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Emphasis: Fixed Income and Liquidity

By Bob Barber and Shawn Peters

With high-interest rates not seen in years and a very volatile stock market at this time, we are emphasizing our actively managed Ultra-conservative, Fixed-income Portfolio as an inflation hedge with NO stock market exposure and 100% daily liquidity with no surrender fees.

Why such an emphasis on managed Fixed Income now? 

• High Inflation. The latest is 6.4% annually.
• Fixed Income vehicles like bonds, bank notes, etc., are paying much higher interest rates than in the past as the Fed raises rates.
• There continues to be extreme Stock Market Volatility which many can not handle as the Federal Reserve raises rates to combat inflation. 
• Loss of Purchasing Power occurs due to inflation and requires active fixed-income management more than ever to combat inflation. 

What about CDs?

CDs have a small place in an overall portfolio strategy but still lag inflation by 1.5-2% annually, resulting in a significant loss of purchasing power, and are not liquid without a penalty. This is called “going broke safely” year by year. 

The Goal

An actively managed Liquid, Ultra Conservative Fixed Income Portfolio with many different types of fixed-income investments to mitigate risk, and keep up with the inflation rate, not lag it, may help maintain purchasing power without investing in more volatile stocks. 

Use a dual fixed-income strategy; we can help you with both. 

Brokered CDs at better rates than most banks (presently in the 5% range), plus using our Ultra Conservative Fixed Income Portfolio that’s completely liquid as an inflation hedge may be a good dual strategy for all your fixed income needs.

What now? 

Would you like to learn more about a dual fixed-income strategy as an inflation hedge without stock market exposure? We can be reached by phone or text at 830-609-6986 during regular business hours or you can set up an appointment (click here) to discuss what’s best for you. 

Bob Barber – CEO and President
Shawn Peters- CCO and Vice President[/vc_column_text][vc_empty_space][vc_column_text]

The views expressed represent the opinion of Christian Financial Advisors^®. The views are subject to change and are not intended as a forecast or guarantee of future results. This material is for informational purposes only. It does not constitute investment advice and is not intended as an endorsement of any specific investment. Stated information is derived from proprietary and nonproprietary sources that have not been independently verified for accuracy or completeness. While Christian Financial Advisors^® believes the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability. Accordingly, such statements are inherently speculative as they are based on assumptions that may involve known and unknown risks and uncertainties. Actual results, performance or events may differ materially from those expressed or implied in such statements. Past performance is not indicative of future results.

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The earth is the Lord’s, and everything in it, the world, and all who live in it.

Psalm 24:1 (NIV)

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WHO WE ARE

We are a values based and fiduciary driven firm offering financial planning & advice, retirement planning, and investment management. We use a comprehensive team approach consisting of Registered Investment Advisors and financial planners.[/vc_colored_box][/vc_column_inner][vc_column_inner width=”1/2″][vc_column_text]

Biblical wisdom is timeless, accurate, universal, and practical.

We Are Your Financial Advocate

We take the time to understand what you want out of life – for yourself and for your family.

We employ a comprehensive planning approach combined with sophisticated technology designed to optimize your results and help achieve your financial goals.

We have years of experience collaborating with clients like you. We believe your financial information should be organized, up to date, easy to understand and accessible to you whenever you want, from wherever you are.

We understand that unexpected events and life changes can impact your dreams. We monitor and track your progress every day and adjust your financial plans along the way.

As your financial advocate, your success is our success.

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The plans of the diligent lead to profit as surely as haste leads to poverty.

Proverbs 21:5 (NIV)

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INVESTMENT MANAGEMENT PORTFOLIOS

• Ultra-Conservative

• Conservative

• Moderate

• Growth

• Aggressive Growth[/vc_colored_box][/vc_column_inner][vc_column_inner width=”1/2″][vc_column_text]

We help We help you pursue your unique financial goals with our investment management services. We start with a thorough discovery process to find out your goals, attitude toward risk, and how your investments fit into your overall financial picture. Once we’ve determined the strategy that best suits your needs, we get your money working for you!

Active Management

Through our active management we make changes on your behalf, as well as adjust our portfolios based on overall economic events and indicators. Our ongoing investment management includes periodic reviews with you to make sure your strategy continues to follow the path to your goals and make updates accordingly to stay on track.

Screening Process

All of our investment strategies go through our values based screening process to invest in companies that are making a positive change in our society and avoiding those involved in known unethical activities. Not all investments and investment platforms can be screened, but we strive to do the best we can given the available investment options.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space][vc_separator style=”simple” color=”#54be90″][/vc_column][/vc_row][vc_row top=”30px” bottom=”30px”][vc_column][vc_row_inner][vc_column_inner width=”1/2″][vc_colored_box bg_color=”#123246″]

Do your planning and prepare your fields before building your house.

Proverbs 24:27 (NLT)

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WHAT WE DO

We act as your guide helping you make wise financial decisions throughout life about what matters most to you.[/vc_colored_box][/vc_column_inner][vc_column_inner width=”1/2″][vc_column_text]

Our Planning Process Can Help You Achieve Your Financial Dreams

We start by helping you identify your goals and evaluate where you are relative to those goals.

We evaluate your options and recommend strategies to help you get you where you want to be.

We don’t stop there. We help you implement the recommendations. Then, we continually monitor your financial situation to ensure you remain on track to achieve your
financial dreams.

Your goals remain the centerpiece of our recommendations and strategies.

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CHECK OUT THESE OTHER AREAS OF OUR NEWSLETTER

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By Mary Jo Lyons, CFP^®

A friend recently asked me “exactly how does the Bible address financial planning and investment management principles?” I provided a short summary of the principles below but my response was not as polished as it should have been. I vowed to be able to answer this in a more thoughtful and concise way going forward. As both a Certified Kingdom Adviser® and a Certified Financial Planner™ Practitioner this message should be muscle memory. Off I went to do a little research. I know it’s in there!

Good financial advice has its roots in Biblical Wisdom. Money is one way we work out our belief system: values, goals and priorities, thus financial advice really is spiritual advice. The reason we stress financial stability is to encourage folks to become better stewards of their God given resources.

There are actually 2,350 passages in the Bible dealing with money and money management. Check out the Education Center on our website www.ciswealth.com for a list of Bible verses that provide scriptural guidelines for handling money. You will find passages on ownership, tithing, giving, debt, saving, investment, honesty and best of all, seeking wise counsel. Two of my favorites:

Psalm 24:1
The earth is the LORD’s, and everything in it, the world and all who live in it…

Proverbs 15:22
Plans fail for lack of counsel, but with many advisors they succeed.

The Bible provides many answers but also poses many questions including this one: Do you believe God owns it all? See the answer above from Psalm 24:1. In the Bible God has provided us with 6 transcendent planning principles and 5 observable Symptoms of Stewardship:

Transcendent Planning Principles

1. Spend less than you earn | Proverbs 13:11
2. Avoid the use of debt | Proverbs 22:7
3. Build Reserves or Margin | Proverbs 6:6-8
4. Set Long-Term Goals | Philippians 3:14
5. Develop & maintain an eternal perspective | Psalm 24
6. Rejoice in generosity | II Corinthians 8:9-11

Observable Symptoms Of Stewardship

1. Giving in proportion to income
2. Living a controlled debt free lifestyle
3. Taxes are paid with integrity and thanksgiving
4. Husbands and wives set financial goals together
5. Accountability

To help you look at your own financial situation check out “The Four Hs of Financial Wisdom”. Give us a call at (830) 609-6986 to request your free copy. Rooted in Scripture and focused on helping you live as a steward of God’s resources, this tool will help you assess where you are today and encourage you to live out biblical principles in your finances tomorrow. The four H’s include Heart, Health, Habits and Hope.

This one page document is a great tool available to us in our work as Kingdom Advisors and made available from our partners at the Ron Blue Institute. Take a few minutes to complete this exercise. Consider doing it together with your significant other, if married or in a committed relationship. We encourage you to spend time in prayer as you think about the changes that you may need to make. If you are already doing these things then be grateful that you are on the right track and pray for continued discipline and focus.

Dr. David Jeremiah was quoted for saying “Contentment is looking back without regret, looking at the present without envy and looking at the future without fear.”

Financial contentment can only come when couples work together in spousal unity. They share a “theirs” rather than a “his and hers” mentality and agree it’s better to have more cash flow than more stuff. Working with a trusted financial advisor can help you be accountable to a long term plan.

God wants us to be content. His word tells us so:

Satisfied to the point of where I am not disturbed or disquieted. – Philippians 4:11
Let your character or moral disposition be free from love of money. – Hebrews 13:5
A sense of inward sufficiency. – 1 Timothy 6:6

If you are looking for wise counsel to help organize your financial life in a way that is consistent with your faith, we are here to help.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row top=”20px” bottom=”20px”][vc_column][vc_column_text]

CHECK OUT THESE OTHER AREAS OF OUR NEWSLETTER

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By Mary Jo Lyons, CFP®

Clients often ask us “Exactly what is Wealth Management?”. Most don’t think of themselves as having wealth. Wealth Management is a concept advisors use to articulate the financial principles and strategies they use as they work with clients.

Wealth management is a discipline that incorporates financial planning, investment management, tax planning, and financial goal setting. It’s a holistic approach to coordinate and correlate all the moving pieces and parts of your financial life to provide solutions that are both appropriate and suitable.

In a true Wealth Management approach, which is what we offer at Christian Financial Advisors^®, clients develop a deep and trusting relationship with their advisor. We work with you to understand your entire financial picture, your goals, your priorities, and what matters most to you. We lay out your options and discuss the pros and cons of each approach. We serve as a financial advocate and trusted fiduciary.

Your situation is unique and we customize our approach to fit your needs. Financial leadership is about guiding the conversation. The currency of leadership is communication. We ask meaningful questions to uncover any particular family, financial, social, or emotional needs that we must understand in leading you on this journey. As your trusted advisor we help you develop a clear and compelling financial vision for your family. When necessary we consult with other trusted subject matter experts and engage with your attorney and accountant.

At Christian Financial Advisors^®, we work with our clients on 15 Wealth Management Issues. These key issues are critical to the financial well being of most successful families. Not all of them will apply to every situation. We take a disciplined approach to addressing these issues to help our clients create and growth wealth, protect and preserve the wealth you have, transfer excess wealth during life and at death according to your estate planning wishes. As Christian advisors we do this by following Biblical principles.

Wealth Management is a process and does not happen in one meeting but over the course of time. There are five required competencies for financial leadership:

1. Decision Making
2. Life Planning
3. Goal Setting
4. Cash Flow Management
5. Wealth Transfer

As a financial planner, I have the opportunity to give clients a vision of what they can become financially. Money becomes a tool. My purpose is that by working towards this goal you become a better steward of your God given resources. When it comes to finances, there are many areas that are not absolute or black and white in scripture, but there are principles that can be followed.

There are 5 observable symptoms of Stewardship:

1. Giving in proportion to income
2. A controlled, debt free lifestyle (more cash flow, vs. more stuff)
3. Taxes paid with integrity and thanksgiving
4. Spousal unity, husband and wives set financial goals together
5. Accountability

Good financial advice always has its roots in Biblical wisdom. In financial decision making there are numerous emotional traps. A trusted advisor will help you navigate those to avoid emotional drivers. When you think emotionally, you can’t think rationally.

Life is all about decisions. Decisions determine destiny. Everything we do while living on earth has eternal consequences. We should always ask ourselves “What would God have me do?” Your use of money reflects your goals, your values, your priorities and your spiritual convictions. By making good financial decisions, you bring balance into your life. This allows you more time for what matters most, relationships.

Purposeful planning helps with accountability which leads to peace of mind. Now that is true wealth.

If any of you lacks wisdom, he should ask God, who gives generously to all without finding fault, and it will be given to him. But when he asks he must believe and not doubt, because he who doubts is like a wave of the sea, blown and tossed by the wind.
James 1:5-6 NIV

A man of understanding will acquire wise counsel.
Proverbs 15:27 NASB[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row top=”20px” bottom=”20px”][vc_column][vc_column_text]

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What Is Values Based Investing?

Values based investing integrates Biblical guidelines with an investment portfolio. This method looks for companies to invest in that are making a positive impact on our society, as well as applying screening processes to avoid those that do not.

Helping Clients Make Informed Decisions

Christian Financial Advisors^® provides potential and current clients with the information that they need in order to make an informed decision when it comes to Values Based Investing and their current investments. It is important to know the status, views, and beliefs of various public companies. In essence, when you invest in a company, you are also supporting what that company invests in as well. This is where Christian financial advisors like Christian Financial Advisors^® come into play. We sit down with each and every client to educate them on Biblically Responsible Investing and to determine where their convictions lie. If you are new to investing, we can help you set up a complete investment profile that lines up with your values.

Supporting Responsible Companies

When you invest in a values based portfolio, you are avoiding supporting companies that are intentionally involved in immoral agendas that violate Biblical principles.

Investing With Values In Mind

If a company traded on an exchange is publicly known to violate Biblical principles, Biblically Responsible Investing strives to stay clear from buying those companies directly or indirectly through a separate managed account or mutual fund.

Not all investments and investment platforms can be screened, but we strive to do the best we can given the available investment options and platform limitations. Christian Financial Advisors^® uses third party sources to screen investments.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row top=”20px” bottom=”20px”][vc_column][vc_column_text]

CHECK OUT THESE OTHER AREAS OF OUR NEWSLETTER

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Christian Financial Advisors^® System

Did you realize that you can check your account balances, access important documents and track your complete financial picture through the Christian Financial Advisors^® app on your smart phone or tablet? The CIS app gives you instant access to all this and more from anywhere.

If you don’t already have the app, please contact us today for the simple instructions to download it to your phone or device.

[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row top=”20px” bottom=”20px”][vc_column][ess_grid alias=”july-aug-2017″][/vc_column][/vc_row]

[vc_row top=”20px” bottom=”20px”][vc_column][vc_single_image image=”7143″ img_size=”Full” alignment=”center”][vc_row_inner][vc_column_inner][vc_column_text]Christian Financial Advisors^® now offers corporate trustee services through a strategic relationship with Schwab*. You can protect your family’s financial legacy long after you are gone with a personal trust and appoint a corporate trustee for non-biased and professional management.

What Are Some Benefits of Establishing a Personal Trust?

A personal trust can provide a range of benefits. It can possibly reduce estate taxes and provide liquid assets to help pay for them. It creates a structure and a plan for providing for minor children or family members who are unable to handle financial matters wisely. It can provide a child or grandchild’s education or for an elderly relative, as well as charities that you care about.

Using a corporate trustee provides professional management of your personal assets should you become unable to handle them, or after you are gone, and follows your wishes for how you want your assets distributed.

By appointing a corporate trustee, you allow a professional experienced in the complex matters of managing a personal trust to relieve your family or other heirs from having to handle it all. These duties can include:

• Paying bills
• Retitling assets
• Preparing tax returns
• Paying creditors
• Evaluating and distributing money per the terms of the trust
• Tracking investments including real estate
• Maintaining records
• Maintaining copyrights
• Patent rights
• Farm holdings
• Oil and gas interests
• And working with property managers, allocating property according to the trust terms, obtaining titles, deeds, and appraisals as needed

What Are Some Reasons to Consider Appointing a Corporate Trustee?

Many individuals are unable to successfully carry out the role of a trustee, due to the fiduciary responsibilities and legal knowledge required to maintain a trust.

By naming a corporate trustee, your trust will be managed by trust professionals who have knowledge of, and are willing to assume, the fiduciary responsibility of managing a trust. Also, a corporate trustee has a fiduciary responsibility to legally act in your best interests.

Corporate trustees are regulated by state and federal agencies. Also, most courts consider them experts, and they are held to higher standards than a non professional. They follow your trust instructions objectively which, many times, family members are unable to do because of pressure from other family members to bend the rules of the trust.

Call our office at 830-609-6986 for more information about our corporate trustee program and how it can be integrated with a current trust, or with establishing a new trust.

* Trust services provided through Advisors Private Wealth Trust. Advisors Private Wealth Trust is a corporate trustee offering exclusively for advisors who work with Schwab through a strategic relationship with National Advisors Trust Company, FSB. Advisors Private Wealth Trust is a Trust Representative Office of National Advisors Trust Company, FSB (NATC). Schwab and NATC are separate and unaffiliated companies and are not responsible for each other’s policies and services. Information obtained from Schwab, Inc., member FINRA/SIPC https://www.tdameritrade.com[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row top=”10px” bottom=”10px” bg_color=”#163463″][vc_column][vc_column_text css=”.vc_custom_1495658326310{padding-top: 5px !important;padding-right: 10px !important;padding-bottom: 5px !important;padding-left: 10px !important;}”]

Check out other articles from our MAY/JUNE 2017 Newsletter

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Investment Advisor VS Wealth Advisor

People often view financial advice through a single lens, as investment advice. However, there’s a big difference between simply managing your investment portfolio (one aspect of your overall finances) and a holistic approach to coordinating your entire financial picture.

Only a full-service, independent financial advisor provides the critical planning services and advice you require across your financial life to eliminate any conflicts and create alignment between your various strategies. This can make the difference between remaining on track and falling short of your financial objectives or timeline.

Below are just 10 of the many ways a wealth advisor can help you move closer to your financial goals by:

1. Formalizing, prioritizing, and documenting your goals

2. Coordinating your investment, insurance, tax, retirement, and estate planning strategies

3. Reviewing and adjusting strategies to maintain alignment with your goals over time

4. Proactively managing risk across all aspects of your financial life

5. Measuring and reporting progress against your goals

6. Monitoring changes in your life and family situation and recommending adjustments to your strategies as needed

7. Remaining up-to-date on economic, tax, and financial market changes and legislation

8. Developing tax-advantaged wealth transition strategies for retirement and estate planning

9. Serving as a single point of contact to coordinate services and expertise across multiple disciplines, such as mortgage services, insurance, employee benefits, trust services, business succession planning, etc.

10. Working with your tax and legal advisors to coordinate and implement advice

Christian Financial Advisors^® helps our clients in all these ways and more!

If you’d like to learn more about the advantages of working with an independent, full-service wealth advisor, give us a call at 830-609-6986.

* This communication is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row top=”10px” bottom=”10px” bg_color=”#163463″][vc_column][vc_column_text css=”.vc_custom_1495646808960{padding-top: 5px !important;padding-right: 10px !important;padding-bottom: 5px !important;padding-left: 10px !important;}”]

Check out other articles from our MAY/JUNE 2017 Newsletter

[/vc_column_text][ess_grid alias=”may-june-2017″][/vc_column][/vc_row]

[vc_row top=”20px” bottom=”20px”][vc_column][vc_single_image image=”6406″ img_size=”Full” alignment=”center”][vc_row_inner][vc_column_inner width=”1/2″][vc_column_text]Bob and Nathaniel attended Wealth Management University on the University Of Texas Campus for a week in October. Bob started the CWS-Certified Wealth Strategist program last year and has been going through all the classes during 2016. He has now completed all the study materials and only has to write and submit a 45 page Capstone Project to complete his certification. Nathaniel attended the introductory classes for the certification. The training focuses on educating financial advisors in order to provide holistic wealth management advice that encompasses their clients’ total financial pictures. All the pieces of our wealth management puzzle are addressed and more![/vc_column_text][/vc_column_inner][vc_column_inner width=”1/2″][vc_single_image image=”6329″ img_size=”large”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1479495139826{padding-bottom: 20px !important;}”]

Check out our other E-Newsletter Sections!

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[vc_row top=”20px” bottom=”20px”][vc_column][vc_single_image image=”6018″ img_size=”Full” alignment=”center”][vc_row_inner][vc_column_inner][vc_column_text]We offer many different investment options to choose from for all our clients and work hard to tailor the most appropriate portfolio strategies for each individual situation. Unlike other firms, we don’t use the “one size fits all” approach with just a few choices.

From setting up a savings account to planning for a child or grandchild’s college education and from establishing an IRA to creating retirement income distribution strategies for a six or seven figure 401k, we do it all and customize portfolio strategies for every stage of your life.

We also specialize in commission free, fee based investment management and partner with many institutional managers that an individual alone would have to meet a portfolio minimum of $5-15 million dollars in order to access. Our twelve investment strategies offer three different approaches. We have a tactical approach for those wanting downside risk protection in major market declines which responds by moving to cash. There is also our buy and hold traditional approach, and a hybrid version of the two. This creates twelve different portfolio options to fit virtually any need.

With the U.S. markets at an all time high, we believe that those who are interested in our tactical strategy (downside protection) of management for their investments will find that now is a great time to make the switch to this strategy of management to help protect their gains. Call our office at 830-609-6986 if you do not have tactical management for your accounts to find out how to get started!

What is commission free, fee based advice and how does it benefit you?

Fee-only financial advisors are registered investment advisors with a fiduciary responsibility to act on behalf of their clients’ best interest.

With this type of arrangement you are personally paying the advisor, not a brokerage firm, mutual fund, or annuity company. Therefore, fee based advice has a tendency to take away any potential conflict of interest that could occur. All fees are transparent and are either hourly, flat, or based upon a percentage of assets under management.

Many Registered Investment Advisors like Christian Financial Advisors^® are dually licensed, meaning that they can offer commission based or fee based services. Sometimes, a commission based product may be the best choice as long as the client understands all of the cost involved.

* Investing involves risks including loss of principal. No strategy assures success or protects against loss in periods of declining values.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row top=”10px” bottom=”10px” bg_color=”#163463″][vc_column][vc_column_text css=”.vc_custom_1472147374664{padding-top: 5px !important;padding-right: 10px !important;padding-bottom: 5px !important;padding-left: 10px !important;}”]

Check out other articles from our September 2016 Newsletter

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Personal Financial Planning

[/vc_column_text][vc_single_image image=”6017″ img_size=”full” alignment=”center” onclick=”custom_link” link=”/2016/09/01/personal-financial-planning/”][vc_column_text]Financial planning is a key part of wealth management and a service offered to our clients as a benefit of doing business with Christian Financial Advisors^®.[/vc_column_text][vc_btn title=”LEARN MORE” style=”custom” custom_background=”#163463″ custom_text=”#ffffff” shape=”square” align=”center” i_align=”right” i_icon_fontawesome=”fa fa-arrow-right” link=”url:%2F2016%2F09%2F01%2Fpersonal-financial-planning%2F|title:Personal%20Financial%20Planning|” add_icon=”true” button_block=”true” css=”.vc_custom_1472146248708{padding-top: 10px !important;}”][/vc_column][vc_column width=”1/3″][vc_column_text css=”.vc_custom_1472147104787{padding-bottom: 10px !important;background-color: #e8e8e8 !important;}”]

Planning For Retirement

[/vc_column_text][vc_single_image image=”6019″ img_size=”full” alignment=”center” onclick=”custom_link” link=”/2016/09/01/retirement-planning/”][vc_column_text]Did you know that Christian Financial Advisors^® offers a variety of services when it comes to retirement planning? Learn more about these services![/vc_column_text][vc_btn title=”LEARN MORE” style=”custom” custom_background=”#163463″ custom_text=”#ffffff” shape=”square” align=”center” i_align=”right” i_icon_fontawesome=”fa fa-arrow-right” link=”url:%2F2016%2F09%2F01%2Fretirement-planning%2F|title:Retirement%20Planning|” add_icon=”true” button_block=”true” css=”.vc_custom_1472146369748{padding-top: 10px !important;}”][/vc_column][vc_column width=”1/3″][vc_column_text css=”.vc_custom_1472146473497{padding-bottom: 10px !important;background-color: #e8e8e8 !important;}”]

Investment Management

[/vc_column_text][vc_single_image image=”6018″ img_size=”full” alignment=”center” onclick=”custom_link” link=”/2016/09/01/investment-management/”][vc_column_text]We work hard to tailor the most appropriate portfolio strategies to our clients’ situations without using a “one size fits all” approach.[/vc_column_text][vc_btn title=”LEARN MORE” style=”custom” custom_background=”#163463″ custom_text=”#ffffff” shape=”square” align=”center” i_align=”right” i_icon_fontawesome=”fa fa-arrow-right” link=”url:%2F2016%2F09%2F01%2Finvestment-management%2F|title:Investment%20Management|” add_icon=”true” button_block=”true” css=”.vc_custom_1472146586889{padding-top: 10px !important;}”][/vc_column][/vc_row][vc_row top=”20px” bottom=”10px”][vc_column width=”1/3″][vc_column_text css=”.vc_custom_1472147169952{padding-bottom: 10px !important;background-color: #e8e8e8 !important;}”]

BRI – How It Is Just Like Voting

[/vc_column_text][vc_single_image image=”6016″ img_size=”full” alignment=”center” onclick=”custom_link” link=”/2016/09/01/biblically-responsible-investing-just-like-voting/”][vc_column_text]Learn more about Biblically responsible investing and how it is similar to the way that we choose to vote.[/vc_column_text][vc_btn title=”LEARN MORE” style=”custom” custom_background=”#163463″ custom_text=”#ffffff” shape=”square” align=”center” i_align=”right” i_icon_fontawesome=”fa fa-arrow-right” link=”url:%2F2016%2F09%2F01%2Fbiblically-responsible-investing-just-like-voting%2F|title:Biblically%20Responsible%20Investing%20-%20Just%20Like%20Voting|” add_icon=”true” button_block=”true” css=”.vc_custom_1472146712516{padding-top: 10px !important;}”][/vc_column][vc_column width=”1/3″][vc_column_text css=”.vc_custom_1472146951796{padding-bottom: 10px !important;background-color: #e8e8e8 !important;}”]

Tips & Tricks From Athena

[/vc_column_text][vc_single_image image=”6015″ img_size=”full” alignment=”center” onclick=”custom_link” link=”/2016/09/01/financial-tips-and-tricks-from-athena-savings-tips/”][vc_column_text]See what financial tips and tricks our favorite chocolate lab has to offer when it comes to advice on saving![/vc_column_text][vc_btn title=”LEARN MORE” style=”custom” custom_background=”#163463″ custom_text=”#ffffff” shape=”square” align=”center” i_align=”right” i_icon_fontawesome=”fa fa-arrow-right” link=”url:%2F2016%2F09%2F01%2Ffinancial-tips-and-tricks-from-athena-savings-tips%2F|title:Financial%20tips%20and%20tricks%20from%20Athena|” add_icon=”true” button_block=”true” css=”.vc_custom_1472146983766{padding-top: 10px !important;}”][/vc_column][vc_column width=”1/3″][/vc_column][/vc_row]