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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 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

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

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

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

Over the past 28 years, I have had the privilege of working with 300 to 400 business people. In my experience, generally when they invest in something that they understand, and within biblical principles, they earn a profit. However, when they invest in something that they don’t understand, frequently they lose money. Ensure that you Understand the Investment Back to Investing By: Tom Copland October 19, 2021 Over the past 28 years, I have had the privilege of working with 300 to 400 business people. In my experience, generally when they invest in something that they understand, and within biblical principles, they earn a profit. However, when they invest in something that they don’t understand, frequently they lose money. God warns us of this in Proverbs 19:2: “It is not good to have zeal without knowledge, nor to be hasty and miss the way.” As applied to investing, this proverb warns us that it is not good to be excited about a particular investment without having a thorough knowledge and understanding of it. If you have been asked to commit to an investment without having sufficient time to obtain an understanding of it and to pray about it, then I strongly recommend that you not invest. Whether you plan to build a house, an investment portfolio, or a retirement fund, God’s Word emphasizes the importance of understanding, wisdom, and knowledge. By wisdom, a house is built, and through understanding, it is established; through knowledge, its rooms are filled with rare and beautiful treasures. (Proverbs 24:3, 4) In my view, the level of knowledge that you need to obtain before acquiring a particular investment is to understand the nature of the investment, what has to occur for the investment to be profitable, and what could occur that would make the investment a loser. Historical returns and historical volatility are helpful. However, they provide no guarantee of future returns. For example, in regard to a mutual fund, you need to understand the objective of the fund, the track record of the fund manager, and have knowledge and understanding of the 10 largest holdings within that fund. Knowledge and understanding of the markets in general as well as the economy, on a “macro basis,” is important as well. Generally speaking, the more you understand about a particular investment and the more experience that you have, the better. However, remember that on average only about 15 percent of all professional money managers beat the relevant index, notwithstanding their extensive knowledge of the stocks in their portfolio. The truth is, the best investment today depends on what happens in the future. Since no human can consistently predict the direction of any stock or any market (James 4:13–15), it is critical to rely on God, who is the key source of wisdom and understanding. The fear of the LORD is the beginning of wisdom; all who follow his precepts have a good understanding. (Psalm 111:10) In other words, as you consider a particular investment and develop your investment strategy, you must “follow God’s precepts,” which requires that you understand and apply God’s investment principles. Clearly, if you do not understand God’s investment principles, you won’t apply them. Secondly, you need to acknowledge that only God knows the future (Isaiah 46:9, 10), and therefore only God knows which investments will do well. Therefore, in prayer, ask God to 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 shall direct your paths. (Proverbs 3:5, 6 NKJV) Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More

I love listening to your radio show on Faith FM 99.9 London. Your heart for ministry and our Lord is most appreciated; a real person ministering to real people, with real solutions drawn from the word of God. Thanks for your ministry. It's always an encouragement. Back to Testimonials Financial Moment Listener I love listening to your radio show on Faith FM 99.9 London. Your heart for ministry and our Lord is most appreciated; a real person ministering to real people, with real solutions drawn from the word of God. Thanks for your ministry. It's always an encouragement. C.A. London, ON, Canada Previous Next

Thank-you for leading our finance course! It has helped convict my heart to make some practical changes. The difference between this course and the other course Jamie and I did 8-9 years ago is the infusion of God's word into the curriculum. It's neat having my Bible beside me while I'm working through the case studies. So, thank you both (and Tom Copland) for providing such a strong Biblical foundation to what we are learning. I'm finding not only is my mind (and pocket-book) being challenged, but my heart is as well. I feel God is challenging my thinking on faith and trust in Him as well. Back to Testimonials It has helped convict my heart Thank-you for leading our finance course! It has helped convict my heart to make some practical changes. The difference between this course and the other course Jamie and I did 8-9 years ago is the infusion of God's word into the curriculum. It's neat having my Bible beside me while I'm working through the case studies. So, thank you both (and Tom Copland) for providing such a strong Biblical foundation to what we are learning. I'm finding not only is my mind (and pocket-book) being challenged, but my heart is as well. I feel God is challenging my thinking on faith and trust in Him as well. T.N. Calgary, AB Previous Next

Explore engaging Radio Interviews with finance experts across Barrie, Calgary, and more. Discover insights from top Radio Interviews now! Radio Interviews 100.3 Barrie, Ontario Life 100.3 Calgary, Alberta AM 700 The Light AM 700 Calgary, Alberta AM 700 The Light WDCX Buffalo, NY, USA WDCX Radio Harvesters FM Halifax, Nova Scotia Harvesters FM 98.1 CKVM Lethbridge, Alberta 98.1 CKVM

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

When dealing with an important financial decision, it is critical to obtain counsel from God. Why? “To God belong wisdom and power; counsel and understanding are his.” (Job 12:13) Back to Counsel & Wisdom From God By: Tom Copland June 15, 2020 When dealing with an important financial decision, it is critical to obtain counsel from God. Why? “To God belong wisdom and power; counsel and understanding are his.” (Job 12:13) Too often we believe that we have to figure things out on our own, but this is not God’s will. God wants us to seek his counsel on any important decision: “But Jehoshaphat also said to the king of Israel, ‘First seek the counsel of the LORD’” (1 Kings 22:5). Isaiah described God as “wonderful in counsel and magnificent in wisdom” (Isaiah 28:29). God’s wisdom will be invaluable in making any financial decision. “The LORD gave Solomon wisdom, just as he had promised him.” (1 Kings 5:12) Similarly, today God will provide his wisdom 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.” If you want true financial wisdom, the starting point is to have the utmost respect for God—that is “the fear of God.” Proverbs 9:10 states, “The fear of the LORD is the beginning of wisdom, and knowledge of the Holy One is understanding.” If you do not have a personal relationship with God (“knowledge of the holy one”), you will never be able to access true financial wisdom. If you do have a personal relationship with God (Revelation 3:20), it is critical that you study God’s Word for his financial principles and spend quality time with God in prayer listening to his voice. God instructed Job, “Listen to me, be silent, and I will teach you wisdom” (Job 33:33). Jesus said, “My sheep listen to my voice; I know them, and they follow me” (John 10:27). Many times God will speak to us by providing verses from his Word that clearly indicate his wisdom and his direction in a particular situation. For example, God’s admonition to plan ahead (Luke 14:28–30), the dangers of debt (Proverbs 22:7), and the importance of giving to God’s work (Proverbs 3:9, 10) can all provide specific direction in certain situations. However, sometimes there are no verses that specifically apply to your financial decision. Then the only option is to spend quality time with God in prayer, seeking God’s wisdom and direction. God has promised that he will direct us (Psalm 32:8) and provide his wisdom (James 1:5). A committed Christian who has a close personal relationship with God and who spends quality time with God on a regular basis can hear God’s gentle whisper (1 Kings 19:12) and discern God’s will for his life. Whenever I am faced with any important decision, I spend quality time with the Lord, seeking God’s wisdom and direction. I use a spiritual journal to document my prayer requests and what I believe the Lord is saying to me. Specifically, I ask God to speak to my heart and mind and protect me from the enemy and my own selfish desires. I regularly review my journal, and if there is consistency in terms of what God has been saying to me, in faith I accept that as being God’s will for my life and act accordingly. When I have listened and implemented God’s wisdom and God’s specific direction in any financial decision, history has shown that it was the best decision. In summary, whenever you face an important financial decision, you need to “first seek the counsel of the Lord” through prayer and listen to God’s directive for you. God has promised that he will provide his wisdom and his direction to us when we sincerely seek to do his will. Previous Article Next Article More Topics Priorities Read More Stewardship Principle Read More Debt Principles Read More