Investment Philosophy
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As followers of Jesus Christ, it is important that we allow His word, the Bible, to influence every aspect of our lives. This includes the way we invest and handle money. Since all things belong to God, including our money, we should have a Biblical worldview of it.
Below, you fill find our Philosophy of Investing and our Biblical Philosophy of Money.
OUR PHILOSOPHY OF INVESTING:
These 6 Convictions make a difference!
Our president, Roy Russell, developed these six principles, and they have helped us honor God and wisely invest our clients' assets.
1.) We Have A Disciplined Approach to Investing!
All financial investments have a degree of risk. Your first consideration should be to identify the level of risk you are willing to assume. We work with you to determine your level of risk on an individual basis based upon your age, investing experience, resources and goals. Our goal is to reduce risk using appropriate asset allocation and diversification. Of course, diversification and asset allocation can not guarantee a profit or protect against a loss.
2.) Look for track records of longer than ten years.
All investment managers should have ample hands-on experience. Also consider the investment company and their operating expenses and customer service record.
3.) Where possible, we avoid investments that are morally offensive.
We believe that it is important to invest in funds that are not offensive to the Christian worldview, while providing excellent growth opportunities. We suggest that you consider the moral and ethical considerations of investing. Where possible we try to avoid alcohol, tobacco, pornography, and casinos.
4.) Keep your investing easy to understand.
It is necessary to have a basic understanding of how your money is invested. If you do not understand it, you shouldn't be in it. However, you have the responsibility to learn and be a wise steward. Investing does not need to be complicated.
5.) We don't like redemption fees or high annual expenses.
Surprises are not welcomed but, too often, a fact of life. The last thing people want are stiff penalties when they access their money. There are several ways to "hide" sale's costs. Watch out for stiff redemption penalties and high annual expenses. Insist on full disclosure, avoid accounts with long surrender penalties and high annual expenses.
6.) Think, "Prove it to me!"
Most importantly, when evaluating an investment, never limit yourself to the literature produced by the selling company. Independent research reports and objective literature are better ways to judge the merits of an investment. Always use third-party, independent, and unbiased research reports when researching an investment.
Biblical Philosophy of Money:
These 5 Biblical Sequential Priorities make a difference!
As we use the money that God has entrusted to us we need to understand that there is a priority and sequence to how it should be spent.
1.) Give
God, being a God of order, sequence and priority (Genesis 1:1-31, 1 Corinthians 14:40), asks that we take the first fruits of His provision and return a portion to Him
(Proverbs 3:9-10).
2.) Save
The family, as the foundation of God's plan for humanity, must retain financial freedom by having reserves (Proverbs 21:20) and practicing wise long-term management (Proverbs 21:5; 1 Timothy 5:8).
3.) Spend
Being honest, timely, and just with our creditors (Romans 13:7) fulfills our ethical obligations and supports our consistent testimony to the world around us
(1 Peter 2:15).
4.) Offerings
In response to God's bounty, stewards ought to be sensitive to the needs of others and be willing to help as they have opportunity (1 John 3:17-18), and before they spend money on personal pleasures.
5.) Luxuries
God's faithful and sovereign provision, when managed as discribed above (1 Corinthians 4:2), is to be enjoyed and appreciated (1 Timothy 6:17).
Call Today (800) 688-5800
Download our Legacy Data Sheet
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