Brian MumbertEvery podcast appearance, updated as new ones drop

What if the companies in your portfolio are working against the values you’re trying to live by? For Christians, investing is about more than pursuing financial returns. Like every other financial decision, investing can be viewed through the lens of stewardship—asking not only, “How is my money growing?” but also, “What is my money supporting?” Faith-based investing seeks to bring those questions together. Brian Mumbert, president of Timothy Plan, joined the show today to explain how faith-based investing works, what research suggests about performance, and how Christians can begin aligning their portfolios w...

What if the companies in your portfolio are working against the values you’re trying to live by? For Christians, investing is about more than pursuing financial returns. Like every other financial decision, investing can be viewed through the lens of stewardship—asking not only, “How is my money growing?” but also, “What is my money supporting?” Faith-based investing seeks to bring those questions together. Brian Mumbert, president of Timothy Plan, joined the show today to explain how faith-based investing works, what research suggests about performance, and how Christians can begin aligning their portfolios w...

Faith-based investing has been around for decades, yet many investors still wrestle with an important question: Does aligning your investments with your values mean sacrificing performance or diversification? As more people seek to steward their resources in ways that reflect their convictions, it’s worth taking a closer look at what faith-based investing really is—and what it isn’t. On today’s show, Brian Mumbert, President of Timothy Plan —a pioneer in faith-based mutual funds—joined us to help clear up some of the most common misconceptions and offered a clearer picture of how values-driven investing really works. What Is Faith-Based Investing? At its core, faith-based investing seeks to align financial decisions with biblical values. This often involves screening out companies whose practices conflict with those convictions while still pursuing wise, disciplined investment strategies. Despite its growing popularity, several misconceptions persist. Misconception #1: “Faith-Based Funds Always Cost More” One common assumption is that filtering companies based on values automatically leads to higher fees. In reality, faith-based funds are managed much like traditional mutual funds. They involve professional research, portfolio management, and strategic allocation. In many cases, expense ratios are comparable—especially with the availability of lower-cost options like ETFs. That said, there may be instances where costs are slightly higher. But as Brian Mumbert noted, many investors are willing to pay slightly more to ensure their investments reflect what they truly value. Misconception #2: “You Have to Sacrifice Performance” Another concern is that prioritizing values means settling for weaker returns. But values-based screening doesn’t replace sound investment analysis—it works alongside it. Professional managers still evaluate fundamentals, risks, and long-term opportunities. In fact, many faith-based funds have demonstrated competitive performance over time, and in some cases, have even outperformed their unscreened counterparts. As Mumbert explained, the goal is to combine wise stewardship with disciplined investing—not to choose between them. Misconception #3: “It Doesn’t Really Make an Impact” Some critics argue that faith-based investing lacks real-world impact since most stock transactions occur on the secondary market. While it’s true that buying and selling shares doesn’t directly fund companies in the same way as an initial public offering, investing still represents ownership—and ownership matters. Mumbert pointed out that shareholders have a voice. They can vote proxies, engage with companies, and choose not to profit from industries that conflict with their convictions. For many believers, that’s a meaningful form of stewardship. Misconception #4: “Screening Limits Diversification” A final concern is that excluding certain companies will significantly narrow investment options. In practice, even strict faith-based screens still leave a vast majority of the investable universe available—often around 90%. That means investors can still achieve broad diversification across sectors and asset classes while remaining aligned with their values. A Better Way to Think About Investing Faith-based investing isn’t about making a symbolic statement or checking a box. It’s about recognizing that every financial decision reflects what we value—and choosing to steward those decisions intentionally. It invites us to ask a deeper question: What does faithfulness look like in the way I invest what God has entrusted to me? You don’t have to choose between conviction and competence. Faith-based investing offers a way to pursue both—aligning your portfolio with your belief

Faith-based investing has been around for decades, yet many investors still wrestle with an important question: Does aligning your investments with your values mean sacrificing performance or diversification? As more people seek to steward their resources in ways that reflect their convictions, it’s worth taking a closer look at what faith-based investing really is—and what it isn’t. On today’s show, Brian Mumbert, President of Timothy Plan —a pioneer in faith-based mutual funds—joined us to help clear up some of the most common misconceptions and offered a clearer picture of how values-driven investing really works. What Is Faith-Based Investing? At its core, faith-based investing seeks to align financial decisions with biblical values. This often involves screening out companies whose practices conflict with those convictions while still pursuing wise, disciplined investment strategies. Despite its growing popularity, several misconceptions persist. Misconception #1: “Faith-Based Funds Always Cost More” One common assumption is that filtering companies based on values automatically leads to higher fees. In reality, faith-based funds are managed much like traditional mutual funds. They involve professional research, portfolio management, and strategic allocation. In many cases, expense ratios are comparable—especially with the availability of lower-cost options like ETFs. That said, there may be instances where costs are slightly higher. But as Brian Mumbert noted, many investors are willing to pay slightly more to ensure their investments reflect what they truly value. Misconception #2: “You Have to Sacrifice Performance” Another concern is that prioritizing values means settling for weaker returns. But values-based screening doesn’t replace sound investment analysis—it works alongside it. Professional managers still evaluate fundamentals, risks, and long-term opportunities. In fact, many faith-based funds have demonstrated competitive performance over time, and in some cases, have even outperformed their unscreened counterparts. As Mumbert explained, the goal is to combine wise stewardship with disciplined investing—not to choose between them. Misconception #3: “It Doesn’t Really Make an Impact” Some critics argue that faith-based investing lacks real-world impact since most stock transactions occur on the secondary market. While it’s true that buying and selling shares doesn’t directly fund companies in the same way as an initial public offering, investing still represents ownership—and ownership matters. Mumbert pointed out that shareholders have a voice. They can vote proxies, engage with companies, and choose not to profit from industries that conflict with their convictions. For many believers, that’s a meaningful form of stewardship. Misconception #4: “Screening Limits Diversification” A final concern is that excluding certain companies will significantly narrow investment options. In practice, even strict faith-based screens still leave a vast majority of the investable universe available—often around 90%. That means investors can still achieve broad diversification across sectors and asset classes while remaining aligned with their values. A Better Way to Think About Investing Faith-based investing isn’t about making a symbolic statement or checking a box. It’s about recognizing that every financial decision reflects what we value—and choosing to steward those decisions intentionally. It invites us to ask a deeper question: What does faithfulness look like in the way I invest what God has entrusted to me? You don’t have to choose between conviction and competence. Faith-based investing offers a way to pursue both—aligning your portfolio with your belief

Faith-based investing has expanded dramatically in recent decades. What began as a niche concept—often misunderstood or difficult to implement—has grown into a global movement driven by conviction, transparency, and a renewed understanding of stewardship. Today, new tools are opening fresh doors for Christians who want their investing to reflect biblical values. Among the most discussed innovations are exchange-traded funds (ETFs), which offer investors greater flexibility and access. To explore the growing opportunity, we spoke with Brian Mumbert, President of Timothy Plan and a long-time pioneer in Faith-Based Investing. From Idea to Movement: The Story Behind Timothy Plan Before ETFs and portfolio screens were commonplace, Timothy Plan helped shape the language and frameworks believers use today to think about investing. “Back in the early 90s, Timothy Plan was really just an idea,” Mumbert recalls. “In 1994, that idea became a mutual fund aimed to serve non-denominational pastors. Our very first slogan asked, ‘How much is okay to invest in abortion or pornography?’ And the answer is simple—none.” The motivation wasn’t merely strategic—it was theological. It pushed Christians to wrestle with a deeper question: If God owns it all, how would He want us to invest what He has entrusted to us? Over time, what began as a single fund evolved into a broader conversation about alignment between faith, stewardship, and financial markets. Three decades later, Mumbert describes Faith-Based Investing not merely as a strategy, but as a movement—one that begins “with the heart” and calls believers to steward God’s resources rather than treat them as their own. What’s Driving the Momentum Today? While conviction hasn’t changed, the landscape around investing has. Mumbert points to one factor in particular: information. “When we started, it was incredibly hard to access meaningful information about companies—what they owned, where they profited, or whether their business practices aligned with biblical values,” he explains. Today, the opposite is true. Digital media, public disclosures, and social platforms constantly reveal what companies support and how they operate. That transparency has awakened discernment. Investors are asking new questions: What am I participating in? What am I profiting from? Is there a better alternative? With more options now available—across asset classes and risk profiles—momentum continues to build. ETFs Explained: Why They’re Attracting Faith-Based Investors Among the fastest-growing vehicles in the investing world are ETFs—exchange-traded funds. For those less familiar, Mumbert offers a simple explanation: “ETFs hold a basket of investments and trade throughout the day like a stock. They generally offer lower fees, greater transparency, and the ability to buy or sell at any point during the trading day.” Mutual funds remain a valuable entry point for many investors, but ETFs introduce distinctive advantages: Lower average costs Passive, rules-based strategies Real-time liquidity Full disclosure of holdings Ease of access across platforms And most importantly for Faith-Based Investing, greater transparency reinforces values alignment. What Sets Timothy Plan’s ETFs Apart? While the vehicle may be new, the convictions behind Timothy Plan’s offerings remain unchanged. “Every Timothy Plan product is pro-life and pro-family,” Mumbert emphasizes. “Our ETFs are screened and filtered the same way as our mutual funds. The convictions haven’t changed—just the investment vehicle.” Timothy Plan also employs volatility-weighted strategies designed to prevent oversized company

Faith-based investing has expanded dramatically in recent decades. What began as a niche concept—often misunderstood or difficult to implement—has grown into a global movement driven by conviction, transparency, and a renewed understanding of stewardship. Today, new tools are opening fresh doors for Christians who want their investing to reflect biblical values. Among the most discussed innovations are exchange-traded funds (ETFs), which offer investors greater flexibility and access. To explore the growing opportunity, we spoke with Brian Mumbert, President of Timothy Plan and a long-time pioneer in Faith-Based Investing. From Idea to Movement: The Story Behind Timothy Plan Before ETFs and portfolio screens were commonplace, Timothy Plan helped shape the language and frameworks believers use today to think about investing. “Back in the early 90s, Timothy Plan was really just an idea,” Mumbert recalls. “In 1994, that idea became a mutual fund aimed to serve non-denominational pastors. Our very first slogan asked, ‘How much is okay to invest in abortion or pornography?’ And the answer is simple—none.” The motivation wasn’t merely strategic—it was theological. It pushed Christians to wrestle with a deeper question: If God owns it all, how would He want us to invest what He has entrusted to us? Over time, what began as a single fund evolved into a broader conversation about alignment between faith, stewardship, and financial markets. Three decades later, Mumbert describes Faith-Based Investing not merely as a strategy, but as a movement—one that begins “with the heart” and calls believers to steward God’s resources rather than treat them as their own. What’s Driving the Momentum Today? While conviction hasn’t changed, the landscape around investing has. Mumbert points to one factor in particular: information. “When we started, it was incredibly hard to access meaningful information about companies—what they owned, where they profited, or whether their business practices aligned with biblical values,” he explains. Today, the opposite is true. Digital media, public disclosures, and social platforms constantly reveal what companies support and how they operate. That transparency has awakened discernment. Investors are asking new questions: What am I participating in? What am I profiting from? Is there a better alternative? With more options now available—across asset classes and risk profiles—momentum continues to build. ETFs Explained: Why They’re Attracting Faith-Based Investors Among the fastest-growing vehicles in the investing world are ETFs—exchange-traded funds. For those less familiar, Mumbert offers a simple explanation: “ETFs hold a basket of investments and trade throughout the day like a stock. They generally offer lower fees, greater transparency, and the ability to buy or sell at any point during the trading day.” Mutual funds remain a valuable entry point for many investors, but ETFs introduce distinctive advantages: Lower average costs Passive, rules-based strategies Real-time liquidity Full disclosure of holdings Ease of access across platforms And most importantly for Faith-Based Investing, greater transparency reinforces values alignment. What Sets Timothy Plan’s ETFs Apart? While the vehicle may be new, the convictions behind Timothy Plan’s offerings remain unchanged. “Every Timothy Plan product is pro-life and pro-family,” Mumbert emphasizes. “Our ETFs are screened and filtered the same way as our mutual funds. The convictions haven’t changed—just the investment vehicle.” Timothy Plan also employs volatility-weighted strategies designed to prevent oversized company

What if your investments did more than earn returns—what if they helped shape the culture for good? Today, we’ll explore how your money can not only grow but also advance God’s purposes in the world. Brian Mumbert joins us from Timothy Plan to share how faith-based investing allows believers to engage the culture with an eternal impact. Brian Mumbert is the President of Timothy Plan , an underwriter of Faith & Finance . Giving That Flows from Faith At the heart of Timothy Plan’s mission is a conviction that money is not merely a financial tool but a spiritual one. Timothy Partners, Ltd.—the advisor to Timothy Plan —tithes its profits to support ministries aligned with biblical values. Those partnerships reflect a desire to be active on the other side of Timothy Plan’s investment screens. In other words, it’s not enough to avoid investing in companies that exploit, harm, or oppose biblical principles. True stewardship involves using financial influence to protect life, defend freedom, equip biblical entrepreneurs, and strengthen families. This commitment is not theoretical—it’s deeply practical. In Central Florida, Timothy Plan partners with organizations such as Choices Women’s Clinic , the area’s largest pro-life pregnancy center, as well as House of Hope Orlando and the Orange County Jail Ministry . Nationally, their reach extends through partnerships with organizations like Movieguide and Florida Family Voice . Through the Kairos Prize , Timothy Plan helps fund aspiring Christian filmmakers with seed capital to develop their projects. Another powerful partnership is with the Nehemiah Project , which equips entrepreneurs worldwide to start and grow businesses based on biblical principles. A Legacy of Business as Ministry Timothy Plan ’s founder, Art Ally, was inspired by the legendary Christian industrialist R.G. LeTourneau, who dedicated 90% of his income to God’s work. LeTourneau often said, “I shovel out the money, and God shovels it back—but God’s got a bigger shovel.” That philosophy continues to shape Timothy Plan ’s culture. They see business as ministry, and since we are all stewards of God’s money, we want to ensure it has an eternal impact. For many investors, the idea that their portfolio could be shaping the culture might feel new. But as an investor, we really need to understand where our dollars are going. When we invest with a biblical worldview, we’re not just seeking a return—we’re influencing what gets built, produced, and promoted in our world. This approach aligns with the broader mission of Timothy Plan : to provide investment options that reflect the values of faith-driven investors and to mobilize generosity that brings light into dark places. The impact of this approach is tangible. You can see the joy on their faces and the difference these ministries are making—locally in Central Florida and across the nation. At FaithFi , we share that conviction: when you invest with purpose, your portfolio can do more than generate returns—it can help bring redemption and renewal to our culture. To learn more about biblically responsible investing and how your financial stewardship can make an eternal impact, visit TimothyPlan.com<

Israel is often in the headlines for conflict—but there’s another story you need to hear. Beyond the headlines, Israel has emerged as a global innovation hub and a rising player in international markets. Today, Brian Mumbert joins us to share why investing in Israel could be a strategic opportunity worth considering. Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan , an underwriter of Faith & Finance . Why Invest in Israel? At first glance, investing in a nation experiencing conflict may seem counterintuitive. But economies often demonstrate resilience in times of war. Israel is no exception. With robust defense spending, a thriving entrepreneurial spirit, and a deeply ingrained culture of saving and financial discipline, the nation continues to grow. In fact, one of Israel’s largest banks gave out piggy banks to families nationwide to encourage saving—a small example of the country’s ingrained culture of stewardship and fiscal responsibility. For those wondering about safety, Israel offers a surprisingly secure environment for investment. The Tel Aviv 125 Index, which tracks the nation’s 125 largest companies, operates much like the U.S. stock exchanges. Israel has transitioned from an emerging to a developed economy, putting it in the same global category as many European nations. Its GDP is forecasted to grow by 3.3% in 2025 and 4.6% in 2026, with inflation targeted at a steady 2%—numbers comparable to the U.S. outlook. The “Startup Nation” Advantage Israel’s reputation as a hub of innovation is well-earned. In 2024 alone, U.S. giants invested billions in Israeli startups. Google acquired cloud security firm Wiz for $32 billion, while Palo Alto Networks purchased CyberArk, an identity management leader, for $25 billion. Everyday technologies like Apple’s Face ID and SodaStream also trace their roots back to Israel. Large U.S. companies buying small Israeli firms is common since it’s part of the fabric of their economy. While technology dominates headlines, Israel’s economy is diverse. Financials, industrials, and defense sectors have also posted strong returns. In fact, nearly every sector reported double-digit growth in 2025. The Israeli shekel has also appreciated, further boosting investor confidence. International ties enhance Israel’s economic opportunities. The Abraham Accords have opened new trade relationships across the Middle East, while defense partnerships with Europe have surged amid global conflicts. Recent agreements, such as a $35 billion natural gas export deal with Egypt, demonstrate the nation’s expanding role in global energy markets. The Timothy Plan Israel Common Values Fund For investors who want exposure to Israel’s growth while remaining true to their faith, Timothy Plan offers the Israel Common Values Fund . This actively managed fund holds 58 companies, giving broad diversification within the Israeli market. True to Timothy Plan’s mission, the fund excludes companies that profit from abortion, pornography, or other activities inconsistent with biblical values. Even in Israel, they carefully screen companies to ensure they align with Christian principles. Faith-based investors increasingly want their portfolios to reflect their values. Advances in technology have made it easier to screen companies for alignment, though Timothy Plan has been doing it faithfully since 1994. They’re not just avoiding harmful investments, they’re enabling believers to steward their resources in ways that honor God.” Practical Advice for Investors If you’ve never seen faith-based options in your portfolio, start by talking to your advisor. Share what you’re passionate about—your church involvemen

Israel is often in the headlines for conflict—but there’s another story you need to hear. Beyond the headlines, Israel has emerged as a global innovation hub and a rising player in international markets. Today, Brian Mumbert joins us to share why investing in Israel could be a strategic opportunity worth considering. Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan , an underwriter of Faith & Finance . Why Invest in Israel? At first glance, investing in a nation experiencing conflict may seem counterintuitive. But economies often demonstrate resilience in times of war. Israel is no exception. With robust defense spending, a thriving entrepreneurial spirit, and a deeply ingrained culture of saving and financial discipline, the nation continues to grow. In fact, one of Israel’s largest banks gave out piggy banks to families nationwide to encourage saving—a small example of the country’s ingrained culture of stewardship and fiscal responsibility. For those wondering about safety, Israel offers a surprisingly secure environment for investment. The Tel Aviv 125 Index, which tracks the nation’s 125 largest companies, operates much like the U.S. stock exchanges. Israel has transitioned from an emerging to a developed economy, putting it in the same global category as many European nations. Its GDP is forecasted to grow by 3.3% in 2025 and 4.6% in 2026, with inflation targeted at a steady 2%—numbers comparable to the U.S. outlook. The “Startup Nation” Advantage Israel’s reputation as a hub of innovation is well-earned. In 2024 alone, U.S. giants invested billions in Israeli startups. Google acquired cloud security firm Wiz for $32 billion, while Palo Alto Networks purchased CyberArk, an identity management leader, for $25 billion. Everyday technologies like Apple’s Face ID and SodaStream also trace their roots back to Israel. Large U.S. companies buying small Israeli firms is common since it’s part of the fabric of their economy. While technology dominates headlines, Israel’s economy is diverse. Financials, industrials, and defense sectors have also posted strong returns. In fact, nearly every sector reported double-digit growth in 2025. The Israeli shekel has also appreciated, further boosting investor confidence. International ties enhance Israel’s economic opportunities. The Abraham Accords have opened new trade relationships across the Middle East, while defense partnerships with Europe have surged amid global conflicts. Recent agreements, such as a $35 billion natural gas export deal with Egypt, demonstrate the nation’s expanding role in global energy markets. The Timothy Plan Israel Common Values Fund For investors who want exposure to Israel’s growth while remaining true to their faith, Timothy Plan offers the Israel Common Values Fund . This actively managed fund holds 58 companies, giving broad diversification within the Israeli market. True to Timothy Plan’s mission, the fund excludes companies that profit from abortion, pornography, or other activities inconsistent with biblical values. Even in Israel, they carefully screen companies to ensure they align with Christian principles. Faith-based investors increasingly want their portfolios to reflect their values. Advances in technology have made it easier to screen companies for alignment, though Timothy Plan has been doing it faithfully since 1994. They’re not just avoiding harmful investments, they’re enabling believers to steward their resources in ways that honor God.” Practical Advice for Investors If you’ve never seen faith-based options in your portfolio, start by talking to your advisor. Share what you’re passionate about—your church involvemen

Israel is a nation often in the news but seldom for its potential as an investment. ​Israel is a tiny country but a powerhouse for investing opportunities, particularly in the tech sector. Brian Mumbert joins us today to examine Israel in a different light. Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan , an underwriter of Faith & Finance . Is It Safe to Invest in Israel? Despite frequent headlines about conflict in the Middle East, Israel stands out as a remarkably resilient nation with an entrepreneurial spirit. Israelis have a low view of debt culturally. In fact, at one point, the government even sent out piggy banks to every citizen to encourage savings and wise stewardship. That mindset—combined with a tech-forward economy—creates strong fundamentals that appeal to values-based investors. Understandably, some investors may wonder about the safety of investing in a country with frequent regional conflict. Israel is regulated just like the U.S. They have their own stock exchange—the Tel Aviv Stock Exchange—and the top 125 companies are listed on the Tel Aviv 125 index. Even during times of war, Israel’s economy continues to operate. Brian compared it to the U.S. during World War II: while volatility occurred, the Dow still gained over 50% from 1939 to 1945. A Developed Economy with Room to Grow Israel graduated from the emerging markets category to a developed economy in 2009. While this was a major step forward, it ironically resulted in less attention from global investors, since many international funds tend to favor larger developed economies like Japan or those in Europe. Still, the fundamentals are strong. Israel’s unemployment and inflation rates remain low, and the U.S. continues to be a committed ally. Israel has earned the nickname “Startup Nation” for good reason. Its high-tech sector employs 12% of the workforce and generates 20% of the country’s GDP. Many Israeli companies don’t become household names because giants like Apple, Google, and Amazon acquire them. Notable examples include: Mobileye— A leader in automotive safety tech. Waze— The crowd-sourced navigation app developed to navigate Jerusalem’s winding roads. Cherry Tomatoes— Yes, even innovations in agriculture like drip irrigation and cherry tomatoes can be traced back to Israeli ingenuity. The government’s support of tech innovation has made Israel the third-largest tech hub globally by capital raised—just behind Silicon Valley and New York. While tech leads the way, Israel’s financial sector is also strong due to the cultural avoidance of debt. This contrasts sharply with many Western nations. Innovations in agriculture (like drip irrigation) and strong export activity also contribute to Israel’s economic resilience. Over 50% of Israel’s exports are tech-related; major U.S. companies like Apple have invested heavily in Israeli startups, demonstrating the global demand for their innovations. Israel’s global relationships are improving, with normalization efforts such as the Abraham Accords expanding diplomatic and trade ties across the Middle East. Venture capital is thriving, too. Israel boasts over 270 active VC funds, and from 2014 to 2018, investment in Israeli startups grew by 140%—more than double the rate in the U.S. during the same period. The Timothy Plan’s Israel Common Values Fund Timothy Plan offers the Israel Common Values Mutual Fund for those interested in investing in Israel in a biblically responsible way. This fund stands out in several ways: Actively managed— Fund managers respond in real time t

“Give, and it will be given to you. Good measure, pressed down, shaken together, running over, will be put into your lap. For with the measure you use, it will be measured back to you.” - Luke 6:38 Jesus’ words in the Sermon on the Plain are a reminder that we should look for ways to be generous with all aspects of our finances, including investments. Brian Mumbert is here today to share some helpful ideas. Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan , an underwriter of Faith & Finance . Dispelling the Myth: Performance vs. Values A common misconception in Faith-Based Investing is that investors must compromise financial performance to adhere to their values. Since the inception of Faith-Based Investing in 1994, the industry has made tremendous strides. What started with limited resources and headwinds has now evolved into a robust market with proven fund management, strong fundamentals, and competitive returns. Today, investors can achieve great risk-adjusted returns while staying true to their faith-based principles. Many investors have questions about whether they should tithe off their investment gains. In Luke 12, Jesus instructs us to store treasures in heaven where they cannot decay or be stolen. Additionally, 2 Corinthians 5:1-2 reminds believers that this world is not our home, and we are merely stewards of God’s resources. Unfortunately, statistics show that the average American earning over $150,000 annually gives only 1.7% of their income, with Christians slightly higher at 2.5%. Tithing on investment gains is an opportunity to demonstrate faithfulness and generosity. Timothy Plan's Commitment to Tithing Timothy Plan leads by example, tithing off the revenue it receives from mutual funds. The company sees this as an act of obedience and stewardship, using their resources to support causes that align with their mission. From funding crisis pregnancy centers to promoting faith-based media and supporting biblical entrepreneurs in underprivileged areas, Timothy Plan goes beyond just making money for investors—they are actively contributing to kingdom work. When it comes to deciding where to allocate their charitable contributions, Timothy Plan follows a thoughtful approach. They look at “the other side of the screen,” meaning they support organizations that counteract the very issues they stand against. For example, as a pro-life, pro-family investment firm, they support crisis pregnancy centers and organizations like Movie Guide , which advocate for family-friendly entertainment in Hollywood. Their impact extends locally in Orlando, Florida, and globally across the world. Looking Ahead: What's New at Timothy Plan With new seasons ahead for the country, faith-based investing remains a powerful tool to influence culture and financial stewardship. For those interested in aligning their investments with their values and making an impact through Faith-Based Investing, Timothy Plan offers a variety of investment options. Visit TimothyPlan.com to explore their offerings and learn more about their mission. On Today’s Program, Rob Answers Listener Questions: What key things should I focus on when looking for a mortgage company to buy a home? I want to put down at least half the purchase price using proceeds from selling two other properties and get a 15-year mortgage at the lowest rate possible. What should I look for when comparing lenders? I have a small architecture business, and my income has fluctuated significantly over the last 3.5 years. My financial advisor h

There’s a great investing option out there, and chances are, it’s not in your portfolio. That option is Exchange-Traded Funds or ETFs, and they’re worth considering. Brian Mumbert joins us today to discuss the advantages of ETFs. Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan , an underwriter of Faith & Finance . What is an ETF? An Exchange-Traded Fund (ETF) is an investment option similar to a mutual fund but with distinct features. ETFs typically follow an index, such as the S&P 500 or NASDAQ, and are not actively managed. This means that an ETF holds a broad mix of investments, providing diversification that tracks the chosen index. One key advantage is that ETFs, like stocks, can be traded throughout the day, allowing investors to buy or sell at the current market price. How Do ETFs Differ from Mutual Funds? Unlike mutual funds, where the exact purchase price isn’t known until the end of the trading day, ETFs offer real-time pricing. This flexibility allows investors to trade whenever they choose during market hours. Additionally, mutual funds may pass on capital gains taxes to investors due to asset sales by fund managers, but ETFs generally avoid this by trading “baskets” of stocks, potentially reducing tax liability. Transparency and Tax Advantages ETFs offer high transparency, with daily disclosures of their holdings. This transparency is a significant benefit for investors who prioritize clarity in where their money goes. Tax advantages are another key feature; ETFs often avoid capital gains taxes, which can be passed on to mutual fund holders, especially during high turnover periods. Faith-Based Screening for ETFs Timothy Plan applies the same rigorous faith-based screening to its ETFs as it does to its mutual funds. These screenings filter out companies that conflict with Christian values. While ETFs are passively managed, which can mean a slight delay in removing non-compliant holdings, Timothy Plan flags them for removal to ensure alignment with their mission. This gives investors peace of mind, knowing their ETF investments are held to the same ethical standards as other Timothy Plan products. Lower Cost, Greater Accessibility ETFs offer a lower expense ratio than some mutual funds for investors looking for a cost-effective entry into faith-based investing. This affordability can make ETFs an attractive option for individuals who may be deterred by higher fees and a practical choice for adding diversified exposure to one’s portfolio. Visit TimothyPlan.com for more details on Timothy Plan ’s offerings, including faith-based ETFs and mutual funds. With over 30 years of experience, Timothy Plan provides a reliable option for investors who want to align their finances with their faith. On Today’s Program, Rob Answers Listener Questions: I'm 60 years old and want to retire early at 62. Before I do that, I'd like to pay off my house. Is that advisable? My son has started a new sales outside sales position and will receive a base salary. How can I advise him on how to begin a budget and maintain it when you have commission as your primary source of income? I was wanting to find out about a book you mentioned. I think it was for widows for budgeting who may not know how to do that, per se. What is the title of that book? We're revising our wills and deciding how much to give to our heirs and charity. What counsel do you have on how to make that decision? Resources Mentioned: Timothy Plan