What is the Difference Between a 403(b) and an IRA Account?

The main difference between an IRA and a 403(b) is the type of account. A 403(b) is set up by the employer while the IRA can be set up by an individual.

Eligibility

Eligibility for a 403(b) depends on the employer. Except for a couple of small restrictions, almost anyone is eligible for an IRA.

Contribution Limits

A 403(b) has a much higher contribution limit than an IRA. In 2021, a 403(b) annual contribution limit is $19,500 while an IRA annual contribution limit is $6,000 (and a $1,000 catch-up limit if you are 50 or older).

Investment Selection

IRAs typically have a much broader selection of potential investments than 403(b)s, which may be limited by the plan.

Fees

Administration fees for 403(b)s are much higher than an IRA.

If you don’t have a 403(b) plan available, fund an IRA. Many small employers, ministries, or faith-based organizations don’t have the money or experience to offer a retirement plan at all, let alone one with either a basic or matching contribution. This means you have to start your own retirement plan.

To learn more about Roth vs Traditional IRAs, Click Here.

Steps to Begin Educating Your Participants on Their Retirement Plans

How to inform and educate your participants on retirement planning:

Let’s first go over the definition of Inform and educate.

To "inform" means: To provide specific details about a topic in such a manner that it is useful in arriving at a solution to a felt need.

To "educate" means: To teach a participant how to apply financial principles using available information to solve an economic problem or provide insight into an issue of life.

So how do you begin?

Here are some steps you can take to begin helping your participants understand their retirement plans:

1. Review the details of the retirement plan as outlined in the Summary Plan Description: Who is eligible for what and when.

2. Help them understand how to access information about their plan.

3. Help them understand how to enroll, review, and make changes to their account.

4. Help them understand what investments are available and information about them.

5. Help them understand the legal limitations of the plan: contribution limitations, minimum contribution amounts, etc.

6. Show them where to find supporting resources: calculators, definitions, explanations.

7. Provide an adequate investment vocabulary.

A key issue of life is: Will you have enough resources when the paycheck stops to continue in a lifetime of ministry?

Here are some steps you can take to help your participants financially prepare for their future.

1. Learn how to construct a reasonable assessment of future cost of living.

2. Estimate how much income they will be receiving.

3. Check to make sure they are emotionally prepared.

4. Become familiar with the basic principles of investing such as:

   1. The impact of compounding

   2. The value of dollar-cost averaging

   3. The impacts of time, rate of return, and invested amount in achieving a desired financial result

   4. The meaning of risk and how to manage it

      1. Investment diversification

      2. Allocation of resources

And finally, it’s important to help your participants develop the skills and abilities to communicate with spouses and children about financial issues in the present and about future realities.

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Click here to learn more about the retirement education Envoy provides.

Choosing Between A 403(B) And A 401(K) Retirement Plan

When choosing a retirement plan, it is important to understand the difference between 403(b), 403(b)(7), 403(b)(9), and 401(k) plans.

Assuming that your organization is a 501(c)(3) and is either a church or parachurch organization, you qualify for any of these retirement plans under IRS regulations. So, why chose one over the other?

In its simplest form, the 403(b) is cheaper to establish and administer.
The primary reason is due to the fact that 403(b) plans require less reporting and testing. We have seen that a majority of 401(k) plans are often recommended by advisors not familiar with 403(b) plans and how they can benefit ministry organizations.

A simple way to remember the distinction between these two plans is that 401(k) plans are used exclusively by “for profit” organizations. These organizations fall under ERISA Regulations, which requires that tax-deferred accounts undergo periodic reviews known as discrimination testing. For the 403(b) plan, there is less administrative burden on the organization.

If you are designated as a church by the IRS, always choose the 403(b)(9) plan.

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Learn more about Church Retirement Plans.

Why It's Important to Communicate With Your Retirement Plan Provider

When you offer a retirement plan to your employees, you are taking on fiduciary responsibility.

It is your responsibility to oversee and make decisions about your retirement plan for the benefit of the participants. This is also why it’s a good idea to frequently communicate with your retirement plan provider.

Two ways that you can create an impactful retirement plan are:

• Actively partnering with your plan provider to protect your plan and increase employee satisfaction.

• Following the rules that are now in place and knowing what it takes to be in compliance. Being prepared and protected.

Actively partnering with your retirement plan provider means:

1. Being engaged with the employer support systems available to simplify your work.

2. Being aware of and directing employees to the participant servicing options.

3. Staying in constant communication with your plan provider (regarding new hires, census data, changes to the plan, etc).

4. Being aware of ongoing plan maintenance (reviewing your plan’s terms, reports, etc).

IRS  and the Department of Labor

Now that new regulations are in place, the regulatory entities move to the enforcement stage. Target segments are companies owned by foreign entities, small businesses, and 403(b) non-profit organizations. They have expressed the belief that 77% of these plans are not in compliance.

The result is that we must be prepared for the audit when it comes.

Unity produces productivity

Leading and unity inherently include a dynamic tension that is hard to resolve. Leading includes envisioning a future that does not exist. It also includes communicating that vision to a group of people that have not seen, experienced, or acknowledged the potential existence of the vision.

Anything new will be accepted by a few, acknowledged as possible by more, and resisted by most. This reality illustrates why leadership is the purview of the few and the challenge for all. As a friend of mine once opined:

Leading with new ideas is like pushing a wet noodle uphill with your nose.

A bit graphic perhaps but essentially true.

Moving an idea from acceptance to excitement and ultimately onto unity is a tough road. We know that teamwork leads to amazing successes. After winning college or professional sports national championships, the television and radio interviews go something like this:

Question: “How do you account for the tremendous success of the team?”

Answer: “It was amazing how we all came together and accomplished this success!”

What does “came together” mean? Perhaps this coming together is the key ingredient to success. It must be hard to accomplish and very powerful when it happens.

So, does it happen by chance, just luck, or the alignment of the moon and the stars? I don’t think so! It happens when the hearts of men and women change, when personal priority is forfeited, and each individual dedicates themselves to a common goal. They take their identity from outside themselves and commit to something other and greater than themselves. Does that description ring true to you?

I went searching for the basis and example of this phenomenon outside of the world of sports and found that the christian scriptures are a source of the truth. Jesus’ teaching instructs us about life here and life eternal. What does he, and the disciples that he taught, say about this subject?

We can start with Jesus’ own words about unity and success in John 17. As a leader, he certainly challenged the men and women of both his day and current day with a new way of thinking and subsequently a new way of living.

Jesus’ goal expressed here is a powerful one: The world will know that he was sent into the world by God His father. That truth then legitimizes his teachings, life, and the reality of his death and resurrection. Without that knowledge, proof, and acceptance of his claims are hollow and the reality of an afterlife for believers is suspect.

The power and reality of His message is demonstrated by his being united with God and subsequently his followers with him. It is in the unity of voice, message, and action power exists and reality affirmed. It is how we “win” the game and show the world that Jesus is who he said he was and that by following Him we, including our family and friends, can be changed. And that an eternity with him is real on the condition of accepting the truth about ourselves and His role in our redemption.

Not an easy task and we need leadership to accomplish it. Interestingly, the Apostle Paul expands on this theme numerous times, as does Peter. Understanding the theme is important is all aspects of ministry where it takes a team to accomplish a goal…..and that is everywhere and in almost every situation. I say “almost” as a hedge against the exception however, I can’t think of one.

It takes a team to be productive, to achieve a goal, and to change lives.

Here are three of the key ingredients to finding unity and producing God inspired results. Without that God inspiration, we can only strive for the “man inspired” results. And these results are more limited and often lead to unintended and painful consequences.

1.      Love: if you start with a clear vision and unroll it starting with love, the results will always be better. The underlying principal is that concern for the other person, above yourself, will open you and them to more possibilities impacting success. In growing God’s Kingdom here on earth, “They will know we are Christians by our love” for each other and the constant demonstration of that love is convincing and inviting evidence of our faith and the reality of Jesus in our lives.

2.      Listen: You only learn by listening - rarely by talking. Some of us gain insight and clarity through verbal exchange, even within ourselves. It is the listening to others or even hearing ourselves speak that learning, clarity, and new understandings occur. I’m wearing a wristband distributed in our church last week that reads: “I am second." Inherent in that commitment is the priority, importance, and learned skill of listening. Listening for the “still small voice” for guidance and the insights, issues, and concerns of those we are leading.

3.      Like Minded: Until we are like-minded and pulling in the same direction, we are a house, team, or society pulling against itself. Certainly, there is value in discourse but progress comes when unity and like mindedness is achieved. When we all come together to accomplish a common goal

It takes patience, encouragement, perseverance and steadfastness to move from like-mindedness to success. The Apostle Paul knew this when he wrote in Romans 15:5-6:

May the God who gives endurance and encouragement give you the same attitude of mind toward each other that Christ Jesus had, so that with one mind and one voice you may glorify the God and Father of our Lord Jesus Christ.

God’s principles of success play out across the spectrum of our lives. Those of us with leadership responsibility are wise to acknowledge and practice those principles in all we do. Loving, listening, and coming to a like-mindedness are elements leading to both unity and productivity success.

Stay with us as we journey through the hills and valleys of life with Trusted Advice along The Way.

Bruce

Tough leadership decisions: 3 tips on solving the right problem

A few nights ago, Judy and I entered the directions to a holiday party in the car’s GPS. We drove the 20 minutes with confidence and ended up on a dark road, totally wrong address, and not a clue as to where to go.

We’d taken all the right steps, followed the correct procedures, and ended up in the wrong place.

We’d solved a problem and created an answer, it just was simply the answer to the wrong problem.

Has this ever happened to you?  

 The Increased Rate of Change

Everything is moving faster, makes more impact, and is increasingly interconnected. Without a clear direction of where we are going, or leading, we will only get to the wrong result faster.

Clarity, focus, and systematic solutions to all of our problems are not only important, they are critical.

Interconnectedness

In reviewing our strategic plans for the coming year, going so far as to diagraming our various systems, it became increasingly clear how every part of our company is truly interconnected. Leadership decisions made in the sales or marketing area impact service, while Third Party Administration and record-keeping decisions impact finance, HR, and our advisory area.

Identifying and understanding the interconnectedness is obviously critical.

So, between the increased rate that everything is changing and the interconnectedness of all that is changing, identifying and solving the "right problem" is critical. The implications of not solving the right problem are immense, costly, and very frustrating.

Solving the wrong problem, no matter how elegantly, has little value. As a matter of fact it may create more problems than it even solves.

3 Tips for Leaders Solving the Right Problem

1.  Identify What’s Wrong, the Root Cause

So often the most easily identified problem or issue is not the problem, it is only the symptom.

For example, a key salesman’s productivity drops dramatically. The salesman reports that the product pricing is too high and he can’t sell the product any more. Leaders go to work on the product pricing options, product design and packaging, collaborate with vendors on supply chain issues, and form a strategic pricing team to evaluate the competition.

After months of angst, reduced sales, significant investment, and even some internal finger pointing, it is learned that the salesman is having severe emotional problems and is spending most afternoons in the movie theatre.

No sales calls, no sales. No enthusiasm, no sales.

No one dug into the cause of the problem, the root cause, and settled for working on the the symptom.

There is an old adage:  If you want to know what the real problem is, assume all that you see are only  symptoms. Research and peel away the layers of symptoms until you find the real problem.

A parallel thought is that when you truly want to know what someone thinks , ask them a version of the same question, three times.

For example, “How are you?” They answer in a perfunctory manner, “Fine." “Great, so now how are you really?” They now respond in more depth. Then, “So, tell me more about that?” Now you have a chance to uncover what is real, immediate, and true. You can identify more clearly what is true.

Now you can understand, support, encourage, or advise. Whatever is appropriate. 

So, finding the root cause of the problem, or opportunity gone wrong, is the first step to solving it.

2.  Write Out Alternative Solutions

Rank the options.

In order to do this, you must be able and reasonably sure you have identified the real problem and root causes.

Write out the problem as succinctly as you can and run it by a trusted advisor to make sure it is clearly stated.

During this process, solutions will begin to surface. As possible solutions surface, write them down, again as clearly and succinctly as you can. 

When you have a list of possible solutions identified, you are 50% of the way to solving the problem. The pieces to the “solution puzzle” connected with each possible solutions are:

a. This solution will solve the problem because…….
b. The financial cost or impact of this solution is……
c. The people, or staff, this solution will impact are…..
d. The further benefit beyond just solving the problem with this alternative are…..

Then rank the solutions scoring each of the four (or you may add a fifth) on a zero to five ( 0-5) scale.

The highest score wins.

3.  Develop the Solution and Act Decisively

Be Bold.

Procrastination and “dithering”, a particularly irksome form of procrastinating, are the root reasons why problems often do not get solved, even when a solution is clear. There are many adages that address this key step in the “solving the right problem” conundrum:

 “You can’t win the lotto if you don’t buy a ticket”.

“You can’t make a sale unless you first walk out the door”.

And then my grandfather’s admonition, “Once begun is half done”.

The most helpful insight into this third step is to acknowledge that a decision, a decision to act, only takes about 2 seconds. Everything else is preliminary….the decision only takes two seconds.

So, when you think about it, if every day you only used 10 seconds of BOLD, you’d change your life. 

10 Seconds of Bold means that you had made 5 decisions to ACT each and every day. Five decisions of 2 seconds each. 10 Seconds of Bold, will change your life.

If you made even one of those decisions regarding how you spend or save money, how you handle your retirement plan, how you make staff acquisition or staff training programs, how you deal with a troublesome neighbor, friend co-worker or staff member, It will change your life. I’ll write more about this in my next blog. 

In order to solve the right right problem you must:

1. Know its root cause so you are truly solving the “right” problem.

2. Identify alternative solutions so you have a chance to solve that right problem.

3. Using a 10 second of Bold approach means there is a likelihood that the right problem will  truly get solved.

Remember, if you assume the problem you see it as a symptom and act accordingly- following the 3 tips outlined above-life will get better, you will be increasingly productive, your leadership will be stronger and lives will be changed. 

We continue the journey together with Trusted Advice along The Way.

Vision, Transparency, and Accountability

You always learn more when you teach than when you are a listener or a student.

I confirmed that truth again recently. As part of our visit to India, I was presented with a number of teaching opportunities. During two of them, the topics for the day were Vision, Transparency, and Accountability.

I was not sure how either of the audiences would respond. One audience consisted of the leadership team of a hi-tech company who were all followers of Jesus. The other was a group of 75 members of a teaching, translation, and medical consortium working in rural India.

We started with the necessity of clear Vision. We work, we play, we strive, and we contribute often without total clarity about the why behind it. The old adage, “Starting with the end in mind” is simple. However, simple does not always equal easy. As a leader, thinking through the why and the objectives of our why is imperative yet so often overlooked. Particularly when working in or with a relatively small group, the vision is missing because the why is assumed. “Of course,” is often the internal response of teams such as these. “Of course everyone knows where we are going and why we are going there!” Well, maybe not. Even a leader can get trapped at the 500-foot level as a doer rather than a leader. We need to show, tell and do rather than lead with vision.

A vision is a goal towards which we are putting our energy and talent.

As Christians, the vision is one seen through the lens of the ultimate leader – Jesus Christ. Sometimes we experience the vision as a beckoning from God. A call to action, a goal to pursue, and a pathway to follow.

In both groups, the leadership asked that we tie these topics to the realities of team building or teamwork. We can work for years on a project using internal motivation for energy. A team needs to experience a more outward call, leadership, or vision casting in order to come together. The coalescing of a team is the outward manifestation of a mutually accepted vision. Where are we going and how are we going to get there? In both teaching scenarios, we paused to reflect, pray and write down their understanding of the vision for their activity.

In both cases, it seemed like roughly one-third was on board both with the concept and the reality of their world. They were scribbling away while another third was struggling but making some progress towards connecting the dots. The final third was clearly lost in the process. Helping them move beyond their place of being stuck was and is a joy of teaching and the context for the most personal learning. It forces me to be focused, clear, and encouraging.

We then moved on to Transparency.

The conversation began with a question: Why does a leader need to be transparent and what is transparency anyway? I thought that unpacking the term “transparency” in such different cultural setting might be hard or confusing but it wasn’t.

Trust is not built by pounding your chest or proclaiming all the great things you have done. Those just feed your own pride and ego. Trust is built on the foundation of truth, love, and more often than not, examples of failure rather than examples of success. When we share some of our failures or issues we are dealing with, they provide a sense of truth and build a foundation of trust. Being transparent means letting them see the unfiltered you – both good and bad. It is not a maudlin dialogue centered around poor me, but instead centered around real issues and then clearly identifying how they changed you or how the problem was resolved.

There is another great old saying, “You have to build the bridge of trust strong enough so that it can bear the weight of truth going forward." We all know that the future will contain both success and failure. The difference between people is how they respond to both.

Transparency is important in building trust and facilitating communication.

We tell the truth to people we trust and who trust us. Transparency is a critical element to both building trust and communicating truth. I was so pleased that both audiences grasped this concept because I believe they know it to be intrinsically true.

Then there is Accountability.

If transparency is important, then accountability is critical. It is also the hardest. Very few of us relish being held accountable. Our western society is pointing to the other person as being the responsible party for any personal problem. We are not responsible for the outcomes of anything.

You, my parents, my teachers, my playmates, my wife, my kids, my culture, my education…my my, my, my! They are all the responsible party; therefore, I have no responsibility. Politicians are particularly adept at using the pointed finger to absolve an audience of responsibility and put blame on others with themselves and the intermediary savior. They did x to you, and I’m going to save you from the outcome.

When we are transparent with ourselves, the root cause of the problem has at least part of us in an accountability role. Thinking back to an old story, Adam blamed Eve for bringing him the apple to eat and the compelling message of all-knowing divinity that came with it. He certainly did not have to take that first bite. But he did choose to do so.

Accountability and responsibility go together. Part of the forward and positive motivation required to overcome the finger pointing syndrome is a commitment to excellence. When we want to do anything well, we need to know how exactly we are coming along in our progress. Accountability and the metrics that go along with it are the elements that evidence our willingness to take responsibility.

We will never experience the joy of seeing a vision fulfilled without transparency and accountability. Without those two elements, we operate in a vacuum or a sea without a compass.

A week or so after meeting with the tech team leadership, I met one of the team members at a conference. After our greeting, his next words, spoken with a big grin were, “Vision, Transparency, and Accountability!” The words were joined together in his sentence as if they were both connected and cohesive. One thought made up of three ideas. Expressing my joy at his connection to our teaching time and then the presence of mind to share them immediately brought both happiness and satisfaction to the teacher – me!

The group of 75 had a somewhat different reaction. “’Much of this is new teaching," they said, "but we see how important it is to have a vision, be transparent. and accountable. We will try and we will practice."

Each of us can commit to “try and practice."

And that includes me. Clarify our vision, be transparent creating trust and communication, and be willing to bear the responsibility of accountability so we can learn from our mistakes and be encouraged by our successes is a description of a life well lived.

You can’t ask for much more - live it, love it, practice it. This life is the only one you will have until eternity is a reality.

Be blessed and stay with us as we experience Trusted Advice along The Way.

Bruce

Advice for the future

I spent a lot of hours on airplanes in the last few weeks.

The coffee plantation is doing well and the Dordogne area of southern France is superb. Read a thought provoking book entitled: 2030: The Real Story of What Happens to America. Albert Brooks projects a challenging world, a scary world, in the not too distant future. Under his assumptions, the unintended results of curing cancer and unchecked borrowing by our government, changes our world. It is changed primarily because our country’s financial alternatives and decision making options become limited. We become victim to our own lack of foresight. The unintended consequences of sequentially bad decisions scared me about our earthly future.

It also made me think of issues even closer to today: The unintended consequences of not establishing a Future Funded Ministry Plan (both by an organization for it’s staff, and for each plan participant). Scary too. Scary because when each person gets to the point of changing their life style—because of age or other circumstance—and support funds are not there, choice is lost. “Going where You (God) want me to go” is then, not an option. “The unintended consequences of sequentially bad decisions” is scary indeed.

Let’s follow the logic: When choice is lost, the lowest common denominator wins. 

In most cases the controlling factor is money ... or more pointedly, the lack of resources. So, at least part of the answer is to set money aside now for that point in time when the paycheck stops or income is dramatically reduced. Experientially, we here at Envoy know the amount is about 10% of income. So how are you doing? How is your organization doing?

The next point is to make sure your plan is running well ... a smooth running automobile is an analogy that comes to mind.

The most recent “action item” in the tune up menu is to be clear about plan expenses. As a Plan Sponsor you should have received the plan expenses fee disclosure document from either Envoy or your current vendor. If you haven’t received it—in either case—give us a call, we can help. Not knowing also leads to unintended consequences.

Here is the key message of the day:

• The future is controlled by the decisions you make along the way.
• Once those decisions are made, future choice is either limited or expanded.
• Read the book.
• Make your plans.
• Get help (Trusted Advice) so the plans will be good ones.
• Know that God’s plans for you are "for good, and not for evil." So, pay attention ... your future depends in it!

Always good to be home.

Living with Trusted Advice together

Bruce

Faithful for a Lifetime

The coach moves along leaving Jaipur and heading to Delhi. And yes, it is another world. On the one hand, we are all God’s creation sharing a common humanity. On the other hand, we are unique individuals impacted by DNA, culture and history.

Size has something to do with it too. Within the next few years India will overtake China as the world’s largest country.

It is hard for me to wrap my mind around the scope of either. I believe the USA has a population of roughly 300 million. Soon both of these countries will surpass that 5 times over meaning each country will roughly have a population of 1.5 billion! Let’s do some more math to help us visualize the size.

They say that around 2% of the population are Christians. That does not sound like a big number, however, 2% of 1.5 billion is 30 million. I'll have to check with Barna but I believe that is the total number of committed evangelicals in the United States. 80% of India residents select Hindu as their preferred way of living and 15% select Islam. 15% and 85% of 1.5 billion is a lot of people. And that is just India.

A few years ago, upon traveling often to Laos, I learned that the country had about 7 million people composed of 64 tribes. When India was unified 70 years ago, it was comprised of over 600 “kingdoms” with 70 different languages. Large, complex, and diverse are some descriptive adjectives that come to mind when articulating the many dimensions of this country.

Our guide, Sanjay, when answering hundreds of “why” questions from Judy, myself, and our own distinctive traveling companions, often reverted to the following insight: we have the people, we have the resources, but we must find the will to change while removing graft and corruption.

Sanjay is very upbeat and hopeful, yet realistic about his people and country. When queried about trash and litter, he observes that they began a campaign 3 years ago and it is slowly beginning to work. He reminded us that the US’s big anti-litter campaign started in the 70s. “Give us some time too,” he adds with a grin that extends from one end of his mustache to the other.

From a business perspective, the opportunities here are unlimited. As a friend observed, 1 penny a day for each person adds up to a lot of pennies…. or Rupees. The numbers are astounding. The challenges are too.

After visiting an NGO that serves roughly 3,000 children a day in Jaipur, I asked what the number of street children were in that city. The answer of 200,000 took me back. So many families from the countryside are coming to the city with high expectations for work and support only to be disappointed. Many of the children are then abandoned to fend for themselves, or die.

As Jesus followers, there are so many ways yet to demonstrate his love and God’s personal concern. As Americans, there are immense ways to demonstrate new methods of living that do not destroy their culture, but enhances it. And as individuals there are so many new friends to make, help, and learn from.

Another road on Life’s Journey

Bruce

Two thumbs up

I was in the Ubon Ratchitani, Thailand airport waiting for the Bangkok flight when I met him.

All five foot two of 67-year-old energy. My friend introduced me and I asked him, "Are you retired?" "Oh yes" he replied with gusto. Then he quickly continued, "retired from the restraining walls of the church and now free to minister wherever God calls." I was shocked to find an enthusiastic and joyful practitioner of Future Funded Ministry. A Future Funded Champion and Future Funded Ministry messenger, right there in Thailand.

With a little more questioning I learned that in his pre-Jesus days he was a highly ranked Thai kick boxing fighter. Up in the air, knocking out opponents with a judiciously placed kick to the head, landing on his feet and ready to go again. He now looks like he is ready to go 5 rounds for Jesus with anyone.

Upon departure he blessed us and as he turned to leave he said to me, "Young man, you are never through spreading the Word. Let's stay committed to never quitting.” I smiled, nodded in agreement, and gave him two thumbs up.

Reflecting on our "chance" meeting while on a late night flight to Narita, I realized that he did not put down the steepled church, but was honestly sharing the freedom he now felt to minister during his later stages of life. Because of his financial preparation he could teach at an all day training session in Ubon on Saturday and then present at a conference in Chaing Mai on Monday, while he encouraged me on the Sunday in between.

I have no doubt he will be ministering with intelligence and vigor at 77 and beyond. I look forward to our next “chance” encounter as we minister together.

Here are some of my take a ways:
- God is not finished with me yet
- Enthusiastic ministry is contagious
- It's not our size that matters, but our heart

Consider joining the growing band of Future Funded Ministry devotees. Share the message with your family, friends and staff. Be a Future Funded Ministry example whether you are just starting to prepare for that lifetime of service, almost there, or a joyous fellow traveler. Thumbs Up!

Let me know your thoughts and comments. Our dialogue continues.

Living with Trusted Advice together
Bruce