a 401(k) or IRA but uncertain if they are saving enough
College Savings: Want to save for their children’s education but are unsure how to balance it with other goals
Home Ownership: Either homeowners with a mortgage or aspiring to buy within the next five years
Cash Flow Management: Feeling stretched between daily expenses, tithing, and long-term savings goals
Impact Investing: Interested in Biblically Responsible Investing (BRI) but unclear on how to implement it
Mindset & Motivations
✅ Faith-Driven: Seeks to honor God through financial stewardship and generosity.
✅ Family-Oriented: Wants to provide a stable and prosperous future for their children.
✅ Responsibility-Taker: Willing to make sacrifices and follow a plan but needs clear guidance
✅ Long-Term Thinker: Wants to make intentional decisions that build generational wealth
Pain Points & Frustrations
Overwhelmed by financial complexity – Unsure how to prioritize debt payoff, savings, and investments
Concerned about financial security – Fear of job loss, market downturns, or being unprepared for emergencies
Guilt around spending and giving – Struggles to balance enjoying life today while planning responsibly for the future
Lack of trusted guidance – Wants financial advice that aligns with their Christian values, not just profit-driven strategies
What They’re Looking For in a Financial Planner
Clarity & Organization – A step-by-step roadmap to financial security
Biblical Alignment – A professional who integrates faith-based financial principles
Accountability & Encouragement – Someone to guide, support, and help them stay on track
Flexibility – A plan that adapts to life changes without overwhelming them
How You Can Serve Them Best
✅ Debt Elimination Plans – Teaching them to manage and eliminate debt while maintaining generosity
✅ Goal-Based Financial Planning – Aligning their money with their faith, family, and future aspirations
✅ Faith-Driven Investment Strategies – Implementing Biblically Responsible Investing (BRI) to ensure their money supports their values
✅ Estate & Legacy Planning – Helping them build generational wealth and a
Kingdom-focused financial legacy
This client doesn’t just want financial success—they want financial peace, knowing their money is aligned with what truly matters.
Demographics
Age: 30-60
Marital Status: Married with young or teenage children
Profession: Stable, mid-to-high-income professionals (e.g., healthcare workers, nurse, small business owners, or military personnel)
Location: Southern California
Income Range: $100,000–$250,000 household income
Financial Situation & Challenges
Debt Load: Likely carrying some combination of mortgage, student loans, auto loans, and credit card debt
Retirement Planning: Contributing to a 401(k) or IRA but uncertain if they are saving enough
College Savings: Want to save for their children’s education but are unsure how to balance it with other goals
Home Ownership: Either homeowners with a mortgage or aspiring to buy within the next five years
Cash Flow Management: Feeling stretched between daily expenses, tithing, and long-term savings goals
Impact Investing: Interested in Biblically Responsible Investing (BRI) but unclear on how to implement it
Mindset & Motivations
✅ Faith-Driven: Seeks to honor God through financial stewardship and generosity.
✅ Family-Oriented: Wants to provide a stable and prosperous future for their children.
✅ Responsibility-Taker: Willing to make sacrifices and follow a plan but needs clear guidance
✅ Long-Term Thinker: Wants to make intentional decisions that build generational wealth
Pain Points & Frustrations
Overwhelmed by financial complexity – Unsure how to prioritize debt payoff, savings, and investments
Concerned about financial security – Fear of job loss, market downturns, or being unprepared for emergencies
Guilt around spending and giving – Struggles to balance enjoying life today while planning responsibly for the future
Lack of trusted guidance – Wants financial advice that aligns with their Christian values, not just profit-driven strategies
What They’re Looking For in a Financial Planner
Clarity & Organization – A step-by-step roadmap to financial security
Biblical Alignment – A professional who integrates faith-based financial principles
Accountability & Encouragement – Someone to guide, support, and help them stay on track
Flexibility – A plan that adapts to life changes without overwhelming them
How You Can Serve Them Best
✅ Debt Elimination Plans – Teaching them to manage and eliminate debt while maintaining generosity
✅ Goal-Based Financial Planning – Aligning their money with their faith, family, and future aspirations
✅ Faith-Driven Investment Strategies – Implementing Biblically Responsible Investing (BRI) to ensure their money supports their values
✅ Estate & Legacy Planning – Helping them build generational wealth and a
Kingdom-focused financial legacy
This client doesn’t just want financial success—they want financial peace, knowing their money is aligned with what truly matters.
Clients who wouldNOTbe a good fit
❌ Get-Rich-Quick Mindset – Those looking for high-risk investments or shortcuts to wealth rather than a disciplined, long-term approach. ❌ Unwilling to Engage – Clients who don’t want to take an active role in their financial journey or follow a structured plan.
❌ Financially Unstable Without Commitment to Change – If someone is in severe financial distress but unwilling to make necessary adjustments, they may need basic financial counseling before financial planning.
❌ Disregard for Values-Based Investing – Individuals who don’t prioritize aligning their investments with their faith and values.
❌ Focus on Wealth Over Purpose—If financial success is the only goal without regard to stewardship, generosity, or long-term impact, it may not resonate with a faith-driven approach.
❌ Financially Unstable Without Commitment to Change – If someone is in severe financial distress but unwilling to make necessary adjustments, they may need basic financial counseling before financial planning.
❌ Disregard for Values-Based Investing – Individuals who don’t prioritize aligning their investments with their faith and values.
❌ Focus on Wealth Over Purpose—If financial success is the only goal without regard to stewardship, generosity, or long-term impact, it may not resonate with a faith-driven approach.
Minimum Financial Requirements
Annual Income
No minimum required
Investable Assets
No minimum required
Client Specialties
Services Offered
Service Pricing
One-Time Financial Planning Fee
$2,500 to $3,500
Subscription
$250 to $250
Hourly Rate
$200 to $200
Meeting Options
Video meetings
In person meetings
Phone
Email
About Kevin Apolinar
Financial planner for Christians
Disclaimer
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2 Client Reviews
"Anthony helped guide me with selecting better investments in my 401(k) and my overall approach to retirement planning. He answered my questions and helped me feel comfortable with the strategy so I understood the reasons behind the changes we were making. His expertise was helpful because now I'm confident in the investments and a better overall strategy to help me reach my goal of maximizing for growth."
Balance Wealth isn’t just about managing finances; it’s about architecting equilibrium in your life. With our human-centered approach to financial planning, we aim to guide you towards this equilibrium. We’ll join you on your journey where balance, wealth, and a fulfilling life converge. We want to serve good, caring people who want to make a difference in this world and the lives of others – and we value that above the numbers on a page or dollars in an account.
PLAN for your future, KEEP more for your family, GROW for generations. Your Investment partner that manages your money like our own while considering taxes, estate, and business strategies. Ask me about Security Backed Lending!
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