Our Investment Principles

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What We Believe >>

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Our Guiding Principles >>

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Christian Financial Advisors^® abides by 7 investment principles which are based on wisdom, years of experience and scriptural principles found in Ecclesiastes 3:1-8 and 11:2.

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OUR
SEVEN
INVESTMENT
MANAGEMENT
PRINCIPLES

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1) Never allow emotions, feelings, social media, or professional doomsayers with ulterior motives dictate how to manage portfolios.

2) Consistently monitor and actively manage using a forward looking approach and learn from history and past lessons.

3) Invest in companies with:

Pro family values
Produces things we all need: food, clothing, shelter, technology, healthcare, transportation, etc.
Treats their employees well with fair pay, good health insurance benefits, a retirement plan, and time off for family
Provides a safe working environment for their employees
Has good employee training programs
Compassionate towards their employees’ needs
Care about the environment and God’s creation

4) Avoid companies that:

Support destructive behaviors and lifestyles
Make money on gambling, tobacco, alcohol, pornography, and abortion
Support organizations like Planned Parenthood that take away human lives in their most vulnerable state
Supports the LGBTQ agenda and liberal causes

5) Once companies make it through the values screening process, analyze:

Income Statements: Revenue (TTM), Revenue (Quarterly YoY Growth), EPS Diluted, EPS Growth, Net Income
Profitability: Gross Profit Margin, Profit Margin, Dividend Yield
Price and Valuation: Market Cap: 52 Week High (Daily), 52 Week Low (Daily), PE Ratio, Price to Book Value, Debt to Equity Ratio, Free Cash Flow (Quarterly), Return on Equity
Top Analyst Consensus Recommendations: Buy/Outperform/Hold/Underperform/Sell/Consensus Recommendations with Ratings, Price Target and Upside Potential

6) Diversify among Large, Mid, and Small sized companies across Value, Growth, and Blend style boxes as well as by different sectors and countries.

7) Utilize an investment strategy for each individual client’s short and long term needs and goals. Examples include: income for retirement, emergency needs, college costs, etc. Then diversify their investment dollars across our actively managed portfolios to correspond with their goals and needs (listed):

Ultra Conservative – Immediate and short-term needs, time horizon of 1-3 years. Fixed income positions only with 0% in the stock markets.
Conservative – Intermediate needs, time horizon of 3-5 years. Interest-focused, with some growth potential but never more than 20% in the stock markets.
Moderate – Intermediate to long-term needs. 5-8 year time horizon. An equal emphasis on income and growth, weighted more or less in the stock markets and fixed income depending on where we feel the economy is heading.
Growth – Long-term time horizon, 8-10 years, up to 80% in the stock market with the remainder in fixed income, also under or overweight depending on where we feel the economy is heading.
Aggressive – Very long-term time horizon, 10 years plus. Up to 98% in the stock markets. High tolerance for risk and volatility.

As a Fiduciary Based Asset manager, we aim to never be out of touch with where the markets are headed in order to make the small, necessary adjustments as needed for all portfolios we actively manage.[/vc_column_text][/vc_column][/vc_row][vc_row top=”50px” bg_color=”#f2f2f2″][vc_column][vc_column_text]

Schedule an Appointment

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What We Believe

Christian Financial Advisors^® maintains a list of “What We Believe” to ensure that there’s never any ambiguity about our faith-based foundation. We aim to be transparent from the start, so no one ever wonders if our firm is Christian in name only.

Learn more >>

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Our Guiding Principles

Christian Financial Advisors^® abides by five main principles which allow us to serve our clients with the utmost care along with seven investment management principles governing our investment procedures.

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Christian Financial Advisors^® utilizes 7 investment management principles which are based on wisdom, years of experience, and scriptural principles found in Ecclesiastes 3:1-8 and 11:2.

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