Schedule a Meeting

[vc_row top=”20px” bottom=”20px”][vc_column][vc_single_image image=”6019″ img_size=”Full” alignment=”center”][vc_row_inner][vc_column_inner][vc_column_text]Are you planning to retire within the next 5 years? Will you need to decide between a lump sum payout or a monthly pension amount? Do you worry if you’ll outlive your current retirement savings and if you have enough? Do you wonder what you’ll do with the time you’ll gain once you retire from your job and if you will still feel fulfilled without the work you currently enjoy? If you answered yes to any of these questions, we can help you!

Retirement planning is offered as a benefit of doing business with us, and we can help you evaluate your preparedness for retirement. Retirement planning with Christian Financial Advisors® not only looks at the monetary side of retirement, but also the physical, spiritual, and emotional aspects of making the immense change that is retirement.

We incorporate financial calculators, income analysis tools, and several questionnaires to help us identify the areas of your retirement that you are prepared for, and those that may need attention and changes. Contact us to set an appointment with Bob to discuss your situation.[/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]

[vc_row top=”20px” bottom=”20px”][vc_column][vc_single_image image=”4474″ img_size=”Full” alignment=”center”][vc_row_inner][vc_column_inner][vc_column_text]As a certified Fit To Retire® coach I am here to help you with your planning and questions on your journey towards retirement. Our Fit To Retire® online assessment tool and “Readiness Roadmap” complements your overall retirement planning process.

This tool covers five main areas of retirement success during the three phases of retirement. These five main areas of retirement success are: Self Identity, Social, Health and Nutrition, Personal Relationships and Financial Security. The three phases of retirement are: Go-go, Slo-go and No-go.

Our Fit To Retire® online assessment tool allows us to better serve you, and the Fit To Retire® Readiness Roadmap is geared towards the baby boomer generation.This includes retirement transition support, as well as a variety of checklists to ensure that you are on the right path towards retirement. We want to help you successfully enter retirement with confidence!

Click here to view a short video and to take the Fit to Retire® assessment. Once you have taken the assessment, we will generate a personalized, 100 plus page workbook that covers all 5 areas of a successful retirement, as well as a 100 day playbook for your first 100 days of retirement.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row top=”0px” bottom=”0px”][vc_column][vc_row_inner][vc_column_inner][vc_column_text]

Check out our other newsletter sections below:

[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=”.vc_custom_1459541121828{padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f2f2f2 !important;}”][vc_column_inner width=”1/3″][vc_heading title=”The Messenger Newsletter” subtitle=”Retirement Edition”][vc_empty_space height=”10px”][vc_single_image image=”4476″ img_size=”full” alignment=”center” onclick=”custom_link” link=”https://www.ciswealth.com/2016/04/01/the-messenger-retirement-edition/”][/vc_column_inner][vc_column_inner width=”1/3″][vc_heading title=”Are You Fit To Retire?” subtitle=”By Bob Barber”][vc_empty_space height=”10px”][vc_single_image image=”4474″ img_size=”full” alignment=”center”][/vc_column_inner][vc_column_inner width=”1/3″][vc_heading title=”Office Mascot Athena” subtitle=”Gets Put To Work”][vc_empty_space height=”10px”][vc_single_image image=”4473″ img_size=”full” alignment=”center” onclick=”custom_link” link=”https://www.ciswealth.com/2016/04/01/athena-news/”][/vc_column_inner][vc_column_inner][vc_empty_space height=”30px”][/vc_column_inner][/vc_row_inner][/vc_column][vc_column][vc_row_inner css=”.vc_custom_1459541131163{padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f2f2f2 !important;}”][vc_column_inner width=”1/3″][vc_heading title=”Tactically Managed Accounts” subtitle=”Market Update”][vc_empty_space height=”10px”][vc_single_image image=”4479″ img_size=”full” alignment=”center” onclick=”custom_link” link=”https://www.ciswealth.com/2016/04/01/tactically-managed-accounts/”][/vc_column_inner][vc_column_inner width=”1/3″][vc_heading title=”Is Retirement All It’s Cracked Up To Be?” subtitle=”Maybe. Maybe Not.”][vc_empty_space height=”10px”][vc_single_image image=”4477″ img_size=”full” alignment=”center” onclick=”custom_link” link=”https://www.ciswealth.com/2016/04/01/is-retirement-really-all-its-cracked-up-to-be/”][/vc_column_inner][vc_column_inner width=”1/3″][vc_heading title=”Habitat For Humanity Volunteer Day” subtitle=”The First of 2016″][vc_empty_space height=”10px”][vc_single_image image=”4475″ img_size=”full” alignment=”center” onclick=”custom_link” link=”https://www.ciswealth.com/2016/04/01/first-2016-habitat-for-humanity-volunteer-day/”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row top=”0px” bottom=”20px” bg_color=”#163463″][vc_column][vc_column_text css=”.vc_custom_1454043641862{padding-bottom: 15px !important;}”]

Refer A Friend

[/vc_column_text][vc_row_inner css=”.vc_custom_1454103438200{border-right-width: 20px !important;padding-left: 15px !important;}”][vc_column_inner width=”1/2″][vc_single_image image=”4076″ img_size=”large” alignment=”center”][/vc_column_inner][vc_column_inner width=”1/2″][vc_column_text]Do you have a friend, family member, or colleague that could benefit from our services? If so, refer them to our mobile friendly website, or we have a packet of information we would love to share with them to them. Just call our office at 830-609-6986 and we can get out the information to help your friends![/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]

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A Verse For The New Year!

[/vc_column_text][vc_service icon_name=”fa-bookmark” title=”Isaiah 43:19″ position=”sb_center” icon_color=”#669900″]See, I am doing a new thing! Now it springs up; do you not perceive it? I am making a way in the desert and streams in the wasteland.[/vc_service][/vc_column][/vc_row][vc_row top=”20px” bottom=”20px”][vc_column][vc_column_text css=”.vc_custom_1451428958824{padding-bottom: 10px !important;}”]

5 Financial Areas to Focus on in 2016

Start The Year Off Right

[/vc_column_text][vc_separator style=”shadow”][vc_single_image image=”3933″ img_size=”500×313″ alignment=”center”][vc_empty_space height=”20px”][vc_column_text]With a new year comes the opportunity to start the year off right and begin accomplishing all of those things that you have been needing to do, but have been putting off. Do not feel alone, as we all procrastinate! It is very easy to put off the things we need to do, especially when it comes to financial matters. We all have limited time and need to prioritize.

Here is a list of 5 important financial areas that should not fall victim to procrastination, as it can be very costly if you do.

Estate Planning

How long has it been since you have updated your estate planning documents? Has anything changed over the last 5 years? Don’t have an estate plan consisting of at least a will? Then it is time to schedule an appointment to get it done. Can you imagine what procrastinating about this could do to your family?

Risk Management/Insurance

How long has it been since you have gone over all your policies with an independent insurance advisor to assure you are well covered for the best value? Do you think you are well covered in the event of an accident? More often than not, we discover that property and casualty insurance was bought on price over adequate coverage. It would be a shame to be in an accident and think you are well covered when you may not be. Procrastination on this one…ouch!

Investments

How long has it been since you have had an annual review to make sure you are still on the right path for your specific situation? Are you well positioned for a potential major downturn in the markets, or a major rally to take advantage of the markets? Are you aware of exactly how all of your investments are positioned in old 401ks, 403bs or IRAs? Old brokerage accounts? Could you reposition your CDs or savings to another financial institution for a better rate of return? Procrastination for very long on this one could mean thousands of dollars in missed gains.

Tax Planning

How long has it been since you have gone over all of the potential legal tax strategies you could be using to lower your tax burden with an experienced advisor? Taking a proactive approach towards tax planning if you are a high income earner can make a huge difference. Procrastinating could be costing you thousands of dollars in unneeded taxes. Could you use that money for better causes?

Daily Tracking of Expenses

Do you know where everything is anytime of the day? 90% of the way we pay for ordinary expenses today like groceries, eating out, clothing, gas, etc. is with a debit or credit card. Many of us have multiple bank, investment, and even credit card accounts for personal and business expenditures that we pay off monthly. Fortunately, nearly all financial institutions today allow you to track your spending, investments, and account balances anytime with online access. You may be old fashioned and say, “I don’t want to look at any of my accounts online,” but hackers do not think that way. If you are not monitoring all your accounts with different institutions daily, how would you know if a hacker got into any of your accounts until it is possibly too late to do anything about it? With today’s technology, we have a system that you can monitor your accounts with different banks and credit unions, credit cards, and investment accounts (even your 401k) all at the same time on a daily basis! You can see these all on your computer or smartphone at any time of the day. I personally love this system, and I log in at least 2-3 times a day to monitor my finances.

This system does not allow any money to be moved or transferred, but it is strictly a monitoring system. It keeps track of all your expenses and consolidates them daily so that you will know at anytime what you spent in any budget category for the month. It even lets you know if you have gone over budget. This incredible monitoring system is offered free for clients of Christian Financial Advisors®. Why do you need it? Because those that know where they are financially do better than most of those who do not.

We can help you accomplish your goals in these 5 areas. Call our office today at (830)609-6986.

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Make 2016 The Year it Gets Done!

No More Procrastination

[/vc_column_text][vc_separator style=”shadow”][vc_single_image image=”3932″ img_size=”500×313″ alignment=”center”][vc_empty_space height=”20px”][vc_column_text]Procrastination is the #1 reason for financial failure. Many find themselves in the vicious rotation described below of putting off financial matters that need to be done. Could you be in this cycle? Maybe it is time to step off of the spinning wheel.

Here is how we have seen procrastination happen when it comes to financial matters:

Is there ever really a convenient time? No, not really. Make this the year to prioritize and make that appointment to get all your financial matters in order.[/vc_column_text][/vc_column][/vc_row][vc_row top=”20px” bottom=”20px”][vc_column][vc_column_text css=”.vc_custom_1451429001697{padding-bottom: 10px !important;}”]

Fulfill Your New Year’s Resolution

Get Your Finances Organized

[/vc_column_text][vc_separator style=”shadow”][vc_single_image image=”3935″ img_size=”500×313″ alignment=”center”][vc_empty_space height=”20px”][vc_column_text]One of the most common New Year’s resolutions is “Get My Finances Organized”. If that is yours this year, we can help! The Christian Financial Advisors® System provides the capability to bring together ALL of your financial accounts and holdings in one place.

ONE login to view ALL your financial data.

You will have access to your own, personalized website to view your accounts, run reports, create budgets, and much, much more. Plus, we can help you set up a quick link on your mobile device for easy access. Contact us today and we will setup your personal profile and get you started![/vc_column_text][/vc_column][/vc_row][vc_row top=”20px” bottom=”20px”][vc_column][vc_column_text css=”.vc_custom_1451429014756{padding-bottom: 10px !important;}”]

Retirement Readiness

Fit-To-Retire®

[/vc_column_text][vc_separator style=”shadow”][vc_single_image image=”3936″ img_size=”500×313″ alignment=”center”][vc_empty_space height=”20px”][vc_column_text]Are you contemplating retirement in the next 5-10 years? Bob Barber is now a certified Fit-To-Retire® coach! Visit the Fit-To-Retire® page to start a quick, easy assessment and check your retirement readiness.[/vc_column_text][/vc_column][/vc_row][vc_row top=”20px” bottom=”20px”][vc_column][vc_column_text css=”.vc_custom_1451429028173{padding-bottom: 10px !important;}”]

Thank You For Your Prayers!

Shawn Peters’ Cancer Update

[/vc_column_text][vc_separator style=”shadow”][vc_single_image image=”3937″ img_size=”500×313″ alignment=”center”][vc_empty_space height=”20px”][vc_column_text]Thank you for your prayers for Shawn Peters, husband of Jenna and son-in-law of Bob and Rachael Barber. A few months ago, we shared that he was battling cancer. After surgery and chemotherapy treatments, his doctor declared him N.E.D. (No Evidence of Disease)! We thank God for His healing![/vc_column_text][/vc_column][/vc_row][vc_row top=”20px” bottom=”20px”][vc_column][vc_column_text]

Referrals

Do you have a friend, family member, or colleague that could benefit from our services? If so, we have a packet of information we would love to share with them to them. Just call our office at 830-609-6986 and we can get out the information to help your friends![/vc_column_text][/vc_column][/vc_row]