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If you finally want to straighten out your finances the right way based on Biblical principles, get this book.  You’ll wonder how you ever dealt with your finances without it." Back to Testimonials Tom Copland’s book, Financial Moments "I was fortunate to find Tom Copland’s book, Financial Moments. He clearly shows you how to manage your finances based on Biblical principles. He carefully explains how making your relationship with God your highest priority will bring you the success and peace of mind that you are seeking in dealing with your finances (and every other part of your life for that matter!). He gives specific information and advice based on the God’s Word, the Scriptures, on getting out of debt, budgeting, financial stewardship, running a business, and staying away from worldly views on money that will only get you into trouble. If you finally want to straighten out your finances the right way based on Biblical principles, get this book. You’ll wonder how you ever dealt with your finances without it." Best regards,
 T.O. Oshawa, Ontario, Canada. 
 T.O Oshawa, Ontario, Canada. 
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Amazing! Tom’s knowledge of the bible is extraordinary and God’s call on his life is unmistakable, allowing so many people the opportunity to learn and understand how to manage finances God’s way. I feel truly blessed to have been able to participate and learn from Tom’s wisdom. His generosity in offering this program without charging a fee is testament to his commitment to God and man. Tom lives his faith and demonstrates his faithfulness to love God and love people. Thank you Tom!! Back to Testimonials Tom's faithfulness to love God and love people Amazing! Tom’s knowledge of the bible is extraordinary and God’s call on his life is unmistakable, allowing so many people the opportunity to learn and understand how to manage finances God’s way. I feel truly blessed to have been able to participate and learn from Tom’s wisdom. His generosity in offering this program without charging a fee is testament to his commitment to God and man. Tom lives his faith and demonstrates his faithfulness to love God and love people. Thank you Tom!! W.B. Barrie, ON, Canada Previous Next

You handled yourself with sincerity, godliness, compassion, and excellence. Our listeners obviously felt very comfortable talking to you. We couldn’t take all of the calls. That’s a nice “problem” to have! Tom, I know God is using you in a big way. There is no better way to live! Looking forward to having you back with us. Back to Testimonials There is no better way to live! You handled yourself with sincerity, godliness, compassion, and excellence. Our listeners obviously felt very comfortable talking to you. We couldn’t take all of the calls. That’s a nice “problem” to have! Tom, I know God is using you in a big way. There is no better way to live! Looking forward to having you back with us. K.G. (Professional Radio Host) Previous Next

I began seriously studying God's Word on finances around 2008 when going through a Sunday School seminar on Debt Reduction God's Way led by Tom Copland (shortly after he had joined our church in Ajax). Back to Testimonials I have come to realize that Biblical stewardship is not an area that can be faked. I began seriously studying God's Word on finances around 2008 when going through a Sunday School seminar on Debt Reduction God's Way led by Tom Copland (shortly after he had joined our church in Ajax). This seminar not only opened my eyes to the dangers of debt, but prompted me to participate in several other similar seminars over the coming years, with the focus on Financial Management God's Way. I am thankful for this material that has helped me appreciate that the Lord is deeply interested in how I use the money and material things He has entrusted me with, and to that end, I have come to realize that Biblical stewardship is not an area that can be faked. I am also thankful for the many opportunities Tom has presented me with to lead others in this area, which the Lord has used to continue to show me that in order to maximize my spiritual impact as a Biblical steward, contrary to conventional 'worldly wisdom', the Lord's wisdom is that borrowing is generally discouraged and giving is generally encouraged. After many years of study and resolve to follow God's Word, I am thankful to have been able to persevere by avoiding many financial temptations, and as a result now am totally debt-free. I would recommend following Tom Copland's material on managing money God's way for anyone who is looking to do the same. E.L Ontario, Canada Previous Next

1. God owns all the money. “‘The silver is mine and the gold is mine,’ declares the LORD Almighty” (Haggai 2:8). Back to Stewardship Principle God Owns Everything By: Tom Copland June 15, 2020 1. God owns all the money. “‘The silver is mine and the gold is mine,’ declares the LORD Almighty” (Haggai 2:8). At the time this verse was written, silver and gold were used as a means of exchange (i.e., like money), so I believe a modern-day interpretation of this verse would be that God owns all the money. 2. God owns all the livestock. “Hear, O my people, and I will speak O Israel, and I will testify against you: I am God, your God. I do not rebuke you for your sacrifices or your burnt offerings, which are ever before me. I have no need of a bull from your stall or of goats from your pens, for every animal of the forest is mine, and the cattle on a thousand hills.” (Psalm 50:7–10, emphasis added) At the time this verse was written, many people retained material wealth in their livestock, and this was frequently a measure of one’s material resources. 3. God created everything and therefore owns everything: “The earth is the LORD’s, and everything in it, the world, and all who live in it; for he founded it upon the seas and established it upon the waters.” (Psalm 24:1, 2) 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 honour come from you alone, and you are the Ruler of all mankind; your hand controls power and might, and it is at your discretion that men are made great and given strength. (1 Chronicles 29: 11, 12 TLB) For Christians, I think the most important thing is to acknowledge, in heart and in mind, that God owns everything. In order to do this practically, is important to learn and implement God’s principles as outlined in his Word and utilize the material resources that God has given us according to God’s will and not our own will. Previous Article Next Article More Topics The Joseph Principle Read More Debt Principles Read More Counsel & Wisdom Read More

In Matthew 25:14–30, Jesus Christ gives us the Parable of the Talents. In this parable, the master represents God, and the servants represent you and me—that is, the people. The master entrusted different amounts of material wealth to three servants. Back to Stewardship Principle God Requires Faithful Stewards By: Tom Copland June 15, 2020 In Matthew 25:14–30, Jesus Christ gives us the Parable of the Talents. In this parable, the master represents God, and the servants represent you and me—that is, the people. The master entrusted different amounts of material wealth to three servants. To one servant, he entrusted five talents of money, to another, two talents, and to another, one talent. This is consistent with real life. Nowhere in scripture does God promise to provide everyone with the same amount of material wealth. When the master returned, he found that the servants with five and two talents had each doubled their money. The servant with one talent had buried his, making no effort to invest his master’s money. It’s interesting to note that the praise God gave the servant who had five talents and earned five more was identical to the praise that he gave to the servant who had two talents and earned two more. That praise was, “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!” (Matthew 25: 21, 23). As for the servant who was entrusted with one talent, he was lazy, wicked, and unfaithful to God. In short, he was not a good biblical steward. What was God’s decision with regard to the unfaithful servant who was entrusted with one talent? Matthew 25:28 and 29 states, “Take the talent from him and give it to the one who has the ten talents. For everyone who has will be given more, and he will have an abundance. Whoever does not have, even what he has will be taken from him” (emphasis added). It’s important to understand what this verse means. The words “for everyone who has will be given more” mean that everyone who has been a biblical and faithful steward, God will entrust with more. On the other hand, those have been unfaithful in their stewardship to God will lose even what they have been entrusted with. The servants who were entrusted with five talents and two talents demonstrated faithfulness to God, and thus God entrusted them with more. However, the third servant was not faithful, and therefore even that one talent was taken away from him. I believe that the kind of stewardship that God is looking for could be summarized as follows: Biblical stewardship occurs when a Christian (1) acknowledges in mind and heart that God owns everything (2) acts accordingly—that is, learns and implements God’s principles in managing the money and material things that God has entrusted to him or her (3) utilizes these resources in accordance with God’s will, not one’s own will Previous Article Next Article More Topics The Joseph Principle Read More Debt Principles Read More Counsel & Wisdom Read More

All of us are responsible to God, regardless of the amount of material wealth that he has entrusted to us. 1 Corinthians 4:2 states, “Now it is required that those who have been given a trust must prove faithful”. Romans 14:12 states, “So then, each of us will give an account of himself to God.” Back to Stewardship Principle God Requires Faithfulness By: Tom Copland June 15, 2020 All of us are responsible to God, regardless of the amount of material wealth that he has entrusted to us. 1 Corinthians 4:2 states, “Now it is required that those who have been given a trust must prove faithful”. Romans 14:12 states, “So then, each of us will give an account of himself to God.” God gives different amounts of money and material wealth to different people. However, individual accountability does not change. Luke 12:48 states, “From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked”. In short, those who have been entrusted with larger amounts have the greater responsibility than those who have been entrusted with smaller amounts. As a side point, I would like to point out that this does not mean that a Christian who has limited financial resources has necessarily been an unfaithful or unbiblical steward. In the 21st chapter of Luke, we are told of the widow who gave a few copper coins, which, in terms of monetary value, was insignificant. However, Jesus said that she gave more than all the rest, because they gave out of their great abundance, whereas she gave all that she had to live on. The widow, with her limited amount of material wealth, demonstrated biblical stewardship, while others with significant wealth did not. In addition, we can think of certain great men of God whom God decided in his sovereignty not to entrust with large amounts of material wealth. One example is the Apostle Paul. Notwithstanding his limited financial resources. Paul was still a tremendously committed Christian and an excellent steward of what God did entrust him with. In short, it’s really God’s sovereign decision as to how much he is going to entrust to each individual. Low income does not imply unfaithful stewardship. In summary, regardless of the amount of money that you have, God requires faithful stewardship of the resources that he has entrusted to you. Previous Article Next Article More Topics The Joseph Principle Read More Debt Principles Read More Counsel & Wisdom Read More

Discover our TV & Radio broadcast times. Tune in to learn more about Copland Financial Ministries' schedule and programming. TV & Radio Shows Schedule Anchor 1 WCHP 760 AM- Champlain New York The 28 minute shows are from: Monday to Friday- 4:45 PM to 5:15 PM . Saturday-10:30 AM to 11 AM and Sunday-12 noon to 12:30 PM Starting Feb. 1, 2025 Miracle Channel [Alberta Canada] Tuesdays evenings at 9 PM Mountain time starting January 12, 2021 Yes TV Ontario Thursdays 10 AM Eastern Standard Time starting , January 14, 2021 Faith TV [based in Winnipeg] Sunday 3:30 PM Winnipeg time Joy TV [based in Vancouver] 9:30 AM Pacific standard Time Vision TV 11:30 AM EST Radio Schedules Tom's financial moments on the Focus on the Family programs

Jesus said, “Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store PRIORITIES-TREASURES IN HEAVEN I believe that “treasures on earth” include money and material things. Back to Priorities Treasures in Heaven By: Tom Copland June 13, 2020 Jesus said, “Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store PRIORITIES-TREASURES IN HEAVEN I believe that “treasures on earth” include money and material things. These are the things that we tend to prize during our lifetime but that will have no importance when we get to heaven. The apostle Paul made it clear: “For we brought nothing into the world, and we can take nothing out of it” (1 Timothy 6:7). On the other hand, “treasures in heaven” include things that will be important to us when we get to heaven. I believe that “treasures in heaven” include salvation (as one’s salvation will last for eternity) and the rewards in heaven that God promises to his faithful stewards. The concept of rewards in heaven is difficult to grasp in concrete terms because we don’t really know what heaven will be like, and scripture does not explicitly describe heavenly rewards. However, it is important to realize that what we do here on earth does have an effect on what awaits us in heaven. 1 Timothy 4:7 tells us that “godliness has value for all things, holding promise for both the present life and the life to come.” Godliness includes the way we handle our finances. We read about treasures in heaven again in 1 Timothy 6:18, 19: “Command them to do good, to be rich in good deeds, and to be generous and willing to share. In this way, they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life.” In the Parable of the Talents, the concept of rewards is specifically linked to faithful financial stewardship. To servants who have been faithful stewards, God has promised that he will put them “in charge of many things” and that they will enjoy happiness with their master. Jesus said, “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!” (Matthew 25:21). As human beings, it is easy to get focused on money and material things that we can enjoy while we are here on earth. However, because money and material things are temporary, it is the wise Christian who focuses on “treasures in heaven.” Colossians 3:1, 2 states, “Since, then, you have been raised with Christ, set your hearts on things above, where Christ is seated at the right hand of God. Set your minds on things above, not on earthly things.” May I encourage you to take a few minutes right now and pray, asking God to reveal to you how you need to adjust your focus from treasures on earth to treasures in heaven. Previous Article Next Article More Topics Investing Counsel & Wisdom Stewardship Principle Read More Read More Read More

I am very impressed with your view on finances as it appears to me to be the most godly perspective all based on scripture. I can also sense your sincere love and devotion to the Lord and your desire to bring Him glory. You are seeking Him first and His kingdom and His righteousness by seeking the Holy Spirit’s individual direction through spending time in the Word and His presence. My spirit feels with your advice. Back to Testimonials My spirit feels with your advice I am very impressed with your view on finances as it appears to me to be the most godly perspective all based on scripture. I can also sense your sincere love and devotion to the Lord and your desire to bring Him glory. You are seeking Him first and His kingdom and His righteousness by seeking the Holy Spirit’s individual direction through spending time in the Word and His presence. My spirit feels with your advice. Anonymous Previous Next

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

I listen to you almost every day on Faith FM. I have learned so much and you have been God sent to me. I was praying to God for help in understanding His law with regards to finance and God blessed me with the best teacher/mentor I could have asked for. Thank you Tom and God bless you. Back to Testimonials Faith FM Listener I listen to you almost every day on Faith FM. I have learned so much and you have been God sent to me. I was praying to God for help in understanding His law with regards to finance and God blessed me with the best teacher/mentor I could have asked for. Thank you Tom and God bless you. Ellyna Previous Next