Howard Dayton is cofounder of Crown Financial Ministries, created by a 2000 merger of Crown Ministries, which he founded in 1985, and Larry Burkett’s Christian Financial Concepts. Howard’s books and small group financial studies have been used by thousands of churches and individuals. He is a former naval officer, restaurateur, and a real estate developer. Howard and his wife, Bev, have been married for more than 35 years. They reside in Gainesville, Georgia, and have two children.