Envoy Financial

Trusted Advice for Pastors 

For information on any of the following, click the title link.

1. What does the Bible say about money and stewardship?
2. Sermon ideas about financial stewardship
3. Five essential financial questions -- “Am I Financially Healthy?”
4. What are the best retirement plans for pastors and churches?
5. Important tax benefits for pastors
6. Retirement planning and savings calculators
7. How do I speak to my board about establishing a retirement plan?
8. How do I counsel couples about financial stewardship issues?
9. Common investment mistakes pastors must avoid
10. Financial products and services available
11. Request Information

1.  What does the Bible say about money and stewardship?     (Back To Top)

Introduction

Did you know that there are roughly 2,350 verses concerning money in the Bible? That’s almost twice as many as verses about faith and prayer combined. Jesus had a lot to say about money:

• Nearly 15% of everything Jesus spoke about related to money and possessions.
• 16 out of his 38 parables dealt with the topic of money.
• The only subject Jesus taught more about than money was the Kingdom of God.

Why? Because the Scriptures are very clear about an inherent connection between a person's spiritual life, attitudes and actions concerning money and possessions.

Envoy Financial provides “Trusted Advice Along The Way” for today’s Christian Ministry Professionals. Whether your church is large, small, or any size in between, Envoy Financial is equipped with the wisdom and knowledge to help you make the right decisions from a biblical stewardship perspective.

The Bible is clear that we are to save for our future.  “A wise man saves for the future, but a foolish man spends whatever he gets.” (Proverbs 21:20, NIV)

Scripture References

Money, Wealth, Blessing and Prosperity:

A wise man saves for the future – Proverbs 21:20
Money little by little grows  - Proverbs 13:11
Ability to produce wealth – Deuteronomy 8:18
The blessing of the Lord brings wealth – Proverbs 10:22
Diligent hands bring wealth  - Proverbs 10:4
Pursue righteousness and find prosperity - Proverbs 21:21
All hard work leads to profit - Proverbs 14:23
Oh, that you would bless me indeed – 1 Chronicles 4:9-10
Then you will be prosperous and successful – Joshua 1:8
God gives any man wealth and possessions – Ecclesiastes 5:19
A generous man will be blessed - Proverbs 22:9
Enduring wealth and prosperity - Proverbs 8:18
Trusting God leads to prosperity - Proverbs 30:8-9
Steady plotting brings prosperity - Proverbs 21:5
Trying to get rich quick - Proverbs 28:20, 22
Do not boast in riches – Jeremiah 9:23-24
No hope in wealth – I Timothy 6:17-19

Greed and Coveting:

Greedy man brings trouble to his family – Proverbs 15:27
Put to death greed – Colossians 3:5
Be on guard against greed – Luke 12:15
The love of money  - 1 Timothy 6:10
Dishonest money  - Proverbs 13:11
I have not coveted anyone’s silver or gold – Acts 20:33
Can’t serve two masters  - Matthew 6:24
Free from the love of money  - Hebrews 13:5
Do not trust in riches  - Proverbs 11:28
Where your treasure is – Luke 12:34

2.  Sermon ideas about financial stewardship     (Back To Top)

Money and Possessions

The Unmerciful Servant – Matthew 18:23-35
The Shepherd and His Flock – John 10:1-18
The Parable of the Talents – Matthew 25:14-30
The Rich Young Ruler – Mark 10:17-30
Everything Belongs to God – Psalm 50:10, Psalm 24:1
Don’t Worry About Worldly Needs – Matthew 6:25-31

God’s Lordship and Ownership

The Cost of Discipleship – Luke 14:28-33
The Faithful and Wise Servant – Matthew 24:45-51; Luke 12:42-48
The Great Banquet – Luke 14:16-24
The Master and His Servant – Luke 17:7-10
The Shepherd and His Flock – John 10:1-18
The Tenants – Matthew 21:33-44; Mark 12:1-11; Luke 20:9-18
The Thief – Matthew 24:42-44; Luke 12:39-40
The Two Sons – Matthew 21:28-32
The Unfruitful Fig Tree – Luke 13:6-9
The Unmerciful Servant – Matthew 18:23-35
The Watchful Servants – Mark 13:34-37; Luke 12:35-40
The Wedding Banquet – Matthew 22:2-14

Human Prosperity and Poverty

The Lost Sheep – Matthew 18:12-14; Luke 15:4-7
The Rich Man and Lazarus – Luke 16:19-31

Contentment

The Workers in the Vineyard – Matthew 20:1-16

Tithing

New Cloth on an Old Garment – Matthew 9:16; Mark 2:21; Luke 5:36
New Wine in Old Wineskins – Matthew 9:17; Mark 2:22; Luke 5:37-38
The Pharisee and the Tax Collector – Luke 18:9-14

Generosity

The Friend in Need – Luke 11:5-8
The Good Samaritan – Luke 10:30-37
The Moneylender – Luke 7:41-43
The Owner of a House – Matthew 13:52
The Prodigal Son – Luke 15:11-32
The Son’s Request – Matthew 7:9-11; Luke 11:11-13

Funding the Great Commission

The Growing Seed – Mark 4:26-29
The Kernel of Wheat – John 12:24
The Mustard Seed – Matthew 13:31-32; Mark 4:30-32; Luke 13:18-19
The Yeast – Matthew 13:33 ; Luke 13:20-21

Revival and Reformation

The Discarded Salt – Matthew 5:13; Mark 9:50; Luke 14:34-35
The Fig Tree – Matthew 24:32-35; Mark 13:28-31; Luke 21:29-31
The Lamp Under a Bowl – Matthew 5:14-16; Mark 4:21-22; Luke 8:16 , 11:33 -36
The Lost Coin – Luke 15:8-10

Eternal Reward

The Hidden Treasure – Matthew 13:44
The Lowest Seat at the Feast – Luke 14:7-14
The Sheep and Goats – Matthew 25:31-46
The Valuable Pearl – Matthew 13:45-46
The Wise and Foolish Builders – Matthew 7:24-27; Luke 6:46-49

3.  Five essential financial questions -- “Am I Financially Healthy?”     (Back To Top)

• Are you ready for retirement, or what we refer to as your Future-Funded
  Ministry ^TM?
• Proverbs 21:20 states that a wise man saves for the future.
• Envoy Financial is committed to helping you grow the resources God has entrusted to you from a biblical stewardship perspective.

• Will you have the resources to live if you become unable to perform the normal activities of life?
• Although Envoy Financial doesn’t provide Long Term Care Insurance, we encourage you to look into these important benefits through your employer or an individual policy.  

• Will you have the finances to cover hospitalization, unexpected doctor visits or medication?
• With the rising costs of medical expenses, you must be protected and transfer some of this risk to a Health Insurance provider.  Although Envoy Financial doesn’t provide Health Insurance, we understand how crucial this coverage is for your family and your financial health.

• What would happen if you became disabled or unable to work?
• Although Envoy Financial doesn’t provide Disability Insurance, we encourage you to look into these important benefits through your employer or an individual policy.  

• If you die unexpectedly, what will happen to those you love?
• If you are the primary breadwinner in your family or if your family depends on a portion of your income to survive, you will need to make up that shortfall if anything happens to you. 
• At Envoy Financial, we have Life Insurance Specialists to help you get the right protection to meet your family’s need.  This is a foundational piece to having your financial house in order.

4.  What are the best retirement plans for pastors and churches?     (Back To Top)

403(b) Retirement Plans vs. 401(k) Retirement Plans

• Both plans are excellent plans to help you save for your Future-Funded Ministry ^TM.  However, we have found that for most 501(c)(3) Ministries (Mission-Sending Organizations, Churches and Para-church organizations), the 403(b) Retirement Plan is more favorable.

Roth vs. Traditional Plans

• As of January 1, 2006, thanks to recent tax legislation, you now have a choice of tax options for contributing to your retirement plan. 
• Introducing the Roth 401(k) and Roth 403(b) Retirement Plans, which allow you the option of contributing either before-tax or after-tax dollars.

Simple Retirement Solutions

• Do you work for a small ministry with 10 or fewer employees?  Have you felt like your ministry could never afford a sophisticated Retirement Plan?  What seemed impossible is now easily available with Simple Retirement Solutions, Envoy Financial's online retirement plan setup system that allows you to easily implement a cost-effective retirement plan.
• For more information about specific details or to start a Retirement Plan for your ministry, please contact Envoy Financial's Christian Ministry Organization Division at (888) 879-1376, option 1.  Envoy Financial is uniquely qualified as a leader in retirement planning for faith-based organizations, serving over 8,000 Ministry Professionals worldwide since 1992.

5.  Important tax benefits for pastors     (Back To Top)

• Definition of a Pastor – Licensed, Commissioned, or Ordained
  • Pastors can take advantage of many unique tax benefits for your 403(b) Retirement Plan.  To do so, by law, you must Licensed, Ordained or Commissioned as understood in the IRS tax code.  Consult your tax advisor or speak to a qualified representative at Envoy Financial at (888) 879-1376, option 1.

• Common Tax Questions Pastors Ask:
• How Can I Reduce My SECA Taxes?
  By contributing to a 403(b) Retirement Plan, you may receive valuable income tax benefits, and save on your SECA or your social security taxation.
  
• What Happens With My Housing Allowance At Retirement?
  As a pastor, your housing allowance is excluded from taxes when you finally draw income out your plan.  Consult a qualified tax advisor or speak to a qualified Envoy Financial LifeStage Specialist, as specific rules apply.  (For more information on Housing Allowance - including forms for churches and pastors - click this link: Housing Allowance: An Update and Current Status Report.)
  
• Can The Church or Ministry Contribute To My Retirement As Part Of My Benefits?
  Envoy Financial can structure your plan to accommodate many different variables while handling all the contractual details of your Plan Document.  We can even help you present proposals to your Board.
  
• How Can Envoy Financial Help Me Talk To My Board? 
  Envoy Financial handles all the details of the plan including an outline on how to speak to your Board.
  
• How Expensive Is This For Our Ministry? 
  Envoy Financial understands the demands on your ministry budget, and we offer our services at the industry’s lowest prices.
  
• What Makes You Different From My Local Financial Advisor? 
  Most local financial professionals are not specifically trained and do not have the expertise to understand the special needs and features in plans for Christian Ministries.  Envoy Financial is an experienced leader in serving churches and ministries as we have served over 8,000 Ministry professionals and hundreds of ministry organizations worldwide since 1992.
  
• If I Am Still Working, Do I have To Take Required Minimum Distributions? 
  If structured properly and you meet these requirements, you are not subject to the forced distributions of most retirement plans.  In fact, many Pastors work well into their 70’s or 80’s, accumulating and not depleting their retirement.
  
• Can Envoy Financial Help Me With My Other Investments and Additional Planning? 
  Our greatest joy as a ministry is to help you manage the resources God has entrusted to you with “Trusted Advice Along The Way.”  Our LifeStage Specialists are knowledgeable, equipped and fully licensed to provide you with sound financial guidance from a biblical perspective.

For more information on any of the above, contact a qualified Envoy Financial representative at (888) 879-1376, option 1 or by email.

• 2010 Contribution Limits for 403(b) and 401(k) Plans

Your retirement plan continues to be one of the very best ways to prepare for the future financially.  The limits change each year. (Click here to access the 2010 Contribution Limits.) Here are some important facts:

Be aware that these limits are higher than many participants can use. However, there are circumstances where increased contributions are important, including employer contributions as part of a severance package for up to 5 years after separation from service.

Be aware that retirement plan account types need to be added together to determine the contribution limits. For instance, in 2010, the elective deferral limit will be $16,500.  An employee who contributes $6,500 to an after-tax Roth 403(b) account can only contribute $10,000 to their before-tax Traditional 403(b) account. Roth 403(b) contributions are part of the $16,500 limit – not in addition to pre-tax contributions – in other words no double dipping.

Includable Compensation/Housing Allowance:
Among the most frequently asked questions about compensation for the purposes of the 403(b) contribution limits are whether or not a minister’s housing allowance can be included in compensation for purposes of the maximum annual contribution calculation (100% of compensation).  The answer is “no.”

• The housing allowance is not a taxable benefit.  Section 107 of the Code specifically states that housing allowance is not includible in gross income; hence is not subject to taxation.
• If you have additional questions, please contact our CMO Ministry Services Manager at (888) 879-1376, ext. 228.
  

• Summary of Tax Benefits
  
• Housing Allowance - Section 107 of the Code specifically states that housing allowance is not includible in gross income; therefore, it is not subject to taxation.
  
• No Forced RMD at Age 70 ½ - In a 403(b) plan, as long as you are continuing to work (even part time), you are not required to take a Required Minimum Distribution at age 70½.  This is significant because if you are drawing an income, you can continue to contribute to your plan and defer money from taxation.
  
• Roth Plans – Roth is now available in a 403(b) plan, which allows you to contribute to your plan on an after-tax basis, grow your principal and earnings tax-free and take tax-free distributions when you ultimately draw income out of your plan.  Because of other tax benefits to pastors, the Roth after-tax contributions to your plan can be a powerful combination to building a significant Future-Funded Ministry ^TM.
  
• Avoid Paying SECA Taxes – Many pastors can gain a tax benefit by contributing to their plans on a pre-tax basis which may reduce their income tax burden and the SECA taxes.
  • The Self-Employment Contributions Act (SECA) tax is basically the business owner's version of the FICA tax that many pastors pay. Like FICA, it is made up of your "contributions" to both the Social Security and Medicare programs.
  • However, the basic tax rate for the self-employed under SECA is 15.30 percent - twice the 7.65 percent rate that employees must pay on their paychecks as FICA tax - to reflect the fact that employees pay one-half the FICA tax and employers pay the other half.
    
• Higher Contribution Limits Than IRA’s – The maximum combined employee and employer (415 Limits) if the age 50 Catch Up applies is $48,000 or (100% of the includable compensation – apply the lesser of the two.).  Please review the contribution limits section for more specific details.
  
  
• How can my 403(b) help me when I retire?
  
• The Only Plan You Need – Once you are ready to take an income stream from your 403(b), there are many systematic flexible payout options available to you.  You may take monthly, quarterly, semi-annual and annual payments. Or if you prefer, take money out whenever you need it and not systematically.
  
• Envoy Financial Service Continues – The Envoy Financial Ministry Service Team and LifeStage Specialists continue to provide you with service and “Trusted Advice Along The Way” during your Future-Funded Ministry^TM
  
  
• Self Employed Pastors
  
• Envoy Financial Designs Plans With You In Mind – Our ministry is here to serve your ministry in helping you grow the resources God has entrusted into your care.  We have found that many self-employed pastors are reluctant to start a plan, are afraid of being a burden to their churches and, do not know where to start.
  
• Envoy Financial will help you design the appropriate, cost-effective plan for any size ministry or church.
  
• We understand the financial burdens on both pastors and churches and so we have flexible platforms to build the right plan for you that won’t burden you or your church financially. 
  
• If you have additional questions, please contact our CMO Ministry Services Manager at (888) 879-1376, ext. 228.
  
  
• Ministry Workers
  
• Envoy Financial Designs Plans With You In Mind –We have found that many churches don’t have retirement plans for their ministry workers.  Envoy Financial can help your church design the appropriate, cost-effective plan for any size ministry or church.  We understand the financial burdens on churches and so we have flexible platforms to build the right plan for you that won’t burden you or your church financially.
  
• If you have additional questions, please contact our CMO Ministry Services Manager at (888) 879-1376, ext. 228.

6.  Retirement Savings and Planning Calculators     (Back To Top)

The calculators are organized in the following categories and can be accessed on our Calculators page by clicking here:

Retirement and Inflation
Saving and Investing
Loans and Credit Cards
Cash Management
Risk Management
Estate Planning
Taxes and IRAs

If after using any of the calculators, you have questions or need financial planning assistance, please contact us at (888) 879-1376, option 1 or by email to schedule an appointment with a LifeStage Specialist.  We look forward to serving you!

7.  How do I speak to my board about establishing a retirement plan?     (Back To Top)

Newly Established Churches and Individual Pastors (Simple Retirement Solutions)

• Simple Retirement Solutions opens the door of retirement plans for smaller churches and ministries, even if you have only one (1) employee.
• For too long, ministries that don’t have large budgets and staffs were unable to access cost-effective retirement savings plans.  Until now, the entry costs were prohibitive and investment companies weren’t interested in smaller plans.
• With Envoy Financial’s Simple Retirement Solutions, no ministry is too small for a retirement plan!
• Simple Retirement Solutions is an online retirement plan setup and enrollment system for churches and ministries.  To start today, click this link: Simple Retirement Solutions
• If you have additional questions, please contact our Jeff Gater at (888) 879-1376, ext. 209 or by email.

Existing and Larger Churches

• Envoy Financial, a Christian nonprofit organization, serves many large churches nationwide from many denominational backgrounds.  We are uniquely equipped with the expertise to design the appropriate church retirement plan for your church.
• With most plans, your ministry workers and pastors are virtually “on their own” when it comes to investing.  At Envoy Financial, our ministry is to serve your ministry.  We have a growing team of financial professionals to serve you with many products and services, including professional financial guidance and counsel from our LifeStage Specialists who are licensed to serve you with professional investment services.
• Envoy Financial specialists provide a systematic and cost-effective approach to reviewing, administering, and implementing a ministry specific benefits and retirement program.
• Due to our unique method of delivering these services, we are able to do so without geographical limitation – we can serve you anywhere in the world!
• If you have additional questions, please contact our CMO Ministry Services Manager at (888) 879-1376, ext. 228.

Key Components To Implementing A Plan

• For more information on implementing a retirement plan, visit our Employers / Plan Sponsors section of the website.
• If you have additional questions, or if we can assist you in any way, please contact our CMO Ministry Services Manager at (888) 879-1376, ext. 228.

• Which plan is best for me?  This question is commonly asked by the pastors we serve at Envoy Financial.  The answer depends upon your situation.  Our LifeStage Team of financial professionals can help navigate through your specific issues to provide you with the guidance you need for this important decision.   
• Roth Plans – Roth is now available in a 403(b) plan which allows you to contribute to your plan on an after-tax basis, grow your principal and earnings tax-free and take tax-free distributions when you ultimately draw income out of your plan.  Because of other tax benefits to pastors, the Roth after-tax contributions to your plan can be a powerful combination to building your significant Future-Funded Ministry™.
• Traditional Plans – Traditional plans are for Pastors and Ministry Professionals that are in higher tax brackets or need additional tax deductions during the year.  Envoy Financial provides you with “Trusted Advice Along The Way” for building your significant Future-Funded Ministry™.

8.  How do I counsel couples about financial stewardship issues?     (Back To Top)

Introducing your church resource for counseling couples on financial stewardship issues.

Cents & Sensibility How Couples Can Agree About Money By Scott and Bethany Palmer "Discover your "Money Personality" and that of your spouse - then get on your way to peaceable ways of saving and spending!" Book Summary: Conflicts about money are often the key source of arguments between couples. That's because most of the time, spouses look at financial matters very differently. One might be a "saver" while the other is a "spender." But neither one is necessarily "right" in the way they choose to handle family funds.

This is a relational guidebook to help married and engaged couples build (or rebuild) their relationship by working together on financial issues. With God's principles at work, there is hope for arriving at financial balance! Couples learn to understand and respect each other, and by communicating more effectively, can begin the journey to financial harmony - and joy!

Includes Readers' Guide for personal reflection or group study!

Contents:

Part One: The State of Your Union: The Five Most Common Ways Couples Disagree About Money
Part Two: Your Monetary Makeup: Why You and Your Partner Approach Finances the Way You Do
Part Three: Checks and Balances: Keys to Getting on the Same Financial Page/Great Communication Tips
Part Four: Developing a Positive, Prosperous Partnership: Five Hot-Button Issues Couples Need to Agree On

Praise for Cents & Sensibility:

With this book the Palmers may well emerge as the financial counselors for a new generation of debt-weary couples.  Their advice is pointed, practical, rooted in experience, and certain to strengthen thousands of marriages.  - Tom Minnery, Vice President, Focus on the Family

Scott and Bethany have been helping people reach their financial goals for fifteen years.  This book helps couples reach their relationship goals as well.  A must read! - Ed Forst, President, Lincoln Investment Planning, Inc.

For years, hundreds of organizations have trusted Bethany and Scott to give their employees sound financial advice.  I trust them.  Read Cents and Sensibility - and you'll trust them, too!  - John Pearson, President/CEO, Christian Management Association

For a copy of Cents and Sensibility: How Couples Can Agree about Money, visit the Resources Page.

9.  Common investment mistakes pastors must avoid     (Back To Top)

Star Struck and/or Chasing Returns

• Many investors have a tendency to select mutual funds solely based on the fund’s past history or if they are highly rated with 4 or 5 stars by a mutual fund rating service. Unfortunately, yesterday's top performers may be tomorrow’s losers. 
• There are many other important factors to consider when selecting an investment and our LifeStage Specialists are equipped to serve you with excellence in your investment selections.
• This is the Envoy Financial difference – you are truly not on your own, our ministry team is here to serve you with “Trusted Advice Along The Way.”

Eggs In One Basket

• Starting in 2001 with the 9/11 attack, the S&P 500 had three down years in a row for the first time in our country’s history.  One thing that this era has taught us is to not put our “eggs in one basket.”  It is extremely important to build a portfolio that takes advantage of sound principles like diversification, asset allocation and rebalancing your portfolio.
• There are many other important factors to consider when selecting an investment and our LifeStage Specialists are equipped to serve you with excellence in your investment selections. 
• This is the Envoy Financial difference – you are truly not on your own, our ministry team is here to serve you with “Trusted Advice Along The Way.”

Saving Too Little

• How much should you save?  Is there a rule of thumb or guideline?  Yes and no.
• Your Envoy Financial LifeStage Specialist provides you with “Trusted Advice Along The Way” for building your significant Future-Funded Ministry™ based on your individual goals and current situation.  We can help you navigate through these types of questions and review your plan to ensure that you are indeed on track. 
• This is the Envoy Financial difference – you are truly not on your own, our ministry team is here to serve you with “Trusted Advice Along The Way.”

Fees

• Envoy Financial is a Christian Non-Profit organization dedicated to helping Ministries and their employees manage the resources entrusted to their care and is extremely sensitive to the fees that are built into your plan.   
• We understand that your ministry needs keep expenses very low and we are happy to offer you the industry’s lowest fees, and retirement plan platforms that maximize your performance and minimize your fees.  There are fees in every plan.  However, Envoy Financial is committed to offering plans with the lowest fees in the industry. 
• This is the Envoy Financial difference – you are truly not on your own, our ministry team is here to serve you with “Trusted Advice Along The Way.”

Fees vs. Performance

God wants us to be wise stewards. However, low fees do not always mean better performance.  Fees vary depending upon the type of investment funds.  For example, international funds have higher fees than government bond funds.  Be aware of them, but don’t let fees hold you back.  It’s important to look at the overall balance of your account to make sure you are in the right sectors with the right percentages.

I Can Manage Myself

• You wouldn’t perform surgery on yourself; you’d allow a seasoned surgeon to operate. Likewise, Envoy Financial specialists believe that you need seasoned professionals to serve you with “Trusted Advice Along The Way.”  The Bible states very clearly in Proverbs 12:15, “The way of the fool is right in his own eyes, but a wise man is he who listens to counsel.”  And Proverbs 15:22 states, “Plans fail for lack of counsel, but with many advisers they succeed.” 

Many people want to have a “hands-on” approach to their finances.  We find, however, that most people:

1. Lack knowledge about investing
2. Are not as engaged with the frequent changes of the market to be able to adjust their investment strategy when needed
3. Are too engaged with the returns game – and adjust their investment strategy too often
4. Are too busy, or out of the country, to pay close attention to their accounts
5. Really want more protection from the ups and downs of the market

These factors prevent most people from being able to mange their accounts effectively.  Envoy Financial’s mission is to give you Trusted Advice for your accounts – and we have many ways to do this:

• Have your account actively managed by a separately retained and compensated professional money manager. 
• Your employer may have included access to money managers (Advisory Services) in your retirement plan.  If available, these choices can be detailed for you during an appointment with a LifeStage Specialist.

Opting out of Social Security?

• This is a difficult question for many pastors.  If pastors decide to object to social security on religious grounds and opt out of the system, they need to ensure that they provide for their families and the shortfall that may be created from not being in the system. 
• Pastors may need to consider income replacement, insurance for survivors, health insurance and disability insurance to ensure proper protection is in place.
• Experts agree that ministers may need an extra $25,000 to $40,000 annually to replace the benefits afforded them under social security during their retirement years.
• Test your motives for opting out and ask yourself are you consciously objecting on religious grounds or for financial gain?  Please consider the cost and your conscience when making these decisions.

10.  Financial Products and Services Available     (Back To Top)

Retirement Plans

403(b)
Roth 403(b)
Joint Accounts (Non-qualified)
401(k)
Roth 401(k)
SEP IRAs
Simple IRAs
Executive Financial Solutions
Rollovers and Consolidation
Annuities
     Fixed
     Equity Indexed

IRA Planning

Roth
Traditional

Education Savings Plans
Life Insurance
The Integrity Collection (Faith-Based Funds)
EZ Flex
Simple Retirement Solutions
Research and Education
Asset Management (Advisory Programs)

11.  Information Request:     (Back To Top)

We will be pleased to contact you regarding any additional information you would like.  Please complete the following and we will promptly contact you.

I would like a planning appointment regarding (check all that apply):

  Setting up a retirement plan
  Transfers/rollovers
  A life insurance review
  Sophisticated retirement and investment analysis
  Education savings plans
  Budgeting
  Required minimum distribution
  Emergency funds and short-term savings
  Debt reduction