“Most families lose their wealth not because of bad investing, but because they never built the structure needed to sustain generational wealth. In this episode of ChristianAlts, Matt Johns sits down with John Knowlton to explore why wealth rarely survives across generations—and why the real issue is often family governance, not portfolio construction. John brings a rare mix of experience to the conversation: pastor, financial advisor, leader, and founder of three Registered Investment Advisors. That blend shapes a thoughtful discussion on inheritance planning, shared values, stewardship, family decision-making, and what it actually takes to build wealth that lasts.

Rather than treating wealth as something to simply pass down, John argues that families need a common mission, a shared vision, and systems for how decisions will be made. He explains how his own family has built a family board, an investment committee, and a charitable committee to think intentionally about the future. This conversation is especially relevant for anyone interested in family wealth planning, multi-generational wealth, family legacy planning, and values-based wealth. If you’ve ever wondered why so much wealth disappears by the third generation, this episode offers a deeper answer: money alone is never enough. Without alignment, stewardship, and a structure that holds people together, wealth often becomes fragile instead of durable.”