Financial Planning from a Christian’s Perspective

Financial planning, from a Christian perspective, this has been something I’ve considered deeply since entering this field. As a Christian, I believe everything, including my career, should align with God’s guidance.

 As a financial advisor, I help people with financial plans and have always aimed to apply Christian principles in these interactions. I want to share my approach emphasizing that this is based on my personal faith and how I understand God's leading in financial matters.

Being a Good Steward

At its core, Christian financial planning is about being good stewards of the resources God has entrusted to us. In the Bible, from the creation of Adam and Eve, stewardship is emphasized, showing that our work and the resources we manage—whether money, time, or talents—are meant to honor God. 

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Retirement, from a Christian perspective, is an interesting topic because the concept of retirement as we know it today isn't found in the Bible. 

In biblical times, people like Moses and Elijah continued their work until their deaths, passing on responsibilities rather than retiring. 

While the modern idea of retirement emerged over the past few centuries, it’s important to rethink what retirement means as a Christian.

The idea of retirement today is often linked to the pursuit of enjoying the fruits of our labor after years of work. However, if we don’t involve God in this process, we miss the greater purpose behind it. The book of Ecclesiastes, for example, reminds us that wealth and enjoyment are meaningless without God’s purpose.

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Cashflow management is a critical part of our financial planning and overall financial health. From a Christian perspective, the foundation of wise cashflow management is being a good steward. Of course this means not spending more than we earn, but it is more than that.

When we enter retirement, cashflow management shifts to creating income from various sources to replace the paycheck, so we can continue to provide for our families. 

We believe that this ties to the biblical principle of providing for your household, as mentioned in 1 Timothy 5:8. Creating retirement income is, in essence, providing for yourself and partner during the next stage of your life.

Tithing and Giving

One important aspect of cashflow management, especially for Christians, is giving.

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As a financial advisor, investing is one of the most common topics I discuss with clients, a core of our business. 

The question: How should we invest to meet our financial goals? From a Christian perspective, this process is rooted in wise stewardship.

Investing for Financial Returns

I want to start by referencing the Parable of the Talents from Matthew 25. In the story, the master gives his servants talents (money) and expects them to use them wisely. Two of the servants invest the money and double it, while the third buries his in the ground. The message here is clear: we're called to make our resources work for us, to invest wisely and create a return. 

This is what investing is all about—taking what we've been given and growing it.

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The final aspect of creating a financial plan is estate preservation or protection. While we often shy away from this topic, it's an important consideration for safeguarding not just our wealth, but also our freedom of choice, our family’s future and our values. 

Estate planning isn't just about what happens after we pass, but also about protecting our assets and ensuring that our loved ones are cared for. From a Christian perspective, this aligns with being a good steward of the resources God has entrusted to us.

"A good man leaves an inheritance for his children and his children’s children" Proverbs 13:22

This doesn’t only refer to financial wealth, but also to a legacy we pass on to future generations. It’s important to protect our wealth so that it can be handed down, but there’s something even more significant: the legacy of faith.

In Psalm 25, we are reminded that the "fear of the Lord" is a lasting inheritance. Protecting and passing on our faith is the most valuable inheritance we can give.

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Tax planning is one of those areas of our financial life that most of us would rather avoid. We all feel like we pay too much in taxes, and it's a common sentiment. But how should we approach taxes from a Christian perspective?

Well, Jesus was once tested by the Pharisees with a question about paying taxes to Caesar. They tried to trap Him, but Jesus wisely responded by asking for a coin and pointing out that it bore Caesar’s image. He then said, “Give to Caesar what is Caesar’s, and to God what is God’s” (Matthew 22:21). 

This indicates that taxes are a reality in our lives, we are expected to pay them as part of honoring governing authorities.

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A guiding principle for life and business, especially when forming partnerships, comes 2 Corinthians 6:14 “Do not be unequally yoked with unbelievers.”

While this verse is often applied to marriage, it can also be relevant in business relationships. Just as a couple must be aligned in their direction to move forward, business partners must share similar values to effectively work together. If one partner is going in a different direction, it can cause tension and hinder progress.

This doesn’t mean we avoid working with non-Christians altogether. However, when it comes to partnerships, we believe it's important to team up with others who share a commitment to honoring God. 

For example, our portfolio managers, who are our most integrated partners, are strong Christians. During our first conversation, faith and stewardship were focus points of discussion as much as portfolios and procedures. This helps us align both financially and spiritually in serving our clients.

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