What happens when you are looking at a possible job loss as you are nearing retirement? That’s the question we tackle on this episode about mid career risk and its impact on retirement planning. It may be happening to you, or someone you know, at this very moment. It’s yet another example of how we have to hope for the best and plan for the worst.
Are you striving to have a solid financial future? It starts with clarity of your financial life. Clarity allows us to see the truth in past matters in order to make the best decisions for the future. It’s no different for finances. They decided in this episode to break down the word C-L-A-R-I-T-Y into financial counterparts according to each letter.
Bob and Mary Jo interview very special guest Ron Blue. Ron is the president and founder of Kingdom Advisors, as well as the founder of The Ron Blue Institute. Listen in as we dive into what motivated Ron to get into the Biblical financial planning movement, the amazing Christian leaders he met along the way, and his plans for Kingdom Advisors as this incredible organization continues to grow.
This episode ends part 2 of our 2 part series on “20 Money Principles for 2020” to help you become more financially successful, with an emphasis on what the Bible says about financial issues. Biblical guidelines not only help us to live a successful life, but they also illustrate many of the financial principles that are mentioned.
This episode begins part 1 of our 2 part series on “20 Money Principles for 2020” to help you become more financially successful, with an emphasis on what the Bible says about financial issues.
Do you have the desire and courage to be a generous giver? In this episode, we look at various ways to financially give to those causes closest to us. The Bible teaches us to pursue a life that imitates Jesus, and what better way than by being a generous giver?
We look at some year end tax planning tips for this year that need to be incorporated as soon as possible, as well as some that might benefit you over the course of a lifetime. There are no guarantees in life but one thing we can all probably agree on is that taxes will only go up and deductions will only become fewer in the years to come.
Bob and Mary Jo discuss the importance of having an excellent credit rating. A credit rating is not only used when buying a car, home, or applying for a credit card, but it is also used by insurance companies determining rates, employers determining whether to hire you, landlords determining rent, and even utility companies determining a deposit.
As Thanksgiving approaches, Bob and Mary Jo share their personal stories about what they are grateful and thankful for and the importance of always having a thankful attitude.
In this interview with Jonathan Saenz, President of Texas Values, Bob and MJ discuss the importance of Christian Values that formed the great state of Texas and how they are in jeopardy of being lost in Texas and across the nation. Texas, being the economic superpower that it is, is being attacked by leftists and if they capture it, they may just capture the whole nation.
Bob and Mary Jo discuss basic household insurance, commonly referred to as Property & Casualty (or P&C for short). Insurance is one of those things we know we need, but we always seem to buy it reluctantly. Some may view it as a necessary evil, while others may view it as a commodity and opt to shop on price alone. However, some insurance is more than just insurance, it’s real protection. It’s peace of mind knowing that you, your loved ones, and your worldly goods are covered.
Everyone has a story to tell about their history with money, but we also have a money style that may stem from this history. Our money style tells us who we are and how we view our money. Only when we begin to understand what drives our behavior when it comes to money decisions can we begin to make changes.
Money is an emotional topic, and everyone has a money history, whether they realize it or not. Bob and Mary Jo discuss their financial past and how it changed the way that they view money today. They explore money histories and how it impacts behavior.
As financial advisors that serve other small businesses every day, Bob and Mary Jo understand the small business owner and want to help. This episode covers small business owners’ long term financial interests and applying wisdom to the decisions they make today for a bright future.
Bob and Mary Jo discuss the loss of a spouse. Having been financial advisors for many years, they both have dealt with clients who have experienced the life changing event of losing a spouse through death or divorce. Whether you fit in this category or not, you may know someone who does so we invite you to listen and share with anyone you may know dealing with a loss or about to.
In this podcast, Bob and Mary Jo answer three questions about integrating your faith with your finances.
Is it okay for Christians to be financially successful?
Purpose vs Profits – can you invest for both?
Why the decline in individual generosity?
Bob and Mary Jo are joined by special guest and brother in Christ, John Madison, CPA. John is the owner and founder of Dayspring Financial Ministry, a biblical financial counseling and coaching ministry. John explains the more tax efficient ways that we can donate to charity given the current tax laws.
As Wealth Advisors, Bob and Mary Jo are continually asked both hard and easy questions. However, they get many of the same questions over and over as clients strive to find contentment with their financial situation(s). With this in mind, this episode covers some more of the top questions that many financial advisors, like Bob and Mary Jo, are asked on a daily basis.
My how time flies! It’s already been a year since our first podcast episode of “Christian Financial Perspectives” was released. We are celebrating one year with our 52nd episode recapping some of our favorite episodes.
Have you ever heard something that sounds too good to be true on a radio program where “Financial Planners” hype certain products that offer great returns at little to no risk? They often sound too good to be true, and listeners are getting sucked in to a promise that is misleading and something that they may not fully understand. In this episode, Bob and Mary Jo cover many key points to protect yourself and equip you to make more informed decisions.
Volatility in the markets can lead to many doubts when it comes to financial decisions. As experienced advisors who have seen many market downturns as well as many periods of strong market growth, Bob and Mary Jo have established some best practices, which they share on this episode.
This episode is a very educational, informative, and complicated topic on an extremely important subject – properly titling property and assets. We urge you to listen as it could mean the difference between chaos or an orderly process in the most extreme times of stress.
The phenomenon of suddenly coming into wealth is called – you guessed it – Sudden Wealth Syndrome. This episode is perfect for anyone that has recently, or soon will, come into a large amount of wealth. Bob and Mary Jo discuss four psychological dangers and four solutions for Sudden Wealth Syndrome, as well as nine common ways sudden wealth is obtained.
Often times, it is financial decisions that are filled with regret. Many times, it’s because we didn’t know any better. Unfortunately, most people don’t really understand their complete financial situation and if it is healthy. Bob and Mary Jo are here to help with that by presenting some of the most common financial mistakes that they see with clients.
Learn about the financial aspects of the most common life stages. Whether you are just getting started, on the brink of retirement, or somewhere in between, consider your life stage when making these financial decisions that can impact your future.
Bob and Mary Jo discuss a topic that is very important to the financial life of most seniors, and that is Medicare with special guest Mr. Brooks Boyd of Senior Savings Organization.
Eventide Asset Management, LLC is a Boston-based registered investment adviser pursuing “investing that makes the world rejoice.” Founded in 2008, Eventide’s vision is to serve individuals, financial advisors, and institutions by providing investments that create compelling value for the global common good.
Everyone seems to focus their attention on investment management. However, it is the ongoing relationship between your investments and planning for the future where the real magic happens. Financial Planning is a lifelong process where you manage your entire financial picture in order to achieve your financial goals.
In this episode, we want to introduce you to a tool that will help you choose peace over worry when it comes to your investments called Riskalyze®. Riskalyze® is a financial technology company that provides software for analyzing investment risk and building and implementing investment portfolios. Bob and Mary Jo interview special guest, Mitch Mitchell, who is the Customer Success Manager for Riskalyze® to give a complete breakdown of this piece of technology, how it works, and how you can use it.
Bob and Mary Jo address the phenomenon regarding FOMO or “Fear Of Missing Out”. This episode shows how we can move from FOMO to JOMO “Joy of Missing Out” – joy and contentment with where you are and what you have. Wikipedia defines it as “A pervasive apprehension that others might be having rewarding experiences from which one is absent.” This social anxiety is characterized by, “A desire to stay continually connected with what others are doing”.
In this episode, Bob and Mary Jo cover the importance of working with a trusted advisor to help you understand the complexity of all of the moving pieces and parts of retirement and how these pieces fit together for your benefit.
In this episode, Bob and Mary Jo talk about something fun that is on everyone’s mind this time of year – summer travel. They share ideas, tips, and suggestions on how to get the biggest bang for your buck while traveling.
You may have heard Bob and Mary Jo talk about Kingdom Advisors before. Joining them is special guest Rob West, the President of Kingdom Advisors, a professional association promoting the integration of a biblical worldview into financial practices. In this episode, you will learn about Kingdom Advisors, who they are, and what that can mean for you.
On today’s show, Mary Jo is joined again by Ron First of Christian Insurance Services to discuss “Planning for Incapacity” in our 2 part series. In this episode, Mary Jo and Ron discuss protection – primarily long term care planning and ways to cover this expense.
On today’s show, Bob and Mary Jo are joined with Ron First of Christian Insurance Services to discuss in a 2 part series on how to plan for incapacity. Who doesn’t want that? So listen to this episode to learn about an extremely important topic and one you should pay special attention to no matter what stage of life you are in.
Are you thinking about buying a new car, trading your car in, or just wondering how to save money when it comes to the entire car industry? Many of us give very little thought to the total cost of owning a car. Join Bob and Mary Jo as they share their experiences, tips, and tricks when it comes to purchasing a new car.
On this episode, Bob and Mary Jo interview special guest and friend, Robert Netzly, the founder and CEO of Inspire Investing. Inspire focuses on biblically responsible investing with a goal to “inspire transformation for God’s glory throughout the world by building low cost, biblically aligned investments that create meaningful change in the lives of people across the globe”.
In this week’s show, Bob and Mary Jo wrap up our series called “Biblical Viewpoints of Money and Wealth”. This was originally designed as a Bible Study written by Bob Barber. The series is a deep dive into what God’s word has to say about money.
In this week’s show, Bob and Mary Jo continue along in the “Biblical Viewpoints of Money and Wealth” series. It was originally designed as a Bible Study written by Christian Financial Perspectives host, Bob Barber.
In this episode, Bob and Mary Jo begin a series called “Biblical Viewpoints of Money and Wealth”. This topic was originally designed as a Bible Study and written by Bob Barber. The series is a deep dive into what God’s word has to say about money, so it is a perfect topic to cover here on Christian Financial Perspectives.
In finance, diversification is a process of allocating capital in a way that can reduce exposure to any single asset or risk. Bob and Mary Jo breakdown the principle of diversification and all of its different aspects and look at it from various perspectives.
Bob and Mary Jo present ways to create a “Family Money Legacy” for your children and/or grandchildren. A common goal for many parents and grandparents is for their children and grandchildren to learn how to master their God given resources, and not have money master them. It’s important to create a “Money Master” and not a “Money Monster”.
In Part 2 of our 2 part series “It’s All In The Family”, Bob and Mary Jo discuss the importance of having financial conversations with your spouse in a sensitive and productive way. Having these conversations is usually anything but easy. So, in order to better provide a simple way to begin these conversations, Bob and Mary Jo offer “10 Tips for Talking With Your Partner About Money”.
Talking about finances can be a taboo subject that is difficult to discuss. This difficulty is multiplied when it comes to discussing current financial situations and a financial future family members. In Part 1 of our 2 part series “It’s All In The Family”, Bob and Mary Jo discuss the importance of having these financial conversations with family members – specifically one’s parents and one’s children.
The one constant in this world is change. Change happens whether we are ready for it or not. You just left your current job and have moved on to a new company or maybe you are retiring. Are you wondering what to do with your old 401(k) or other type of company retirement plan?
January isn’t the only time to make positive changes! We all know how hard making changes and incorporating new habits can be, especially when it comes to finances. However, there’s no time like the present. When you develop a stewardship mentality, you are poised to go on an unforgettable adventure with God.
Here at CIS Wealth Management Group, we get a lot of great questions on a daily basis from clients, and many of these questions are the one and the same. Bob and Mary Jo decided to record a program based on the most common questions that we receive as financial advisors.
In Part II of our series, Understanding Qualified Retirement Plans like IRA’s, Roth IRAs, 401k’s, 403b’s, SEP IRAs, SIMPLE IRAs and Required Minimum Distributions (RMDs). Bob & Mary Jo discuss the specifics and the rules associated with each type of plan.
Bob & Mary Jo discuss the history of retirement planning from social security to company pension plans as well as complete breakdowns of various retirement plans.
This week, Bob and Mary Jo interview a special guest and long time friend and Christian brother, Art Ally. Art is The Founder, President & CEO of The Timothy Plan Mutual Funds, a fund family categorized as a Biblically Responsible Investment (BRI).
This week, Bob and Mary Jo interview David Hart, the president of sales and marketing for eVALUEator services. eVALUEator is a tool for screening investments according to morally and biblically-responsible values. It is a tool for giving investors knowledge and the ability to be a good steward and stay away from various activities.
Would you take a road trip without a map or GPS? In this episode, Bob and Mary Jo cover the many reasons for needing financial planning. Financial planning is the process of wisely managing your finances so that you can achieve your dreams and goals – quite simply, a map to get you to the financial future you desire.
Many find themselves in a revolving cycle of of putting off financial matters that need to be done. Could you be in this cycle? Bob and Mary Jo talk about one of the main reasons for financial failure in almost every area of your finances – procrastination.
What are your financial goals and what have you done to help make them happen? This week, Bob and Mary Jo offer tips and advice that may give an extra advantage when it comes to fulfilling financial goals.
In this episode of Christian Financial Perspectives, Bob and Mary Jo discuss the joy of giving. Also joining Bob and Mary Jo is Ryan Assunto, the President of the National Christian Foundation Austin (NCF).
This week, Bob and Mary Jo discuss one of the most fascinating aspects of investing – how emotions and FEAR can control investment decisions. More often than not, investor’s behavior is fueled by emotions. As a result, they tend to buy high and sell low which is the exact opposite of what you want to do.
This episode discusses the good, the bad, and the ugly of annuities. Bob and Mary Jo cover what an annuity is and how they work in order to help you determine if an annuity is the right option for you.
We cover what we consider the top 25 items to examine when it comes to investing in stocks and bonds, which is just the tip of the iceberg. Investing is about so much more than the stock market, and there are many things to consider when investing.
With Black Friday and Cyber Monday looming around the corner, Bob and Mary Jo share tips for sticking to a budget when it comes to gift giving and money spending. They also touch on other year end topics including charitable gift giving, reviewing your tax situations, and maximizing your retirement plan contributions.
Have you created an income stream for retirement? This is something many of us worry about on a daily basis. In this episode, Bob and Mary Jo discuss different topics surrounding retirement income such as replacement income and how to avoid dipping into the principal of your investments early on, as well as the guidelines surrounding your Required Minimum Distribution (RMD).
Join Bob and Mary Jo as they talk about residential rental real estate, its pros, and its cons. From maintenance of a rental property to seasonal and vacation rentals, they go in depth to the many facets surrounding this secondary source of income.
Join us as we discuss 15 wealth management issues that are critical to the financial well being of most successful families. Not all of them will apply to every situation since every financial situation is unique and based on financial, social, and/or emotional needs.
In this episode of Christian Financial Perspectives, Bob and Mary Jo discuss “18 Income Tax Strategies for 2018” that may help lower your income taxes. They also supply a variety of Bible verses supporting paying your taxes, as well as verses on finance in general.
We discuss the 10 uses for money:
– 4 DAILY uses
– 6 SETTING LONG TERM GOALS uses
There is a lot to explore and consider. We are sharing guidelines and these guidelines can be interpreted in various ways that’s why we thought today’s message is so important.
Estate planning is a very important part of wealth management. In this episode, we are covering different techniques and tips that we recommend when it comes to creating an estate plan involving your family.
How do you choose a financial advisor? It’s not just about experience (although experience is important), but looking for a financial advisor encompasses a variety of areas including client relationships, truthfulness, openness, and if they are approaching your financial portfolio from a holistic perspective.
Biblically responsible investing (BRI) is a subset of impact investing (also known by faith based investing). How does it fit under this umbrella? BRI seeks to align itself with companies supporting conservative agendas. BRI avoids buying publicly traded companies directly, or indirectly through a mutual fund or separate account manager, that are known to violate Biblical principles.
What exactly are the scriptural guidelines when it comes to money and finances? As Christians and followers of Christ, we can probably all agree that the Bible is made up of God’s word, and God is the source of Biblical wisdom. Biblical wisdom is timeless, transcendent, accurate, universal, and practical.
The Bible has the best foundation for all of our money management principles and all of the basics for financial planning and how to create a financial wellness plan for you and your family. All we have to do is look for it, and it’s there! Scripture speaks on how to invest, how to handle money on a daily basis, paying taxes, and so much more. There really are very few people talking about this right now, and we are excited to be bringing this information to people all over the world through our Christian financial podcast.