Zak Lutz


LifeGuide Financial Advisors


Zak Lutz


LifeGuide Financial Advisors


I love the deep satisfaction I get by using how God has uniquely gifted me to tangibly help others. - Zak Lutz, CFP®, RLP®, CKA®

Fee-only, Christian faith-based financial planner located in Mechanicsburg, PA, serving clients locally and across the country

Zak is a fee-only, fiduciary financial advisor based out of Mechanicsburg, PA serving clients locally and across the country. LifeGuide Financial Advisors provides comprehensive, Christian faith-based Financial Life Planning, Investment Management, and Survivor Assistance services designed to help clients steward their resources well and make wise decisions with their wealth. As a fee-only, fiduciary, and independent financial advisor, Zak Lutz and the team are never paid a commission of any kind, and have a legal obligation to provide unbiased and trustworthy financial advice.

David "Zak" Lutz, CFP®, RLP®, CKA® is responsible for leading LifeGuide Financial Advisors' Investment Management, Financial Life Planning, and Compliance disciplines. He leads one of the firm’s advisory teams with a particular focus on serving high-net-worth clients, executives, business owners, medical professionals, complex estates, pastors, and fans of Kingdom Advisor.

Zak was born and raised in Carlisle, PA. He graduated Summa Cum Laude from Lehigh University with a BS in Mechanical Engineering and worked as an engineer at Gore & Associates for five years before finding his calling in financial planning.

His personal stewardship journey moved to a whole new level when he and his wife decided to embrace a “finish line” concept with their lifestyle, quantifying their “enough” and investing the rest of their income not in their investment accounts, but in God’s Kingdom.

Zak has experienced first-hand how investing in the Kingdom is the best investment one can make—an investment that will pay a return forever!

Zak holds the rigorous CERTIFIED FINANCIAL PLANNER™ (CFP®) designation through the American College, as well as the Registered Life Planner® (RLP®) and Certified Kingdom Advisor® (CKA®) designations.

He achieved Cabinet and Elite status with AFG, as well as being in the top ten of more than 750 financial advisors with ProEquities prior to LifeGuide becoming independent.

“I love the deep satisfaction I get by using how God has uniquely gifted me to tangibly help others. Financial planning brings these two things together for me in an exciting way. That is why I switched to this field from engineering. I especially like getting to apply my analytical problem-solving skills to take our clients to the next level in their journey. I’m always striving to help them find their next breakthrough to give them a higher level of peace, freedom, and impact.”


Outside of work:
Zak loves to share his passions for skiing, soccer, mountain biking, and exercise with his four kids. He and his wife, Lauren, love their church family and are involved in the children’s ministry.

His favorite organizations:

Zak Lutz is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

LifeGuide Financial Advisors is a fee-only, fiduciary Registered Investment Advisor (RIA) dedicated to helping families achieve financial peace, freedom, and eternal impact. 

At LifeGuide, we believe our job is more than maximizing your net worth by the end of your life. By taking a Christian faith-based approach to comprehensive, biblical financial life planning, investment management, and survivor assistance services, we want to inspire and equip you to live your most faithful and fulfilled life. 


LifeGuide is:

As a fee-only, fiduciary advisor, we act in your best interest and our only source of income is the fees we charge for our services. We don't receive any commissions or kickbacks ever. We are transparent and up-front on our website about the fees we charge, so you can know exactly what you're getting and how much it will cost.

• FAITH-FOCUSED — Our Christian faith is a foundational part of our firm's DNA. We root our advice in biblical principles, such as generosity, stewardship, and contentment, and strive to help our clients embrace an eternal perspective with their finances. We help our clients invest according to their personal convictions and beliefs and provide portfolio options from across the values-based spectrum—including biblically responsible investing (BRI). 

• TEAM-BASED — While much of the financial advising industry still employs a traditional “solo advisory model” where one client is assigned to one advisor, we’ve built our firm around a team-based advisory model. Our team, each led by a partner at our firm, includes CFP®, RLP®, and CKA® professionals—all collaboratively leveraging their knowledge, skillset, and experience to provide broad perspective.



LifeGuide at a glance:

  • We are a fee-onlyfiduciary advisor.
  • Our advice is rooted in biblical principles.
  • We provide in-depthteam-based service.
  • We serve more than 650 families.
  • We manage over $315 million in assets.

*Assets statistics as of 3/10/2023


“Teach those who are rich in this world not to be proud and not to trust in their money, which is so unreliable. Their trust should be in God, who richly gives us all we need for our enjoyment. Tell them to use their money to do good. They should be rich in good works and generous to those in need, always being ready to share with others. By doing this, they will be storing up their treasure as a good foundation for the future so that they may experience true life.”
– 1 Timothy 6:17-19 (NLT)

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Life Planning
  • Investment Management
  • Survivor Assistance
  • Retirement Income Planning
  • College Education Planning
  • Estate and Tax Planning

Ideal Clients

  • High-Net-Worth Clients
  • Business Owners and Executives
  • Medical Professionals
  • Complex Estates
  • Pastors and Fans of Kingdom Advisor

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Zak Lutz is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Zak Lutz is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Registered Life Planner® (RLP®)
    Zak Lutz is a Registered Life Planner® (RLP®)

    A Registered Life Planner® (RLP®) is a Financial Planner who has been fully trained in Life Planning by completing the three step process of becoming an RLP®: Seven Stages of Money Maturity® workshop, 5-Day Life Planning training and the 6 Month Mentorship Program. This method of training is based on the premise that advisors should first discover a client’s most essential goals in life before formulating a financial plan, so a client’s finances fully support those goals. They therefore become your partner in clarifying and achieving your most meaningful and deeply felt aspirations.

  • Certified Kingdom Advisor
    Zak Lutz is Certified Kingdom Advisor® (CKA®) - Click to verify and learn more.

    The CKA® is a designation granted by Kingdom Advisors to individuals who have demonstrated themselves to be able to apply biblical wisdom in counsel, technically competent, ethical, accountable, and a biblical steward.

Contact Zak Lutz

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Office Locations:

  • 400 W. Main St.
    Mechanicsburg, PA 17055
  • 2011 W. Trindle Rd.
    Carlisle, PA 17013

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