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I would just like to say that what you are doing is amazing! I know it is helping many people! I first saw you in your commercial. I am so happy to see a Christian giving Godly based wisdom on finances. I am also glad that I have your messages as a 23-year-old now, that way the rest of my life could be set on the right track. Thank you for what you do, I hope that it never ceases. Your love for the Lord is admirable as well, and you are a fantastic role model. I can’t wait to tell people I know about you! cheers! Back to Testimonials I can't wait to tell people I know about you! I would just like to say that what you are doing is amazing! I know it is helping many people! I first saw you in your commercial. I am so happy to see a Christian giving Godly based wisdom on finances. I am also glad that I have your messages as a 23-year-old now, that way the rest of my life could be set on the right track. Thank you for what you do, I hope that it never ceases. Your love for the Lord is admirable as well, and you are a fantastic role model. I can’t wait to tell people I know about you! cheers! Anonymous Previous Next

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 how God is Blessing! with cfm services. Explore financial management God's way through cfm services and support our growing ministry. God is Bless ing! An update on how God is spreading His Word on finances Media Reach Radio The Financial Moments are on 155 radio facilities across Canada and northern United States. Tom's half-hour shows are on 15 radio stations across Canada, including WDCX radio in Buffalo. Praise God! TV Tom's half-hour programs and Financial Moments continue to be aired on Miracle Channel (Western Canada), Yes TV (Ontario, Calgary, and Edmonton), Vision TV (nationwide), Faith TV (based in Winnipeg), and Joy TV (based in Vancouver). Reach Between the financial moments and the one half hour radio and TV shows, we are reaching between 1,500,000 and 2,000,000 people every week. That's the hand of the Lord! Financial Management God's Way Courses Although COVID 19 has created a number of challenges, it has also resulted in opportunities. For example, Tom led an 11-week webinar titled "Financial Management God's Way for Singles". We averaged between 75 and 100 people on each session, and the attendees were from coast-to-coast in Canada and some from the United States. Financial Ministry is growing Tom I'm glad to hear that the financial ministry is growing and changing people's lives all over the world. Taking your course actually broke a stronghold in my life, I really believe that. I also developed a new money mindset. I am learning to walk in God's ways of managing money. J.C. Waterloo, ON, Canada 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 Thank you for sharing your testimony Thank you Tom. The teaching session was really helpful and thank you for sharing your testimony. I really needed to hear many the things that were being taught and discussed. You're a great example of faithfulness to the Lord. R.S. Prince George, BC, Canada Biblical-Based Financial Counseling Between Tom and his small group leaders/financial coaches, we provided biblically-based financial advice on a ministry basis at no charge to over 1,000 people during the last year (that's up from 750 last year). Tom's New Book! God enabled Tom to write a new book. It's titled "Financial Moments: Biblical Principles That Will Transform How You Manage Money". Castle Quay is the publisher, and the book will be distributed to Canada & United States – 17 countries in total! If you are interested in a physical copy of this book, you can purchase it here . Half-Hour Programs We recorded several new half-hour radio and TV programs including: "The Dangers of Cosigning", "Management of Money Impacts Relationship with Spouse", and "Investing God's Way" along with numerous new Financial Moments. We continue with the half-hour TV shows on Vision TV (nationwide), Joy TV (based in Vancouver. BC), and Faith TV (based in Winnipeg. MB) as well as the half-hour shows on WDCX Radio (Buffalo/Toronto, ON), half-hour shows on Faith FM radio stations in London, Kitchener and Woodstock and 10 radio stations in Eastern Canada, as well as Focus on the Family on Wednesdays and weekends praise God! This year, God opened the door for the half-hour shows to go on YES TV Ontario, Calgary and Edmonton as well as Miracle Channel in Western Canada, thus reaching thousands of people in Western Canada. Consider Giving to Copland Financial Ministries As usual, Tom receives no remuneration whatsoever, and almost all the people involved in the ministry are volunteers, however, there are significant radio and TV costs, and so we would encourage you to prayerfully consider giving to this ministry. Of interest, we have a donor who will match all donations, so when you give your funds, they are immediately doubled. If you can, automatic monthly donations are best as it allows us to predict our cash flow better or if you prefer to do a one-time donation, all donations are appreciated. To give, go to our website or send a check to: Copland Financial Ministries 325 Renfrew Drive, Suite 301 Markham, ON L3R 9S8 Canada If you have questions, send an email to tcopland@zing-net.ca . We are registered with Canada Revenue Agency and will issue donation receipts. In Matthew 16:27, Jesus said, "For when the Son of Man returns in his father's glory with his Angels, he will reward each person according to what they have done". Thank you for your prayers and financial support! Copland Financial Ministries

Discover the principles of Handling Money God's Way. Join our sessions on stewardship, debt, budgeting, and more to transform your finances today! Handling Money God's Way Session 1: Stewardship Stewardship is acknowledging in your heart and mind that God owns everything Handling Money God's Way - Stewardship - 1 of 3 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Handling Money God's Way - Stewardship - 1 of 3 28:02 Play Video Now Playing Handling Money God's Way -Stewardship - 2 of 3 28:02 Play Video Now Playing Handling Money God's Way -Stewardship - 3 of 3 28:02 Play Video Session 1 Handling Money God's Way - God's Wisdom On Debt & Saving - 1 of 3 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Handling Money God's Way - God's Wisdom On Debt & Saving - 1 of 3 28:02 Play Video Now Playing Handling Money God's Way - God's Wisdom On Debt & Saving - 2 of 3 28:02 Play Video Now Playing Handling Money God's Way 2 - God's Wisdom On Debt & Saving - 3 of 3 28:02 Play Video Session 2: God's Wisdom on Debt and Saving God warns of the dangers of debt and God admonishes us to save for future needs Session 2 Session 3: Steps to Get out of Debt Obtain a practical understanding of how to reduce your debt, with the long-term objective of becoming totally debt-free Handling Money God's Way - Steps To Get Out Of Debt - 1 of 3 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Handling Money God's Way - Steps To Get Out Of Debt - 1 of 3 28:02 Play Video Now Playing Handling Money God's Way - Steps To Get Out Of Debt - 2 of 3 28:02 Play Video Now Playing Handling Money God's Way - Steps To Get Out Of Debt - 3 of 3 28:02 Play Video Session 3 Session 4 Part 3 Biblical Principles of Investing Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Session 4 Part 3 Biblical Principles of Investing 28:02 Play Video Now Playing Session 4 Part 1of 4 - Budgeting 28:02 Play Video Now Playing Session 4 Part 5 Copland Budgeting System 28:02 Play Video Now Playing Session 4 Part 2 - Budgeting and Investing 23:24 Play Video Session 4: Budgeting Includes biblical principles of investing Session 4 Session 5: Financial Deceptions Beliefs that appear to be correct but are contrary to God’s principles and often tempt people to get into debt. Session 5 -Part 1 Financial deceptions Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Session 5 -Part 1 Financial deceptions 25:28 Play Video Now Playing Session 5- Part 2 Financial deceptions 26:19 Play Video Now Playing Session 5 -Part 3 Financial deceptions 27:00 Play Video Session 5 Session 6 - Part 1 of 3 Developing Godly Attitudes Towards Money Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Session 6 - Part 1 of 3 Developing Godly Attitudes Towards Money 26:48 Play Video Now Playing Session 6 - part 2 of 3 Developing Godly Attitudes Towards Money 26:53 Play Video Now Playing Session 6 - part 3 of 3 Developing Godly Attitudes Towards Money 26:58 Play Video Session 6: Developing Godly Attitudes Towards Money Session 6

Discover the Copland Budgeting System for proper budgeting. Enhance your financial skills with our Copland Excel Budget Template today! Copland Budgeting System Copland Excel Budget Template Excel Budget Template Written Explanation about Copland Budgeting System (PDF) How to Use the Copland Excel Budget Template How to Use the Copland Excel Budgeting System Template Play Video Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Search videos Search video... Now Playing Overview 01:55 Play Video Now Playing CFM- Budgeting System-Form 1- Assets and Liabilities 03:15 Play Video Now Playing Form 2 01:07 Play Video Now Playing Form 3 03:49 Play Video Now Playing Form 4 03:05 Play Video Now Playing Form 5 04:18 Play Video Now Playing Form 6 08:11 Play Video Now Playing Form 7 00:47 Play Video Initial budget, typical budget, budget where downsizing is necessary

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. Upcoming Radio Interview-provide your financial questions _______________ God has opened another door! On Friday, August 29, 2025 from 11 AM to 12 PM and again from 6 PM to 7 PM , I will be the guest speaker on Life 100.3 Radio [Barrie 100.3, Owen Sound 90.1, Huntsville 98.9, and Peterborough 89.3, all stations are located in Ontario, Canada]. However, the program will be pre-recorded. So we encourage you to email us your questions in advance (no later than August 5, 2025) to info@biblefinance.org . Also, we encourage people to ask their question by leaving a voicemail (30-90 seconds), by calling 1-866-735-3370 and then press extension 300 for Steve Jones, including providing your first name and what city you live in. Generally speaking the topic to be discussed will be: "GOD'S FINANCIAL WISDOM FOR GOVERNMENT LEADERS AND VOTERS" If you have a financial question on another topic, feel free to send that in, I will answer your question for sure by email, and if time permits, I will deal with that question during the radio interview. FYI - We will send an email with a link to the recorded show for everyone on our financial moment email list. Please pray that God will give me and Steve Jones his wisdom [James 1:5] and his specific direction [Psalms 32:8] with respect to this radio show interview. Thanks for your prayer support and your questions are appreciated! Tom Copland President Copland Financial Ministries www.coplandfinancialministries.org

Support Finance Tutor by donating today. Visit our Donate page to help us continue providing valuable financial education. Thank you for your support! Donate We appreciate you taking the time to check our donation page. You can donate online by completing the form below or mail a cheque payable to Copland Financial Ministries at: 325 Renfrew Drive, Suite 301 Markham, ON L3R 9S8 Canada info@biblefinance.org Canadian Charitable Registration No. 818256802 RR 0001

Discover financial ideas for managing money during Covid-19 with FinancialMoments podcasts. Explore financial ideas to thrive in tough times. Financial Moments Videos Video Financial Moments God’s financial wisdom for government leaders & voters Watch Series Teaching Children God’s Financial Principles Watch Series God’s Financial Wisdom for Churches and Church Leaders Watch Series Managing Money During Difficult Times Watch Series Dealing with Inflation and High Interest Rates from a Biblical Perspective Watch Series Giv ing Watch Series Secular vs Biblical Perspective on Money Watch Series Financial Moments for Businesses Watch Series Peace & Anxiety Watch Series Debt Watch Series Stewa rdship Watch Series Co- Signing Watch Series Financial Moments for Young People Watch Series Godly Attitudes Toward Money Watch Series Counsel & Wisdom Watch Series Inve sting Watch Series Prior ities Watch Series Relationship with God Watch Series Money and Relationship with Spouse Watch Series Discerning God's Will Watch Series Estate Planning Watch Series The Joseph Principle Watch Series Management of Money Impacts Eternity Watch Series God Provides Miraculously Watch Series Financial Deceptions Watch Series Financial Moments Articles 8 Articles Financial Deceptions Read More 4 Articles Co-Signing/Surety Read More 6 Articles Freedom from Financial Anxiety Read More 14 Articles Investing Read More 4 Articles Priorities Read More 3 Articles Counsel & Wisdom Read More 3 Articles Stewardship Principle Read More 1 Article Debt Principles Read More 1 Article The Joseph Principle Read More Articles Financial Moments > Covid-19 Covid-19 & Financial Moments 1. God Is in control regardless of Covid 19 Play Video 2. Experiencing God’s peace during a pandemic Play Video 3. Steps to Obtaining God’s peace Play Video 4. God Promised to Meet our Needs as We Put Him First Play Video Financial Moments on Managing Money during COVID 19 Watch Now Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Share Channel Info Close Financial Moments > Podcasts Financial Moment Podcasts Listen to Tom's Financial Moments on-demand. Now available wherever you get your podcasts. Search for "Copland Financial Ministries" on your favourite streaming platform. Don't forget to rate & review!

Over the past 28 years, I have met many investment advisers who have instructed their clients to use debt in order to increase their investment returns. Use Minimal Debt - Or Better, No Debt Back to Investing By: Tom Copland October 19, 2021 Over the past 28 years, I have met many investment advisers who have instructed their clients to use debt in order to increase their investment returns. When the market goes up, additional returns can be obtained through the use of debt. However, when the market goes down, the results can be disastrous. I remember one woman who borrowed against her home and invested in mutual funds only to discover four years later that the funds had decreased in value by 50 percent. Being upset with what occurred, she immediately sold her investments and paid off as much of the loan as she could. Several years later, she is still servicing the remaining debt. The deception from the world is that “smart people use other people’s money.” This is contrary to God’s Word. Every reference in scripture to borrowing is negative, and nowhere in the Bible does God ever direct anyone to borrow money in order for God to bless. Our all-powerful God is able to meet every need without the assistance of the bank. Philippians 4:19 states, “And my God will meet all your needs according to his glorious riches in Christ Jesus.” It is not a sin to borrow money, but it is a sin to borrow and not repay. Psalms 37:21 states, “The wicked borrow and do not repay, but the righteous give generously.” The implication is that the righteous person not only repays all debts but goes “the second mile” and gives generously. Experience has shown that people who use a lot of debt when investing will generally encounter one of the following problems: 1. When the markets are down, borrowers are forced by the lender to sell at the wrong time. In Proverbs 22:7b, God warns that “the borrower is a servant to the lender.” 2. Psychologically and emotionally, it is much more difficult to survive a “bear market,” because debt increases the volatility of your portfolio. For example, if you borrow 50 percent of what you invest, and if the market decreases 20 percent in value, then the loss of your personal capital is 40 percent. 3. If the investment decreases significantly in value, you can lose more than your original capital and end up with a deficit that may take years to repay. In Deuteronomy 28, God promised the people of Israel that, if they fully obeyed him, he would bless them so much that they be would lenders and not borrowers. In other words, God can bless your investments without the use of debt. I have seen more than 100 individual cases in which God has done this. Before you borrow to invest, be sure to ask God to reveal your motives. Frequently, people use debt in order to “get rich quick” because of covetousness or greed—both of which are contrary to God’s Word. On the other hand, saving and investing carefully over a long period of time, with the objective of meeting future needs, is a very biblical attitude. Proverbs 13:11 states, “Dishonest money dwindles away, but he who gathers money little by little makes it grow” (emphasis added). Saving and investing to provide for future needs is biblical. However, God strongly discourages the use of debt. I recommend that you save and invest whatever funds God has provided, and trust God to meet your needs, which he has promised as you put him first. (See Matthew 6:31–33.) Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More

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God admonishes us to obtain counsel. Proverbs 12:15 states, “The way of a fool is right in his own eyes, But a wise man is he who listens to counsel” (NASB), and Proverbs 15:22 states, “Plans fail for lack of counsel, but with many advisers, they succeed.” Obtain Biblical Counsel Back to Investing By: Tom Copland October 19, 2021 God admonishes us to obtain counsel. Proverbs 12:15 states, “The way of a fool is right in his own eyes, But a wise man is he who listens to counsel” (NASB), and Proverbs 15:22 states, “Plans fail for lack of counsel, but with many advisers, they succeed.” God recommends that we obtain biblical counsel from a godly investment adviser and God’s Word. Blessed is the man who does not walk in the counsel of the wicked or stand in the way of sinners or sit in the seat of mockers. But his delight is in the law of the LORD, and on his law, he meditates day and night. He is like a tree planted by streams of water, which yields its fruit in season and whose leaf does not wither. Whatever he does prosper. (Psalm 1:1–3) I believe that the following are excellent sources of godly biblical counsel. 1. First, and foremost, spend quality time with the Lord in prayer and ask God to reveal his counsel to you through the Holy Spirit. “But Jehoshaphat also said to the king of Israel, ‘First seek the counsel of the LORD.’” (1 Kings 22:5) God has promised that he will provide his counsel and direction in all matters, including investing. “I will instruct you and teach you in the way you should go; I will counsel you and watch over you.” (Psalm 32:8) 2. Meditate on God’s Word to ensure that any proposed investment is within biblical guidelines. “Your statutes are my delight; they are my counsellors.” (Psalm 119:24) For example, use minimal debt, or ideally no debt, as God’s Word discourages the use of debt (Proverbs 22:7). The use of debt increases the risk and the volatility of your portfolio. 3. In addition, before making any major decision, seek the advice of two or three godly investment counsellors/advisers. In my view, an appropriate definition for such a person would be as follows: a spiritually mature Christian who understands and applies God’s investment principles (Psalm 111:10), has a close personal relationship with God (John 15), has the necessary practical investment knowledge (Proverbs 24:3, 4) and habitually puts the interests of clients first (Philippians 2:3, 4. I believe that one of your investment counsellors should be your spouse (Genesis 2:24), even if he or she has limited investment knowledge. God, through his Holy Spirit, can give his peace or lack of peace to an objective spouse who is not emotionally excited about or biased against a particular investment. After obtaining the counsel outlined above, it is your responsibility to pray and ask God to give you his wisdom (James 1:5) in weighing that advice. Proverbs 14:15 states, “A simple man believes anything, but a prudent man gives thought to his steps.” In summary, before making any major investment decision, I recommend that you seek counsel, from God and his Word, two or three godly investment advisers, and from your spouse. Proceed only after God has given you his peace and his wisdom in respect to that particular investment decision. Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More

In my experience, I’ve seen too many cases where an individual has invested the majority of retirement funds in one company or in one sector. Diversification (1 of 2) Back to Investing By: Tom Copland October 19, 2021 In my experience, I’ve seen too many cases where an individual has invested the majority of retirement funds in one company or in one sector. For “a season” these investments may do well, but inevitably every company and sector falls on bad times. This results in significant losses because the portfolio was not diversified in a manner that was consistent with God’s Word. Because no human can consistently predict the direction of any market (see James 4:13–15), it is important to diversify your assets into different categories of investments that will likely react differently to any given market condition. The Bible recommends this type of diversification. “Cast your bread upon the waters, for after many days you will find it again. Give portions to seven, yes to eight, for you do not know what disaster may come upon the land.” (Ecclesiastes 11:1, 2) At the time this was written, “Cast your bread upon the waters” was a metaphorical expression used in the grain trade that illustrated the potential successful prospects of a business investment (per Dr. Charles Ryrie’s study bible). In short, it is biblical to take some risk within one’s portfolio, however, verse 2 recommends diversifying your investments into 7 or 8 categories, because you do not know what disaster may come upon any particular company or sector. In 1999, I met with a client who had invested most of his money in 25 technology stocks. I recommended biblical diversification of his portfolio. He believed he was diversified because he owned 25 different stocks. I explained to him that generally, all stocks in any particular sector will react the same under the same market conditions. He made no changes and as a result, during the bear market (2000-2004), his portfolio decreased 70% in value! Biblical diversification is obtained by allocating one’s assets into different types of investments that will probably react differently to any particular market condition. Here are some examples: 1. During inflationary times (e.g. the 1970s), natural resource equities, commodities and real return bonds increase in value, while medium and long-term bonds do very poorly. 2. In a period of deflation (e.g. 1991-1995), medium and long-term bonds generally increase in value, while natural resource equities, commodities and real return bonds usually do poorly. Further, diversify your assets among several sectors of the economy and to appropriate countries, as generally, this will reduce the risk and volatility of your total portfolio. Many investors try to “time the market”—that is, they buy when they believe that the market is headed higher and sell when they believe the market is going lower. God says (and history shows) that no human can consistently predict the future value of any investment (Prov 27:1). Therefore, unless God specifically directs you otherwise [John 10:3, 4, 27], there is a need for biblical diversification in one’s portfolio because, under normal market conditions, if one category of investment decreases in value, generally another category will likely be increasing, thus reducing the volatility of your total portfolio. Over the long run, a well-thought-out biblically based portfolio should provide reasonable returns. In summary, it is biblical to take on a reasonable amount of risk within one’s investment portfolio. However, God recommends diversification. This will reduce the risk and volatility of your portfolio. See my next Financial Moment for suggested asset allocations. Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More