Discover engaging workshops about financial management with our Finance Tutor. Join our featured workshop to enhance your financial skills today! Workshops Featured Workshop Featured Workshop Feb 15, 2021 webinar-Overview & Relationship With Spouse & God Play Video Feb 22, 2021-Session 2-God Wants Us To Discern His Will & Relationship With God Play Video March 1, 2021-Session 3- Learn to listen to God & Biblical Guidelines Play Video March 8 2021- Session 4-Challenges To Discerning God's Will & Tough Case Study Play Video Discerning God's Will In Managing Money Webinar Series (2021) Watch Now Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Share Channel Info Close Discerning God's Will in Managing Money Webinar Series (2021) This webinar series covers the following topics: 1. Relationship with God & your spouse 2. God wants us to discern His Will 3. Learn to listen to God 4. Challenges to discerning God's Will Download the PDF course materials below. Download PDFs Oct. 19 and 26, 2025- Emmanuel Baptist Church Secular Person Versus Biblical Steward Watch Now June 8, 2024- Ajax Alliance Church This emphasize more on “Biblical Estate-Planning Russell and Eli Watch Now Sept. 30, 2023- Workshop This emphasize more on “Dealing with High Interest Rates and inflation from a Biblical Perspective”. Tom's Workshop at Parkway Watch Now July 19, 2023- Budgeting Tom's Zoom Webinar about Budgeting Watch Now Sept. 18- Oct. 9, 2022- Westney Baptist Church Dealing With Inflation, High Interest Rates From A Biblical Perspective And Eliminating Debt- Tom Copland and Pastor Don Symons Watch Now Oct. 31- Nov. 21, 2022 Workshop with Tom Copland Session of 1 of 4- What Can you Do to Deal with Inflation and High Interest Rates Watch Now Advanced Biblically-Based Estate Planning God's Word, the Bible, has phenomenal wisdom on finances. Watch Now Debt Reduction God's Way for Individuals God's promises and our stewardship responsibilities. Watch Now Biblical Instructions for Engaged Couples The Bible contains 500 verses on faith and 2,350 verses on money and material things. Watch Now Financial Management God's Way for Women The Bible contains about 500 verses on prayer, 500 verses on faith, and 2,350 verses that deal with money and material things. Clearly, God's Word has incredible wisdom for us in managing money! Watch Now Financial Management God's Way Webinar Are you experiencing God's peace in the area of finances? If not, you're probably not managing money God's way. Watch Now Financial Management & Debt Reduction Presented at Muskoka Bible Centre. Featuring Financial Management Impacts Relationship with Spouse and Debt Reduction God's Way. Watch Now Financial Management God's Way for Singles Paying down debt, saving for future needs, and balancing one's cash flow are often more difficult for single people compared to married couples with two incomes. Although the biblical principles are the same, the practical application of the biblical principles can be different for singles. Watch Now April 10, 2022- Budgeting The purpose of budgeting is to ensure that you spend less than you earn so that you have a surplus to pay down debt and save for future needs. A proper budgeting system will provide the “financial facts” needed in order to make wise decisions. Guesswork and "gut feel" decisions are very dangerous Watch Now April 23, 2022- Financial Management God's Way For Women Clearly God’s Word has incredible wisdom for us in managing money! But unfortunately most Christians have limited knowledge of what the Bible says on finances. Watch Now Featured Workshop 2

Discover the perfect Accountant/Bookkeeping person needed for your finance needs. Ensure proper book keeping with our expert services today! Accountant/Bookkeeping Person Needed _______________ Responsibilities & Requirements: The job entails a mixture of bookkeeping, some reasonably straightforward public accounting work [including preparing financial statements corporate returns and personal returns], and an individual who is flexible enough to do some bookkeeping and some administration. Required a minimum of 3 years of accounting & bookkeeping experience, ideally working in a public accounting firm. Bookkeeping includes some bookkeeping for clients and preparation of some Excel schedules for our firm. Some of the administrative responsibilities would include Zoom meetings with clients from time to time, drop packages at the post office and some other duties. Must be proficient in MS Office including Microsoft Word, Outlook and Excel and comfortable with computers. The ideal candidate would have knowledge of QuickBooks, Sage 50, and experience with Caseware, Caseview and profile T1 and T2 software. Must have access to a vehicle and a valid G2 drivers license in order to pick up things for the office from time to time. Must be flexible as there are other tasks that could be required. Remuneration will be based upon the candidates experience and knowledge and initially we may engage their services on an independent contractor basis, and at a later date as an employee. Working hours required minimum of 7 or 8 hours per day on Monday, Tuesday, and Thursday ideally working from 12 noon to 7 PM or 8 PM. There is some flexibility here. And if the candidate can prepare financial statements, corporate tax returns, there would be 40 hours per week of work available. This role must be performed in-office, and cannot be done remotely so the successful candidate needs to be within reasonable driving distance of our Markham office. Copland CPA Professional Corporation provides accounting and tax services to private corporations and in addition, Tom Copland provides biblically-based financial advice to the clients. Our website is www.copland-ca.com

"Tom's televised teaching has truly changed my life with respect to better money management and has greatly contributed to a true appreciation for God's word. Back to Testimonials Tom's televised teaching has truly changed my life "Tom's televised teaching has truly changed my life with respect to better money management and has greatly contributed to a true appreciation for God's word. The knowledge, insight, understanding and wisdom I have obtained and growing spiritually with strengthening my faith is profound in my estimation. I owe this fact to good wise people who are God's servants such as Tom himself. God's word on finances is most definitely at the top of the list of what was missing in my life from childhood forward." DS, Calgary Alberta Canada". DS Calgary Alberta Canada Previous Next

It has become very clear that what I thought was a biblical view towards money was somewhat off base. This course has taught me that…an intimate walk with God…is the only way to be a good steward of the resources God has given us. Back to Testimonials A good steward of the resources God has given us It has become very clear that what I thought was a biblical view towards money was somewhat off base. This course has taught me that…an intimate walk with God…is the only way to be a good steward of the resources God has given us. Anonymous Previous Next

I've benefited greatly from your teaching as it has helped me change my thought process on handling my finances, planning for the future, and estate planning. I record your messages on my PVR so I can watch them from time to time. So again thank you again. Back to Testimonials I've benefited greatly from your teaching I've benefited greatly from your teaching as it has helped me change my thought process on handling my finances, planning for the future, and estate planning. I record your messages on my PVR so I can watch them from time to time. So again thank you again. L.C. Montréal, QC, Canada Previous Next

My knowledge and understanding of God's financial principles has profoundly changed. The bible is a wealth of information on how we should wisely think and then manage our finances. I have been so culturally accustomed to secular thinking about finances that I was not even aware of the detrimental impact that it had on my relationship with God. Back to Testimonials I wish I had learned these principles sooner My knowledge and understanding of God's financial principles has profoundly changed. The bible is a wealth of information on how we should wisely think and then manage our finances. I have been so culturally accustomed to secular thinking about finances that I was not even aware of the detrimental impact that it had on my relationship with God. My involvement in this study has benefitted my personal relationship with God. As mentioned in the workshop by Tom, 'if our hearts are dominated by money and related problems, how can we love God with all our heart?' I wish I had learned these principles sooner. I would encourage everyone to take this workshop. L.G. Toronto, ON, Canada Previous Next

Learn how to manage your money based on Biblical principles. If you have financial questions, let us know and Tom Copland or one of our trained financial coaches will advise you. The Joseph Principle Back to Articles The Joseph Principle In Genesis 41, God enabled Joseph to interpret Pharaoh’s dream where God warned that there would be 7 years of plenty and 7 years of famine. Read More

Prayer and dependence upon God are required in order to develop a personalized and biblically-based investment strategy. It is well known that the past performance of investment provides no guarantee for its future performance. First, Pray and Depend on God for His Wisdom & Direction Back to Investing By: Tom Copland October 19, 2021 Prayer and dependence upon God are required in order to develop a personalized and biblically-based investment strategy. It is well known that the past performance of investment provides no guarantee for its future performance. The best investment today depends on future events, and since no one can consistently predict the direction of any market, it is critical to acknowledge our dependence upon God for his wisdom and his direction in respect of investing. Now listen, you who say, “Today or tomorrow we will go to this or that city, spend a year there, carry on business and make money.” Why you do not even know what will happen tomorrow. What is your life? You are a mist that appears for a little while and then vanishes. Instead, you ought to say, “If it is the Lord’s will, we will live and do this or that.” (James 4:13–15) Notwithstanding all the information available today, only about 15 percent of all professional money managers beat the relevant index (e.g., TSX 60 or S&P 500), and no one can consistently predict the future value of these indices. The same principle applies to real estate. For example, from 1985 until 1989, the value of Toronto real estate increased significantly. Many believed that it would never go down. However, from 1990 until 1995, the values dropped drastically anywhere from 25 percent to 70 percent. From a human perspective, this does not make sense, but God is not surprised. Proverbs 27:1 states, “Do not boast about tomorrow, for you do not know what a day may bring forth.” The good news is that our all-knowing God does know the future (Isaiah 46: 9,10), and he is willing to provide us with the wisdom that we need in investing if we ask in faith. James 1:5 states, “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.” God has provided us with numerous investment principles/guidelines in his Word, the Bible. Biblical diversification (Ecclesiastes 11:1, 2) and minimal debt (Proverbs 22:7) are two examples. Please see my nine other Financial Moments regarding investing. In addition, I recommend Austin Pryor’s book Sound Mind Investing, available at soundmindinvesting.com. God will provide specific direction in respect of your investments. Psalms 32:8 states, “I will instruct you and teach you in the way you should go; I will counsel you and watch over you.” About three or four times per year, in dependence upon God, I spend significant time in prayer seeking God’s direction to review and adjust my investment strategy. By meditating on God’s Word and listening to God’s “gentle whisper” (1 Kings 19:11), I find God’s will in respect of the investments he has entrusted to me. This brings God’s peace and good investment returns. I encourage you to do the same and document what you believe God is telling you. But take note that if it is in any way contrary to God’s principles, then you have not heard from the Lord. Never forget that God is in control, and all riches come from him. Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything. Riches and honor come from you alone, and you are the Ruler of all mankind. (1 Chronicles 29:11, 12 TLB) In summary, it is critical to pray and depend on God for his wisdom and his direction in investing the money that God has entrusted to you. Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More

Your sincere honesty and sharing of true situations in your life, helped the rest of us to open up and share too. Back to Testimonials This brought healing knowledge and advice Hi Efrain [one of our small group leaders of the small groups series-Financial Management God's Way] Thank you so much for such a wonderful class. Your sincere honesty and sharing of true situations in your life, helped the rest of us to open up and share too. This brought healing knowledge and advice and help to all of us - from you and each other. I felt supported, cared for, and valued, as I trust others did too. BW North Vancouver Canada Previous Next

The following steps should enable you to learn and implement God’s investment principles. 1. Pray and depend on God for his wisdom (James 1:5) and his direction (Psalm 32:8) when investing, because no human can consistently predict the direction of the markets (James 4:13–15). Overview Back to Investing By: Tom Copland October 19, 2021 The following steps should enable you to learn and implement God’s investment principles. 1. Pray and depend on God for his wisdom (James 1:5) and his direction (Psalm 32:8) when investing, because no human can consistently predict the direction of the markets (James 4:13–15). Listen for God’s “gentle whisper” (1 Kings 19:12), because only God knows the future and God is in control (1 Chronicles 29:11, 12). 2. Develop and implement a biblically-based investment strategy that reflects God’s will for your life (Jeremiah 29:11). Understanding God’s financial principles will enable you to avoid a lot of bad investments. 3. Diversify your investments in accordance with Ecclesiastes 11:1, 2. This requires allocation of your assets into different types of investments that will likely react differently to any particular market condition, which will reduce the risk and volatility of your portfolio. (Note there are two Financial Moments on this topic.) 4. Use minimal—or ideally no—debt, because God’s Word strongly discourages the use of debt. People who use leverage aggressively will likely be forced by a lender to sell at the wrong time—when their investments have decreased in value (Proverbs 22:7). 5. Ensure that you understand the investment. Generally, people lose money when they invest in something they do not understand (Proverbs 19:2). 6. Assess your tolerance for risk, and invest accordingly. It is biblical to assume some investment risk; however, if you don’t feel comfortable with the volatility of your portfolio, then reduce your equities and increase Canada bonds. 7. Avoid “get rich quick investments” and hasty decisions. If you do not have enough time to pray and evaluate a particular investment, then do not invest. Hasty decisions are usually bad decisions (Proverbs 21:5). God recommends saving and accumulating assets over a long period of time (Proverbs 13:11). 8. Obtain biblical counsel from more than one source (Proverbs 15:22). Ensure that your investment advisers understand God’s financial principles because, unfortunately, many Christians do not, and they inadvertently give unbiblical advice (Psalm 1:1–3). 9. Ensure that your motives are godly and not worldly (Proverbs 16:2). 10. Follow God’s directives (e.g., planning, patience), not human tendencies like fear and greed. 11. Give to God’s work, as it produces eternal benefits! (Matthew 19:28, 29) 12. Keep a balanced perspective on investing (1 Timothy 6:6–8). It is appropriate to invest with the objective of saving for future needs; however, don’t overdo it—don’t spend excessive amounts of time and energy on investing, as this is not God’s will (Proverbs 23:4, 5). The above is intended to provide an overview of God’s principles with respect to investing. Further details are provided in my individual Financial Moments for each step. Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More

Discover how to get out of debt with our comprehensive Debt Principles guide. Learn effective strategies on how to get out of debt today! Debt Principles Back to Articles God's Warning - Debt is Dangerous! In this world, we are bombarded with all kinds of advertisements and advice that entice us to borrow money. As a result, many people believe the lie that it’s okay to “buy now and pay later” or that “smart people use other people’s money”. Read More

In my experience, the following are the common elements of a “get-rich-quick investment.” 1. There is a promise of an abnormally high rate of return. If the expected rate of return is unusually high, then the risk associated with that investment is also unusually high. Avoid "Get-Rich-Quick Investments" and Hasty Decisions Back to Investing By: Tom Copland October 19, 2021 In my experience, the following are the common elements of a “get-rich-quick investment.” 1. There is a promise of an abnormally high rate of return. If the expected rate of return is unusually high, then the risk associated with that investment is also unusually high. Hence there is a risk of very significant losses. If it sounds too good to be true, then it probably is. 2. Generally, the investor has a limited understanding of the investment. It is easier for a salesperson to sell you a high-risk investment when it is outside of your expertise. 3. It usually requires a quick decision that will prevent the potential investor from obtaining independent counsel from someone who has a thorough understanding of the investment. 4. Frequently, debt is utilized because debt increases the returns if the investment is successful; but debt also increases the losses if the investment goes sour. 5. Generally, a get-rich-quick investment is not diversified in accordance with Ecclesiastes 11:1, 2 but is focused on one investment or one sector, which increases the return if the promoters are right in their predictions, but it also increases the losses if they are wrong. God clearly warns of the dangers of trying to get rich quick: Do not wear yourself out to get rich; have the wisdom to show restraint. Cast but a glance at riches, and they are gone, for they will surely sprout wings and fly off to the sky like an eagle. (Proverbs 23:4–5) The emphasis in Scripture is to save and accumulate a little at a time over a long period of time and not to try to get rich quick. Proverbs 13:11 states, “Dishonest money dwindles away, but he who gathers money little by little makes it grow” (emphasis added). As explained in my Financial Moment titled “Investing—Assess Your Tolerance for Risk and Invest Accordingly,” it is biblical to assume some risk within your investment portfolio. However, when investors try to make a lot of money very quickly (i.e., to get rich quick), then generally they assume an excessive amount of risk and debt, and they frequently lose everything. This is not God’s will. Therefore, if someone recommends an investment that promises an abnormally high rate of return, or requires a significant portion of your portfolio, then I recommend the following: 1. Pray and ask God to direct you through his Holy Spirit. A lack of peace can be God’s way of communicating to you or your spouse that it is not God’s will for you to invest. 2. Ask God to reveal to you your motives. Motives are important to God (Proverbs 16:2). Ungodly motives include greed, covetousness, impatience, and pride; the corresponding godly motives would be generosity, contentment, patience, and humility. 3. Take the time that is required to obtain sufficient knowledge and understanding of the investment before you invest (Proverbs 28:19, 20). 4. Use godly counsellors who have the necessary experience and knowledge and will not personally profit if you decide to invest (Psalm 1:1–3). In summary, if you do not have sufficient time to complete the four suggestions above, then do not invest. Some of the best investment decisions ever made are the decisions not to invest. Hasty decisions are usually bad decisions (Proverbs 21:5). And remember, the emphasis in God’s Word is to save and accumulate assets for future needs over a long period of time—not to get rich quickly. Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More