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Our Team in Charlotte, NC

The Everyday Steward practice in the Charlotte office of Ronald Blue & Co. is designed to assist clients in making sound financial decisions based upon objective, Biblically-based principles. Everyday Steward services in the Charlotte office are coordinated by Charles Terry and Sarah Baker.

Fees for hourly financial planning are $180 per hour. Fees for investment management services are a percentage of the asset balances under management. To find out how we can serve you, click here.

To speak directly with us or schedule a meeting, contact Charlotte via phone (704) 409-1915 or via email.


Michael Cranford
Personal Financial Advisor
Everyday Steward of Charlotte
As a financial planner for Everyday Steward Charlotte, Michael offers fee-only financial planning and investment services to clients across the Carolinas. Through objective advice and counsel, he helps individuals and families live a life of purpose, focus on their goals and financial issues that are important, and experience financial peace of mind. He has a particular passion for helping families free up resources for the funding and support of Christian classical education. Prior to joining Ronald Blue and Co. in 2008, Michael served as Director of Business Retention and Expansion for the Union County Partnership for Progress, and as an Investment Representative at Edward Jones. He obtained a Bachelor's degree in Finance from Wingate University. Michael and his wife, Anna, live in Concord, NC.

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Sarah Baker, CFP®
Personal Financial Advisor
Everyday Steward of Charlotte
As a Senior Financial Planner for Everyday Steward Charlotte, Sarah offers fee-only hourly financial planning and investment management services to clients across the Carolinas. Prior to joining Ronald Blue and Co. in 2006, Sarah worked as a Retirement Specialist at Vanguard. Sarah is a CERTIFIED FINANCIAL PLANNER™ certificant and received her B.S. in Finance from West Virginia University. Sarah lives in Charlotte and attends Forest Hill Church.

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Charles Terry, CFP®
Personal Financial Advisor
Everyday Steward of Charlotte
As a Senior Financial Planner for Everyday Steward Charlotte, Charles offers fee-only hourly financial planning and investment management services to clients across the Carolinas. He has served as a Subject Matter Expert for the CFP® Board on several occasions. Prior to joining Ronald Blue and Co. in 2006, Charles worked as an Area Director for Young Life, an outreach ministry to high school students. Charles received a Bachelor's degree in Mathematics from the University of North Carolina at Chapel Hill and is a CERTIFIED FINANCIAL PLANNER™ certificant. He and his wife Amy live in Rock Hill, SC and are the proud parents of their daughter Caroline.

Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, Certified Financial Planner™ and in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.