David Laut focuses intently on tactical asset allocation and faith-forward stewardship. As the CIO of KERUX Financial, he combines nearly two decades of market experience with a commitment to aligning family wealth with eternal purpose.
Investment advisory services offered through KERUX, a Registered Investment Advisor.
David’s Story
My journey into stewardship began at fifteen, working for my father’s construction company. I still remember the day he pulled me aside with a piece of advice that would define my career: “Remember, the work you do has your name written on it. It represents you and our family”.
Years later, that principle was reinforced by a mentor who told me, “How you do the little things is how you do everything”. Today, these remain my guiding principles. They inspire me to deliver work that honors my family, serves my clients with excellence, and ultimately brings glory to my Father in heaven.
It’s important to disclose that any references to third-party rankings or recognitions in our communications are based on information obtained from reputable sources. These rankings or recognitions, whether directly stated or implied, do not endorse or guarantee the reliability of our services or the accuracy of the information we provide. The criteria and methodologies utilized by third-party ranking entities may differ and could result in varying outcomes. The use of such rankings should not be construed as an endorsement or recommendation by these entities. Please be aware that any references to third-party rankings do not reflect any affiliation or endorsement between us and these entities. If you have any questions or seek clarification about the context of these rankings, please visit Forbes Methodology page here.
The distinction of each of these Forbes awards are based on these respective ranking lists: Forbes Best-in-State 2025 is based on 2025 ranking lists, Forbes Top Next-Gen Wealth Advisors Best-In-State 2024 is based on 2024 ranking lists, and Forbes America’s Top Next-Gen Wealth Advisor’s 2024 list is based on 2024 ranking lists. These lists contains the top wealth Advisors in their respective criterion, and David Laut’s placement on the lists awards him these distinctions.
Some of our professionals are certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics.
To become a CFP® professional, an individual must fulfill the following requirements:
Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials.
Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.
Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.
Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals.
Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:
Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional’s services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client.
Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards.
