Thank you personally for the teaching which was very transformative. Back to Testimonials Financial Management God's Way for Women I was in the seminar yesterday [Financial Management God's Way for Women] and would like to thank you personally for the teaching which was very transformative. IA Toronto, Canada Previous Next

People are still commenting about the significant blessing your seminar series “Handling Money God’s Way” was. We had over 200 individuals sign up for this – and about one-third of those were from outside our church – praise God!! In one session, you shared how to have a personal relationship with Christ and we offered new testaments to anyone who wanted one, and over 30 people took one. Back to Testimonials God's Word on finances more effectively People are still commenting about the significant blessing your seminar series “Handling Money God’s Way” was. We had over 200 individuals sign up for this – and about one-third of those were from outside our church – praise God!! In one session, you shared how to have a personal relationship with Christ and we offered new testaments to anyone who wanted one, and over 30 people took one. I have been using your resources with couples who ask me to marry them….This has been such a blessing to know that couples are being prepared for marriage in such a biblical and practical way. Tom, we are very grateful for the way you have served, by equipping, that is enabling us to teach God’s Word on finances more effectively. Anonymous Previous Next

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 14, 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

God had me take your Zoom class right on time. This was a big debt and because of what I learned in your classes concerning the Word of God I decided not to take any offers to pay less of my debt but instead I desired to pay it all. I could not have actually done so without God helping me each step each day each week each month. Back to Testimonials GLORY TO GOD IN THE HIGHEST!!!!!!! Hello Tom . It is with a heart of praise and thanksgiving to God that I write you this night. I paid off a roughly $5000+ creditor account today!!!!!! GLORY TO GOD IN THE HIGHEST!!!!!!! Truly the Lord has helped me so so so so so so much and has been merciful towards me. I began paying $500 biweekly since October 2021. God had me take your Zoom class right on time. This was a big debt and because of what I learned in your classes concerning the Word of God I decided not to take any offers to pay less of my debt but instead I desired to pay it all. I could not have actually done so without God helping me each step each day each week each month. I currently have several other loans that I am now going to begin paying off. PRAISE GOD, Tom! Your ministry has been a great blessing to me and your email responses helped me avoid taking another loan of about 40% interest just to pay off the other debt. …I need to thank you and those who labour with you in your ministry. NF Brampton ON, Canada Previous Next

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

In Ecclesiastes 11:1–6, God recommends the assumption of a reasonable amount of risk within your investment portfolio. Assess your Tolerance for Risk and Invest Accordingly Back to Investing By: Tom Copland October 19, 2021 In Ecclesiastes 11:1–6, God recommends the assumption of a reasonable amount of risk within your investment portfolio. “Cast your bread upon the waters, for after many days you will find it again” was a metaphorical expression used in the grain trade that illustrated the potential successful prospects of a business investment. God instructs the farmer, who is also an investor, to “sow your seed in the morning, and at evening let not your hands be idle, for you do not know which will succeed, whether this or that, or whether both will do equally well.” In addition, over-cautiousness is discouraged——“Whoever watches the wind will not plant; whoever looks at the clouds will not reap.” In Proverbs 31:10–31 the “wife of noble character” is involved in several equity-type investments. For example, in verse 16, “she considers the field and buys it; out of her earnings she plants a vineyard.” There are many other examples of investors in the Bible, such as the servants in the parable of the talents (Mathew 25) and Solomon and Job. In short, it is biblical to assume some investment risk. However, God demonstrates how to minimize your risk by diversifying your investments into seven or eight different categories, because you do not know what disaster may come upon any particular company or sector of the market (Ecclesiastes 11:2.) See my two financial moments on biblical diversification for further details. On “a macro basis,” the risk of any portfolio is generally reflected by its allocation between equities and safe investments such as Canada bonds/GICs, etc. The appropriate amount of investment risk that a Christian should assume will depend upon numerous factors, such as your age, when you will need the money, and your tolerance for risk. Assessing your tolerance for risk can be difficult. Generally, it is necessary to experience some good and bad markets before you will really understand your own personal risk tolerance. Certainly, if your present portfolio allocation is too volatile (i.e., the fluctuations cause you to be anxious) then reduce equities and increase short-term government of Canada bonds. In his book, Sound Mind Investing, Austin Pryor has an excellent questionnaire that can help you assess your tolerance for risk. (See soundmindinvesting.com.) Based on God’s investment principles, it is not appropriate for a Christian to be overly cautious (which may reflect a mindset of fear); nor is it appropriate for a Christian to be too aggressive (which often reflects an attitude of greed). Both extremes are outside of God’s will. Under normal market and economic conditions, generally, a conservative investor should have at least 20 percent in equities, while an investor with a high tolerance for risk, should not go beyond 80 percent. The average person may feel comfortable with an allocation of approximately 50% in equities. The types of equity investments within your portfolio (i.e., “blue-chip stocks” as opposed to “speculative stocks”) will also affect the level of risk you are assuming. In all cases, I strongly recommend that no debt be used for investments because God’s Word strongly discourages the use of debt (Proverbs 22:7). In summary, depending on God’s wisdom (James 1:5), assess your tolerance for risk and invest the money that God has entrusted to you [1 Corinthians 4: 2], according to his principles [Psalms 119:24] and his specific will [Psalms 25:12]. Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More

I have learned how to manage my finance according Biblical Principles . It has been an eye open experience for me. Back to Testimonials Thank you Copland Financial Ministries I would like to Thank Copland Financial Ministries, Tom Copland and Randy Ziegenhagel for this amazing teaching on Financial Management God’s Way for Women. I have learned how to manage my finance according Biblical Principles . It has been an eye open experience for me. R.G. Previous Next

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

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

Thank you Tom for your faithfulness in teaching through God's word, and many hours on your own time, for our benefit and God's call. It has been great and very much appreciated by me and I am sending a donation for your ministry, by mail today. I will continue to pray for your ministry, too. Thank you again for all you do. Back to Testimonials Thank you Tom for your faithfulness Thank you Tom for your faithfulness in teaching through God's word, and many hours on your own time, for our benefit and God's call. It has been great and very much appreciated by me and I am sending a donation for your ministry, by mail today. I will continue to pray for your ministry, too. Thank you again for all you do. L.M. Stouffville, ON, Canada Previous Next

A man was in the depths of despair and psyched himself to drive his car into the water to commit suicide. He said the only station that would come in was CJLU 93.9. He specifically heard Tom Copland and decided against killing himself. He gave his life to Christ and has been a Christian now for a year and a half. He talked about the Bibles he has been giving out to people and how he now attends a local church. He called the station this week to share his testimony. Thank you for airing Financial Moments on Harvesters FM. God bless you. Back to Testimonials A man was in the depths of despair A man was in the depths of despair and psyched himself to drive his car into the water to commit suicide. He said the only station that would come in was CJLU 93.9. He specifically heard Tom Copland and decided against killing himself. He gave his life to Christ and has been a Christian now for a year and a half. He talked about the Bibles he has been giving out to people and how he now attends a local church. He called the station this week to share his testimony. Thank you for airing Financial Moments on Harvesters FM. God bless you. J.L. (Radio Host) Eastern Canada Previous Next

Tom you are without a doubt one of the most humble people I have ever had the privilege to listen to. That has to be the reason why the Holy Spirit draws so many people to your teachings, He is your partner. Have a great evening. God Bless. Back to Testimonials Thank You Tom and God Bless You. I keep you in my Prayers Tom you are without a doubt one of the most humble people I have ever had the privilege to listen to. That has to be the reason why the Holy Spirit draws so many people to your teachings, He is your partner. Have a great evening. God Bless. D.W.P. Shawville Québec, Canada Previous Next