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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

Tom Copland teaches how to manage money based on Biblical principles. If you have financial questions, let us know and Tom or one of our trained financial coaches will advise you. https://www.coplandfinancialministries.org/ Need help with your finances? See our Upcoming Events below ⬇️ Scroll Below What We Do Tom Copland teaches how to manage your finances based on Biblical principles. God's Word, the Bible, has incredible wisdom in the area of finances. There are 2,350 references in the Bible to money and material things. God provides us with wisdom in all areas of finances including debt, budgeting, investing, counsel, stewardship, priorities, giving, cosigning, obtaining God's peace, and providing a distinction between worldly attitudes as opposed to godly attitudes with respect to money. If you have financial questions, let us know and Tom or one of our trained financial coaches will advise you. Contact Us Upcoming Events Tom Leonard and Michael Howes Small Group-Financial Management God's Way- Thursdays 7:30 pm to 9:30pm Apr 09, 2026, 7:30 p.m. – Jun 25, 2026, 9:30 p.m. Zoom More info More Details Christine Kewallal Small Group-Financial Management God's Way- Saturday, 10am-12noon Jun 06, 2026, 10:00 a.m. EDT – Aug 29, 2026, 12:00 p.m. EDT Zoom More info More Details Tom Copland, Jonathan Grant , Josh Grant & Elijah Grant -"Management of Money Impact Your Relationship with God" Jun 14, 2026, 12:00 p.m. – 2:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd W, Orillia, ON L3V 6X5, Canada More info More Details Alexandra and Joyce Financial Management God's Way Small Group Jun 17, 2026, 7:00 p.m. EDT – Sep 02, 2026, 9:00 p.m. EDT Zoom More info More Details Events Featured Tom's New Book Management of Money Impacts Relationship with God, Spouse and Eternity Tom's Daily Devotional Book Financial M oments: Biblical Principles that Will Transform How You Manage Money Featured New Resources Sept. 30, 2023- Dealing with Inflation and Interest Rate- Parkway Watch Series May 3, 2023- Dealing with Inflation and Interest Rate- Zoom Watch Series Managing Money Difficult Times Watch Series God's Financial Wisdom for Young People Watch Series Discerning God's Will in Managing Money Webinar Series (2021) Watch Series Testimonials We thank you for your ministry "My husband and I have greatly benefited from the Debt Reduction CDs and DVDs for Businesses and Individuals. We thank you for your ministry and the impact it has had on our lives, our family, and the people around us. We would like to make monthly donations to Copland Financial Ministries." Anonymous See More Testimonials About the Author and Founder Tom Copland is a servant of the Lord Jesus Christ who has been called to teach God’s Word on finances since 1982. Tom is the founder and president of Copland Financial Ministries and the author of his book Financial Management God’s Way including many other CDs and DVDs. Tom is also a Chartered Professional Accountant (CPA, CA) who operates his own public accounting practice in Toronto, Canada (www.copland-ca.com ). About Author

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

Your Biblical advice has made a huge difference in our finances over the past couple of years. Thanks again. Back to Testimonials Biblical Advice Your Biblical advice has made a huge difference in our finances over the past couple of years. Thanks again. L.T. Oxbow, SK, Canada Previous Next

“By his very nature, God is the God of hope: “May the God of hope fill you with all joy and peace as you trust in Him, so that you may overflow with joy by the power of the Holy Spirit” (Rom. 15:13). Do you have God’s peace and joy in regard to your finances? If not, then you’re probably not in God’s will. Back to Freedom from Financial Anxiety Yes, There is Hope for your Financial Mess! By: Tom Copland June 15, 2020 “By his very nature, God is the God of hope: “May the God of hope fill you with all joy and peace as you trust in Him, so that you may overflow with joy by the power of the Holy Spirit” (Rom. 15:13). Do you have God’s peace and joy in regard to your finances? If not, then you’re probably not in God’s will. Regardless of how difficult your financial problems are, God, with his “incomparably great power” (Eph. 1:19), is able to solve any financial mess. It is true that God may not relieve financial pressures quickly, but it is certainly within God’s power to sustain you and carry you through any stresses or anxieties resulting from financial difficulties. If you’re in financial difficulty, then I recommend the following: Pray—There’s no substitute for spending quality time with God. It is through his Holy Spirit and his Word that he will provide you with his direction for your life. Jesus said, “My sheep listen to my voice; I know them and they follow me” (John 10:27). Meditate on God’s Word—Sixteen of the 24 parables that Jesus gave us to deal with money and material things. God’s Word, the Bible, is filled with God’s wisdom on finances, which is frequently contrary to the world’s wisdom. For example, the emphasis in Scripture is toward minimal debt or no debt as opposed to the emphasis in the world, which is to buy now and pay later or use other people’s money. In our society, getting into debt is very easy, and as a result, many people have overcommitted themselves in their financial obligations. Develop a Plan, That is, a Budget—This will help you ensure that you are spending less than you are earning on a monthly basis. Use the surplus to pay down debt and save for future needs. Planning is biblical. For instance, in his example of building a tower, Jesus said, in substance, that if you don’t plan ahead, then you are foolish (Luke 14:28–30). Don’t Give up!—When someone is in financial difficulty, generally, it takes a few years to really get the financial house in order. However, significant changes can be made in just a few months. Even if finance is not your area of expertise, God has promised that he will provide what we need. Jesus said, “My grace is sufficient for you, for my strength is made perfect in weakness” (2 Cor. 12:9, NKJV). Previous Article Next Article More Topics Co-Signing/Surety Read More Investing Read More Priorities Read More

It is clear from Scripture that God is indeed in control. If God is in control, then why does he allow Christians to have significant financial problems? Over the past 23 years, I’ve had the privilege of counselling hundreds of Christian couples and individuals. Back to Freedom from Financial Anxiety Why Does God Allow Financial Problems? By: Tom Copland June 15, 2020 It is clear from Scripture that God is indeed in control. If God is in control, then why does he allow Christians to have significant financial problems? Over the past 23 years, I’ve had the privilege of counselling hundreds of Christian couples and individuals. One common reason for financial problems is that the people have unknowingly violated one or more of God’s financial principles. I believe there is no substitute for understanding the fundamentals of what God has taught in his Word regarding finances. I recommend the materials and Bible studies provided by Crown Financial Ministries as an excellent resource for understanding what God has to say about finances. On the other hand, some Christians have financial problems through no fault of their own. They have followed God’s principles, but they still have financial problems. Why? I believe that the most common reason would be found in John 15, where Jesus said, “I am the true vine, and my Father is the gardener. He cuts off every branch in me that bears no fruit, while every branch that does bear fruit he prunes so that it will be even more fruitful.” (John 15:1, 2, emphasis added) In the same way that a gardener prunes a vine, God prunes his children by way of trials (including financial trials) so that we will depend on God more and remain connected to the Lord on an ongoing basis, for the purpose of bearing more spiritual fruit. Jesus said, “ I am the vine; you are the branches. If a man remains in me and I in him, he will bear much fruit; apart from me, you can do nothing” (John 15:5). Regardless of how difficult or insurmountable, our financial problems are, we know that God can solve them—either very quickly or slowly. He is in control. He is the all-powerful, everywhere-present, and all-knowing God. We also know that God loves us unconditionally (Rom. 8:38, 39). God has a purpose for any trial in the believer’s life, and God will bring some good out of every hardship. Romans 8: 28, 29 states, And we know that in all things God works for the good of those who love him, who have been called according to his purpose. For those God foreknew he also predestined to be conformed to the likeness of his Son, that he might be the firstborn among many brothers. In short, because God is in control, and because he loves us unconditionally, we know with confidence that we can trust him to allow only those financial trials that are within his will. We can also trust him to provide the wisdom, direction, and strength that we need to endure any financial trial that God allows. Previous Article Next Article More Topics Co-Signing/Surety Read More Investing Read More Priorities Read More

Many people believe the deception that money will bring happiness. Although additional income can relieve some financial pressures (if the individual or couple manage their money well), money in and of itself does not bring happiness. Money will definitely not provide joy and peace, which only comes from God. Back to Financial Deceptions If I Had More Money, I Would Be Happy By: Tom Copland June 15, 2020 Many people believe the deception that money will bring happiness. Although additional income can relieve some financial pressures (if the individual or couple manage their money well), money in and of itself does not bring happiness. Money will definitely not provide joy and peace, which only comes from God. Ecclesiastes 5:10 states, “Whoever loves money never has money enough; whoever loves wealth is never satisfied with his income. This too is meaningless.” Over the years, I’ve seen many couples with significant amounts of wealth who have no peace and joy. I think of one couple who started with nothing and accumulated about $40 million worth of assets. However, their unhappiness was evident to anyone who knew them. They were always arguing with each other and with their kids and employees, and they appeared “stressed out” all the time. Certainly, there was no “peace of God, which transcends all understanding” (Philippians 4:7). Only God, through his Holy Spirit, can bring true peace and happiness. Jesus said: “But the Counselor, the Holy Spirit, whom the Father will send in my name, will teach you all things and will remind you of everything I have said to you. Peace I leave with you; my peace I give you. I do not give to you as the world gives. Do not let your hearts be troubled and do not be afraid” (John 14:26, 27, emphasis added). There are many people in North America who have significant amounts of wealth yet are frustrated, angry, weary, and unhappy. Frankly, some are even Christians who are not experiencing God’s joy and peace. Remember that “the fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, and self-control. Against such things, there is no law (Galatians 5:22, 23, emphasis added). Jesus provides an invitation to everyone who is weary and burdened: “Come to me, all you who are weary and burdened, and I will give you rest. Take my yoke upon you and learn from me, for I am gentle and humble in heart, and you will find rest for your souls. For my yoke is easy and my burden is light” (Matthew 11:28–30, emphasis added). In summary, based upon God’s Word and 30 years’ experience of working with some very wealthy people, I’m convinced that the key to happiness is not more money but rather a close personal relationship with God. In the 15th chapter of John, Jesus called this “abiding,” which means to be connected to and in communication with God on an ongoing basis. For more information on “abiding in Christ,” I recommend the book titled Secrets of the Vine by Dr. Bruce Wilkinson (Multnomah Publishers, 2001). Previous Article Next Article More Topics The Joseph Principle Read More Co-Signing/Surety Read More Freedom from Financial Anxiety Read More

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.” Back to Counsel & Wisdom From Godly Financial Advisers By: Tom Copland June 15, 2020 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.” Unfortunately, sometimes Christians refuse to seek counsel because of pride. Proverbs 13:10 states, “Pride only breeds quarrels, but wisdom is found in those who take advice. Proverbs 11:2 states, “When pride comes, then comes disgrace, but with humility comes wisdom.” Nevertheless, God indicates that your probability of success is greater with many advisers. Proverbs 24:6 states, “For waging war you need guidance, and for victory many advisers.” God recommends that we obtain biblical counsel from godly financial advisers. The man without the Spirit does not accept the things that come from the Spirit of God, for they are foolishness to him, and he cannot understand them because they are spiritually discerned. The spiritual man makes judgments about all things, but he himself is not subject to any man’s judgment. (1 Corinthians 2:14, 15) Blessed is the man who does not walk in the counsel of the wicked. (Psalm 1:1) I have met some non-Christian financial advisers who do give good practical advice. However, if you want advice from a biblical perspective, which I believe is God’s will for every Christian, then you can get godly advice only from a godly financial adviser. For example, a nonbeliever is simply not going to understand the desire in the believer’s heart for giving a significant portion of one’s income to God’s work. The believer has an eternal perspective, wanting to build up “treasures in heaven” rather than “treasures on earth.” (Matthew 6:19–21) In addition, a godly adviser would counsel you to use minimal debt (Proverbs 22:7), while many worldly advisers would encourage the use of a lot of debt, based on the belief that “smart people use other people’s money” or “buy now and pay later.” Therefore, before making any major financial decision, I recommend that you seek the advice of two or three godly financial 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 financial principles (Psalm 111:10), has a close personal relationship with God (John 15), has the necessary practical financial knowledge (Proverbs 24:3, 4), and habitually puts the interests of clients first (Philippians 2:3, 4). I believe that one of your financial counsellors should be your spouse (Genesis 2:24), even if she or he has limited financial 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 financial decision. 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 the advice you have received. Proverbs 14:15 states, “A simple man believes anything, but a prudent man gives thought to his steps.” In summary, before making any major financial decision, seek counsel from two or three godly financial advisers and from your spouse. Proceed only after you and your spouse have spent considerable time in prayer, and God has given you his peace and his wisdom. Previous Article Next Article More Topics Priorities Read More Stewardship Principle Read More Debt Principles Read More

One key to obtaining God’s peace in respect of finances is to understand and fulfill your responsibilities as a steward. Stewardship requires that we acknowledge that God owns everything and that we act accordingly. Back to Freedom from Financial Anxiety Our Responsibilities and God's Promises By: Tom Copland June 15, 2020 One key to obtaining God’s peace in respect of finances is to understand and fulfill your responsibilities as a steward. Stewardship requires that we acknowledge that God owns everything and that we act accordingly. That is, we need to learn and implement God’s principles in managing the money that God has entrusted to us in accordance with his will and not our own will. (Please see my financial moment titled “Biblical Stewardship Is Temporary Management” for more information on stewardship.) Fulfilling stewardship responsibilities requires the following: 1. On a regular basis, spend quality time in prayer with God, asking God for his wisdom with respect to the money that he has entrusted to you. God has promised, “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” (James 1:5). 2. Study and meditate on God’s Word with regard to finances regularly. “Do not let this Book of the Law depart from your mouth; meditate on it day and night, so that you may be careful to do everything written in it. Then you will be prosperous and successful” (Josh. 1:8). With more than 2,000 references to money, the Bible offers plenty of wisdom from God on finances. 3. Demonstrate your faith in God by trusting God to provide for your needs and direct you according to his will. “Trust in the LORD with all your heart and lean not on your own understanding; in all your ways acknowledge him, and he will make your paths straight.” (Prov. 3: 5, 6) On the other hand, God’s responsibilities and promises include the following: 1. God has promised that he will meet our needs if we put him first: So do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the pagans run after all these things, and your heavenly Father knows that you need them. But seek first his kingdom and his righteousness, and all these things will be given to you as well.” (Matt. 6: 31–33) Please note that God has promised to meet our needs, not necessarily our wants and desires. 2. God has promised to direct us—including our financial decisions—according to his will: “I will instruct you and teach you in the way you should go; I will counsel you and watch over you.” (Ps. 32:8) In summary, as a steward, it is important to focus on God, his Word, and his will. If you fulfill your responsibilities, then, regardless of your financial circumstances, you can know for certain that God will fulfill his promises and you will have God’s peace in regard to your finances. Jesus said, “ Peace I leave with you; my peace I give you. I do not give to you as the world gives. Do not let your hearts be troubled and do not be afraid” (John 14:27). Previous Article Next Article More Topics Co-Signing/Surety Read More Investing Read More Priorities Read More

Your ministry is a blessing to me & my family. I am very appreciative of your 'all wise' emails. DM, Chester Basin, Nova Scotia Canada. Back to Testimonials Your ministry is a blessing to me Your ministry is a blessing to me & my family. I am very appreciative of your 'all wise' emails. DM Chester Basin, Nova Scotia Canada. Previous Next

I have been ‘debt-free’ for a few years. The joy of being debt-free is tremendous. The funds I saved enabled me to go for a few mission trips and to support other missions. I still receive your financial moments which are very helpful…and still tracking my budget using your template. I am also able to go to school for my. God always met my needs, I never have to worry about my school fees…it always showed up when I need to pay a course. Thank you for your teaching and I will continue to pray for your/God’s financial ministries. Back to Testimonials The joy of being debt-free is tremendous I have been ‘debt-free’ for a few years. The joy of being debt-free is tremendous. The funds I saved enabled me to go for a few mission trips and to support other missions. I still receive your financial moments which are very helpful…and still tracking my budget using your template. I am also able to go to school for my. God always met my needs, I never have to worry about my school fees…it always showed up when I need to pay a course. Thank you for your teaching and I will continue to pray for your/God’s financial ministries. Anonymous Previous Next

I sincerely thank you (Copland Financial Ministries) for hosting these wonderful sessions on Financial Management God's Way. It really pushed me to pay off my mortgage sooner than later, and I'm forever grateful! Thank you for taking the time to chat with me after our session. I value your insights, along with the tips you gave me. Back to Testimonials It pushed me to pay off my mortgage I sincerely thank you (Copland Financial Ministries) for hosting these wonderful sessions on Financial Management God's Way. It really pushed me to pay off my mortgage sooner than later, and I'm forever grateful! Thank you for taking the time to chat with me after our session. I value your insights, along with the tips you gave me. Praise the Lord for His generous provisions, who enabled me to pay off that mortgage! I'm so glad I'm mortgage-free. What a relief it is! I went to church to thank the Lord for getting me out of mortgage debt. To Him, I give all the glory for what He made happen for me. With your godly counsel, I plan to stay free of debt and hope to build wealth so I can do some philanthropic work. Thank you for agreeing and believing it with me. S.P. Toronto, ON, Canada Previous Next