A budget is a powerful way to take control of your financial life. It allows you to make intentional choices that reflect your faith, family, and future. Our team takes the extra time to understand what truly matters to you, so we can build a plan that supports your financial goals and the life you want to live.
Budgeting can feel overwhelming, especially if you’re facing financial challenges or experiencing unexpected life changes. That’s where our team of advisors steps in to help you to break down your financial situation, identify opportunities for improvement, and create a plan that makes sense for your life. We’ll help you stay accountable to your budget and adjust it as your circumstances evolve so that you’re always moving toward your goals.
Budgeting helps you control your spending, prepare for emergencies, and work steadily toward your financial goals.
We customize budgeting strategies to fit your unique situation, making your plan practical, flexible, and easier to stick with
Even small amounts matter-budgeting helps you prioritize essentials and build financial security step by step.
Yes, we can create a personalized plan to help you pay down debt efficiently while still meeting your other financial goals.
We recommend reviewing and updating your budget monthly or whenever your income or expenses change significantly.
Absolutely-we’ll work with you to develop a savings and retirement strategy that fits your lifestyle and prepares you for the future.
Let’s create a financial plan that works for you—with your values and intentions at the center.
Jared Schumacher holds numerous degrees in engineering/business and the humanities, including a PhD in Political Theology, and is a published researcher in the fields of politics, economics, social theory, and theology. He recently left a career as an associate professor to join the team at Bona Fide Finance, where he hopes to put his moral and political focus to good use offering financial services and advice for navigating our complex political and economic climate with integrity and thoughtfulness. He joins the team as a paraplanner, while studying to obtain the CERTIFIED FINANCIAL PLANNER® certification in the coming years.
Jared grew up in Alaska and Texas, and spent over a decade studying and teaching abroad with his wife, Carrie, living in Lithuania and Belgium, but also spending considerable time in Germany and Uganda. Their family has grown to include eight kids; and when not contemplating the mysteries of the financial universe, their days are full with homeschooling, soccer and baseball practice, and piano recitals.
Rooted in Europe and serving clients worldwide, Dorian advances Bona Fide Finance’s global, research-driven investment process. He is an Investment Advisor Representative and an associate advisor who leads the firm’s investment research and portfolio construction, giving each plan a consistent, evidence-based foundation so clients can stay disciplined through any market cycle. Working at the intersection of American and European finance and business culture, he helps families align portfolios with what truly matters to them. He is also working toward the Chartered Financial Analyst® (CFA®) designation.
His path into finance has been global from the start—and personal from a young age. Introduced to the world of finance and economics by his grandfather, an accountant and entrepreneur, Dorian grew up curious about how money moves and how families build durable wealth. He holds a bachelor’s degree in finance and accounting and a master’s degree in finance and banking, with studies across three countries: University of Rijeka (Croatia), Charles University (Prague, Czech Republic), and University of Coimbra (Portugal). He has lived in Croatia, the Czech Republic, Portugal, and Spain, and traveled to 22 countries across three continents. An explorer at heart, he continues to work remotely while traveling, building a wide network and a practical, cross-border perspective on how families can grow and preserve wealth.
Before joining Bona Fide Finance, Dorian worked with Sovereign Man (now Schiff Sovereign), exploring international real estate, offshore banking, and second residencies and citizenships to help families enhance their financial sovereignty. He also partnered with economist Saifedean Ammous, author of the bestselling The Bitcoin Standard, contributing research on the printing industry and helping establish a global fulfillment network for his books—work acknowledged in The Fiat Standard and Principles of Economics. Raised on the Adriatic island of Rab, he now lives in Croatia with his wife, Kim, and they are eagerly awaiting the arrival of their first child, Gabriel.
Deb has been with Bona Fide Finance since its inception in 2015 and long before that with her support of Ben studying for the CFP designation and the dream of starting the business of helping individuals and families meet their financial goals.
She fills the Relationships Specialist role – Deb is typically the first encounter our new clients have as she walks them through our service offerings and introduces them to the map of financial literacy.
She has a bachelor’s degree from Ball State University and a master’s degree from the Franciscan University of Steubenville. Deb lives in Bismarck with Ben and their two young daughters, is a card-carrying member of the CDL club (read more about those adventures here) and is happiest reading an epic novel, solving a 1000-piece jigsaw puzzle, or working in her kitchen where she can serve love to the people in her life through quality food (clients enjoy her holiday shipment of homemade goodies each December!).
Ben Martinek, CFP®, EA, CSLP®, RICP®, is the founder and lead advisor at Bona Fide Finance, an independent, fee-only firm dedicated to helping doctors, young professionals, and growing families take control of their financial future. With a deep understanding of student loan debt—having tackled his own—Ben specializes in guiding clients through debt repayment strategies, smart investing, and comprehensive financial planning so they can build wealth with confidence. Ben’s passion for financial planning comes from his desire to provide honest, objective advice tailored to each client’s unique situation. He loves seeing the impact of his work, whether it’s helping a family pay off student loans years ahead of schedule, setting up an early retiree for financial freedom, or giving clients the peace that comes from knowing their finances are in order. His clients appreciate his thoughtful, high-touch approach, often saying that working with him has changed their lives.
Before launching Bona Fide Finance in 2015, Ben’s career path was anything but conventional. The fourth of nine children, he grew up in rural Indiana and initially pursued a path in academia, earning a B.A. in philosophy and classical languages, followed by a master’s degree in philosophy. Along the way, he explored careers in construction and truck driving—logging over 600,000 miles across the U.S. with his wife, Deb—before finding his true calling in financial planning.
Now based in Bismarck, North Dakota, Ben and Deb stay busy raising their two daughters, Edith and Virginia. Since their truck-driving days, Ben is happiest on a long road trip—preferably behind the wheel of his TDI Volkswagen Jetta. He enjoys sailing on Lake Sakakawea, camping in their vintage ’90s pop-up camper, and smoking a pipe by the grill. A lover of strategy board games, he favors Clans of Caledonia (mostly because Deb refuses to play Risk with him). When he’s not working with clients, he can be found smoking meat, gardening, hiking, or diving into The Lord of the Rings or Dune. Ben also serves on the school board for his daughters’ Montessori school and is actively involved in pre-marriage ministry in the Bismarck Diocese.