2021 End of Year Magazine
Kingdom Mindset Taking the Limits off!
NEW Product Inside
What it is and why you need one pg. 10
Put Your Money Where Your Values Are pg. 10
Invest in Yourself Today...
hange Your World Tomorrow.
Table of Contents 2021 Highlights ............................................................................................................................................................................
WealthBuilders 2022 Conference .......................................................................................................................................
Kingdom Mindset: What it is and Why You Need One ............................................................................................
Taking the Limits Off! ................................................................................................................................................................
WealthBuilders Podcast ...........................................................................................................................................................
WealthBuilders Partnership ...................................................................................................................................................
Tricord Global ................................................................................................................................................................................
How to Make a Sustainable Difference: A Burden or a Call ..................................................................................
Invest with Tricord Global .......................................................................................................................................................
Put Your Money Where Your Values Are .........................................................................................................................
Billy Epperhart’s Top 3 Investment Tips .........................................................................................................................
WealthBuilders Investment Services ................................................................................................................................
WealthBuilders Staff ..................................................................................................................................................................
How About Some Sweet Tea? ..............................................................................................................................................
Upcoming Events ........................................................................................................................................................................
Copywriter: Hannah Grieser
Graphic Designer: Print Media Manager: Celine Williams
Carolyn Nelson Hannah Grieser Alana Rojas Gabriella Tankson
Celine Williams Caleb Barnard Chad Frantzen
Envision: To imagine as a future possibility “By faith we understand that the worlds were framed by the word of God, so that the things which are seen were not made of things which are visible,” Hebrews 11:3 (NKJV) Dear Reader, Everything that exists started as an idea. We stand on the shoulders of past generations who saw problems and resolved to find a better way. They were not content with the way things were, so they envisioned a different reality. Then, they made it happen. When you look forward, what do you see? Perhaps you already have a vision about the plans and promises that 2022 holds. Or, maybe you still need to consider what God is calling you toward. In business it’s crucial to have a 1-year plan, a 5-year plan, and a succession plan. The same is true for your life. While we need to strategize for the current season we’re in, we also need to consider what legacy we’re leaving behind us. This is part of what it means to have a Kingdom Mindset. In the first half of this magazine, you’ll find an article about how we can reshape our culture so that it reflects the Kingdom of Heaven for future generations. Then, our Vice President Karen Conrad gives you tools for how to take the limits off so you can see the eternal possibilities your life holds. However, there’s a difference between dreaming and doing. After you start to envision the Kingdom possibilities, you’ll need to take some action! In the latter part of this magazine, you’ll find practical tips about how to build wealth and how to invest responsibly so you can make a sustainable difference. God is moving, and we are prayerful that He will speak to you about how you can specifically partake in His plans and purposes. As always, please reach out to our team if there is any way we can support you! Blessings,
Billy and Becky Epperhart
2021 End of Year Magazine 5
October Real Estate Workshop
Billy, April Real Estate Workshop
Billyand Becky October Real Estate Workshop
Caleb, Billy, and Chad Kingdom Business Summit
Billy, Investment Mastery Workshop
Becky and Karen, April Real Estate Workshop
Billy, Dr. Bill Winston’s BLC Conference
Dan, Billy and Bill, April Real Estate Workshop
Dr Dean Radtke, Karen, and Billy, Kingdom Business Summit
Billy, Investment Mastery Workshop
Becky and Billy, April Real Estate Workshop
WEALTHBUILDERS Who We Are: WealthBuilders is the educational arm of our nonprofit. We educate Christians around the world about how to build wealth in the areas of business, real estate, finance, and leadership. We do this through seminars, conferences, and educational materials including videos, podcasts, books, manuals, and workbooks. Through this education, our hope is that you will become more equipped to make a positive difference for the Kingdom of God. You are the heart of what we do!
Our Mission: To inspire and equip others to make sense of making money for making a difference for the purpose of transforming individuals, cities, and nations.
Our Vision: To empower one million entrepreneurs globally by providing business training and the start-up capital needed to build Christ-centered enterprises around the world.
Our Plan: To provide business training and necessary capital to the impoverished so that they can break the generational cycle of poverty. In addition, we teach others how to build wealth so that they can devote resources to Kingdom causes as well.
To learn more, go to www.wealthbuilders.org 2021 End of Year Magazine 7
Do you want to learn how to build wealth, but feel like you don’t have the time or money to spend on the extensive (and expensive) programs that are out there? In an attempt to make financial education even more accessible, our team launched The WealthBuilders Podcast in January of 2021. We want to do life with you. Just pop in your headphones and listen while you’re getting ready, driving, exercising, cooking, cleaning, or whatever it is you do throughout your day! Our archive has dozens of teachings from Billy Epperhart on current economic events, how to combine your faith and finances, and current economic events, and the following topics:
Real Estate: You’ll learn valuable information for buying personal and investment properties,
as well as how to navigate the current market. Some hits from this category are ‘Why You Should Invest in Real Estate’ and ‘10 Things Every Real Estate Investor Should Know.’
Business: Entrepreneurship and working in the business realm are great platforms for
making a positive difference. The podcast shares practical tips, as well as theological takes on the integration of faith and work. Some hits from this category are ‘Biblical Foundations for Business’ and ‘Work + Worship: Perfecting the World with God.’
Finance: Personal finance is an invaluable skill to have at any point on your wealth-
building journey. The podcast provides teachings that are accessible to all income levels. Some hits from this category are ‘7 Steps to Financial Freedom’ and ‘How to Invest in Today’s Overinflated Market.’
Leadership: Everyone is a leader of something, and good leadership has direct
ties to wealth-building. You’ll learn strategies for personal leadership, as well as how to lead well in an organizational setting. Some hits from this category are ‘How to Find and Recruit Leaders’ and ‘How to Conduct a Power-Packed and Productive Meeting.’ Explore even more with The WealthBuilders Podcast. You can find us on Apple Podcasts, Spotify, or wherever you like to listen. Scan the QR code below to listen today!
The WealthBuilders Podcast Scan the QR code to listen to the WealthBuilders Podcast on Apple Podcasts
Kingdom Mindset: What It Is & Why You Need One By Billy Epperhart
n Christian circles, we throw around the word ‘Kingdom’
All my life, I read that verse as “Seek God first” or “Seek
a lot. We talk about building wealth for the Kingdom
Jesus first.” However, the Kingdom distinction makes all
and doing things with a Kingdom mindset, but what does
the difference. Of course, when we seek the Kingdom we
that really mean?
are seeking God, but more specifically we are seeking
A failure to grasp the gospel of the Kingdom is why so many churches today are stuck within their four walls.
His will in the earth. It’s not about us as individuals—it’s about the whole world. I came to faith at a time when the gospel of salvation was all the rage. The gospel of salvation preaches that anyone who believes that Jesus is the Son of God is saved, born again, and will go to heaven when they die. It is
I didn’t critically ask myself this question until several
absolutely necessary. However, without the gospel of the
decades into my faith journey. At that point, I had stopped
Kingdom, the gospel of salvation is limited. The gospel of
being a pastor and was well on my way into retirement.
the Kingdom preaches about the powerful things we can
Out of curiosity, I called up two pastors I knew and
do with our faith while we’re living in human form.
asked them question after question about the Kingdom.
A failure to grasp the gospel of the Kingdom is why so
They came from completely different denominations than I did, which was perfect because I needed a fresh perspective. The pastors had very insightful things to say, but one verse in particular really jumped out at me. Right after Jesus encourages the crowd around Him not to worry, He says, “Seek first the Kingdom of God and his righteousness, and all these things will be added to you,” (Matthew 6:33).
many churches today are stuck within their four walls. They don’t actually engage with culture to make an impact. When it comes to the Gospel of Salvation and the Gospel of the Kingdom, it’s not an either or—it’s a both and. Jesus illustrates this when He encourages his disciples to pray, “Your kingdom come, your will be done, on earth as it is in heaven,” (Matthew 6:10). We need a paradigm shift. As the Body of Christ, the
mission of our lives must be to embody this Kingdom
Awakening. God desperately wants to reform all areas
culture in our daily lives. Bringing the Kingdom of Heaven
of culture, and He wants to do it through the Body of
to earth looks different for everyone. It is an expression of
Christ—you and me. We have to wake up to the fact that
one’s relationship to God and their desire to enact His will
our lives are not about us anymore…they’re about the
in the earth. So, I can’t tell you exactly what this means
for you—you have to seek it out for yourself. However, there is a blueprint that can help.
How to Change Culture Creating a Kingdom culture may seem like a daunting
The 7 Mountains
or even impossible task. Instead of getting discouraged,
The 7 Mountains are a framework we have for thinking about God’s Kingdom on earth. Essentially, the 7 mountains are representative of the primary spheres of culture. They are religion, business, government, family, education, media, and the arts. There is a spiritual battle for influence in these mountains, and as the Body of
focus on what you can do. • Adopt a Kingdom mindset. Realize that you are on mission with God every single day! • Find scripture about the Kingdom of God (Matthew 13 is a great chapter) and meditate on the meaning.
Christ, we have to be aware of it. The goal is to reform
• Begin to pray about how you can implement
every area of culture with Kingdom principles so that the
Kingdom principles in your workplace.
world will taste and see that the Lord is good
• Know what ‘mountain’ you are most equipped to
Discipleship to Jesus looks like diving into uncomfortable situations in an effort to bring the Kingdom of Heaven into unfamiliar spaces.
serve in right now. For me, that area is Business. At different times, my focus has been on the Church and Family mountain. Those are still very important to me, however, now that I’m not pastoring and my children are grown, I direct more attention to transforming the Business mountain. Everything is connected, so the
In my opinion, right now the family, education system,
work I do in the Business mountain inevitably affects
media, and arts mountains have the main influence over
other areas as well!
culture. The messages coming out of these areas dictate
You were born for such a time as this (Esther 4:14.)
what people value, think, and believe. The government
You have something unique to bring to the table that
and business mountains are the control centers. They
our culture desperately needs. This holiday season, I
create the laws and regulate the flow of money, so
am praying that God will further reveal His plans and
having Kingdom-minded Christians active in this area is
purposes for you in the upcoming year. Blessings!
extremely powerful. In order for the Kingdom to exist on earth as it does in Heaven, the Church needs to permeate every sphere.
We are Pioneers
“And let us run with perseverance the race marked out for us, fixing our eyes on Jesus, the pioneer and perfecter of faith” (Hebrews 12:1-2). Jesus calls us into new territory. So, discipleship to Jesus looks like diving into uncomfortable situations in an effort to bring the Kingdom of Heaven into unfamiliar spaces. Scripture encourages us in the fact that we have everything we need to answer this call (Colossians 2:10).
I believe that we are on the cusp of the 3rd Great
Scan the QR code to read more on the Seven Mountains 2021 End of Year Magazine 11
Taking the Limits Off! By Karen Conrad
s Billy mentioned in the previous article, God has
Christ-- not just reformed or refurbished, but brand new.
called each and every one of us to bring the culture of
Psalm 45:10 (TPT) provides encouraging direction— “Now
Heaven to earth (Matthew 6:10). However, we often submit
listen, daughter, forget about your past. Put behind you every
to limitations that keep us from stepping into the plans
attachment to the familiar, even those who were once close
and purposes He has for our life. Sometimes, we embrace
to you!” Ask God to help you exchange the filter of the past
limitations without even knowing it!
for the filter of Truth.
The key to taking the limits off is to see yourself as God sees you. He sees you through the finished work of Jesus, and that is how God wants us to see ourselves, too. In an effort
When you’re following God, He will call you into the unknown.
to equip you to fully live into your God-given purpose in
2022, I have listed out the 5 major areas where I see people
2. Fear of Man
(myself included) limit themselves. Pray into each of these
If you value approval more than you value obedience to God,
areas and ask God to help you shatter glass ceilings you may have. A great way to start is Numbers 4: 25-26 (AMPC) “The Lord make His face to shine upon and enlighten you and be gracious (kind, merciful, and giving favor) to you; The Lord lift up His [approving] countenance upon you and give you peace (tranquility of heart and life continually).”
1. Past Experiences When you hold onto the old, there isn’t room for the new. Trauma, mistakes, and bad relationships are just some of the pain points that can cause us to drift away from our current season. Remember that you are a new creation in 12
you are living with the fear of man. If we’re not careful, what people think of us can become our identity. It can become a vicious cycle because any identity we receive from the applause of man must be sustained by the applause of man. This creates a dependency on people’s approval, and it makes it really difficult to follow God’s direction. Not only that, but you’ll never emerge into who you were created to be—you’ll be an echo of other people’s desires. If you’re afraid to take a leap of faith because of what other people might think, it’s time to remove those limitations from your life. Pray that God will give you the strength to live out Colossians 3:23-24 (NKJV): “And whatever you do, do it
heartily, as to the Lord and not to men, knowing that from the Lord you will receive the reward of the inheritance; for you serve the Lord Christ.”
3. Past Sin Continually reminding ourselves of past sins and mistakes can cause feelings of unworthiness, guilt, shame, and cause
Pray: God, please reveal to me the limits I’m really fighting. Sharpen my focus and help me bring every thought captive to you. Scripture: “For though we walk in the flesh, we do not war
us to believe that we deserve negative things that happen
after the flesh: Casting down imaginations, and every high
in our life. However, when we understand the power of what
thing that exalteth itself against the knowledge of God,
Jesus did, we can walk in eternal life now! God wants us to
and bringing into captivity every thought to the obedience
see our past, present, and future selves the way He sees
of Christ; And having in a readiness to revenge all
us—pure and worthy through the blood of Jesus. If you’re
disobedience, when your obedience is fulfilled.” Corinthians
clinging to past sin, what did Jesus even die for? If past sin is an area where you have limitations, consider Isaiah 53:5 (ESV), “But he was pierced for our transgressions; he was crushed for our iniquities; upon him was the chastisement that brought us peace, and with his wounds we are healed.”
4. Believing Lies Ultimately, lies come from the enemy—all he can do is lie! (John 8:44) If I was your enemy, I would work hard to convince you that you’re worthless so you’d feel powerless against me. That’s why it is so important to learn how to
10:3-7 King James Version (KJV) Pray: God, help me put my confidence in you, not my own abilities or the approval of others. Scripture: “Fear and intimidation is a trap that holds you back. But when you place your confidence in the Lord, you will be seated in the high place.” Proverbs 29:25 (TPT) Pray: God, please help me discern between truth and lies.
measure the Truth of who God says you are against the
Give me the clarity of mind that can only come from your
lies of the enemy. Is there something you want or someone
Spirit, and help me stand firm in my identity.
you’d like to be, but you feel like it’s impossible? Pray on
Scripture: “See to it that no one takes you captive by
what Philippians 4:13 (NKJV, emphasis mine) means for you: “I can do ALL things through Christ who strengthens me.”
philosophy and empty deceit, according to human tradition, according to the elemental spirits of the world, and not according to Christ.” Colossians 2:8 (ESV)
We often think of a prideful attitude as being obnoxious and arrogant, but it also has a subtle side. A prideful person puts their trust in their own abilities more than they do God. The result is that they limit their lives to the natural realm when God wants to elevate it to the supernatural! Be careful that you don’t elevate your own shortcomings more than you exalt God’s power. When you’re following God, He will call you into the unknown. Pastor Mark Batterson puts it this way: “God doesn’t call the qualified; He qualifies the called.” Pray 1 Peter 5:6-7 (NLT); that God may expand your capacity to trust Him instead of your own strength: “So humble yourselves under the mighty power of God, and at the right time he will lift you up in honor. Give all your worries and cares to God, for he cares about you.”
2021 End of Year Magazine 13
Conference February 18 - 20 th
Billy and Becky Epperhart Answer the Call... Do you believe that God has called you to do great things? Well, at WealthBuilders, we do! In fact, we believe it so much that we've designed an entire event to help you respond to that call. Our annual WealthBuilders Conference is back, and with it comes dozens of teachings to help you practically integrate your faith and finances in the areas of business, entrepreneurship, real estate, and more. Come and receive the preparation and encouragement you need to partner with God in your area of influence.
Billy Epperhart is a successful entrepreneur and a nationally known speaker and author. He is the CEO of Andrew Wommack Ministries and Charis Bible College, as well as the co-founder of the Charis Business School. In addition, he oversees the strategic direction of his nonprofit, WealthBuilders, which provides financial and spiritual education to help people make sense of making money for making a difference. The missional arm of WealthBuilders, Tricord Global, provides microfinance loans and business training in developing nations.
Purchace Tickets at: wbconference.online
Workshop Main Speakers Lance Wallnau
Dr. Wallnau is a strategist, futurist and compelling communicator who has shared platforms with Ben Carson, Mike Pompeo, and best-selling authors Ken Blanchard and John Maxwell. He has conducted training for the United Nations and spoken at Harvard, the Chinese Academy of Social Sciences, and the London School of Theology. With a thirty-year background consulting business and non-profits, Lance’s students represent a global tapestry spanning governments, CEOs, entertainers, and entrepreneurs.
Karen Conrad is an entrepreneur, speaker, author, trainer, and consultant whose passion is bringing “vision to reality” for her businesses and others. She specializes in bringing businesses and ministries to the next level (with proven results!) With over 32 years of executive experience and successful business entrepreneurship, Karen capitalizes on her vision to see others prosper in the business and ministry realm.
More Speakers Coming Soon
Visit wbconference.online to view our main speakers as well as our workshop speakers as we announce them.
Partner with WealthBuilders We have a message to spread: Jesus didn’t come just so we could go to heaven when we’re dead. He came to make all things new—and he wants to do it through you. Every person is born with a God-given mission that can be summed up in this one prayer: Your kingdom come, your will be done, on earth as it is in heaven,” (Matthew 6:10)
Our mission is to train 100, Partner with our organization: • Ask God if He’s leading you to become a legacy partner with WealthBuilders. • If so, fill out the insert in this magazine. Pledge whatever amount feels right! Your monthly gift is what allows us to equip hundreds of thousands of people around the world to make sense of making money for making a difference.
• Prayer calls each quarter and spiritual support whenever it’s needed • A physical devotional each quarter • Christmas gifts and birthday cards • Priority seating at our workshops and conferences • Private meet and greet with Billy and Becky at our annual WealthBuilders Conference
Follow Billy on Social Media
Instagram: @billyepperhart Facebook: www.facebook.com/billy.epperhart/ Twitter: @BillyEpperhart LinkedIn: www.linkedin.com/in/billyepperhart/ YouTube: Billy Epperhart
At WealthBuilders, we believe that this is time for the Body of Christ to wake up. God wants to partner with you to bring His Kingdom into every sphere of culture. After all, Christianity was never meant to stay inside of the church. Money is a tool that can be leveraged to spread God’s love in big ways. That’s why we provide free financial education around the globe. Our goal is not only to tell people they can make a difference, but to show them how. So, will you partner with us as we empower others to partner with God?
us in this endeavor!
,000 entrepreneurs in the United States and 1,000,000 entrepreneurs worldwide. Partner with our mission: • Believe that there is a divine purpose and mission for your life. • Seek out God’s plans. Implore Him about how you can be on mission in your workplace, business, and everyday life. • Share blog posts and videos that speak to you. • Encourage people to sign up for our email list.
• Free financial education in the form of weekly blogs, videos, and podcasts. • The ability for WealthBuilders to run and renovate our website. Our website reaches hundreds of thousands of people in 186 countries with practical wisdom and the Word of God. • Funding for Special Projects with Tricord Global and start-up costs for businesses that fuel job creation and economic development in developing countries. • Empowerment and employment to our team! Legacy partners allow us to carry out the mission of making sense of making money for making a difference every day.
To Partner Fill out the envelope that was insert from magazine and send it back to us! You can also partner online at: www.wealthbuilders.org
The second branch of Glotrans (One of Tricord’s investment banks), opened in early September in Kasangati, Uganda.
TRICORDGLOBAL Who We Are: The mission of Tricord Global is to provide microcredit (small loans) to the poor in developing nations, empowering them to move out of poverty and into productivity and prosperity. Our operational model shall follow the proven best-business practices of the microfinance industry, as well as endeavoring to “piggy-back” on the existing infrastructure of local church networks.
Our Mission: To inspire and equip others to make sense of making money for making a difference for the purpose of transforming individuals, cities and nations.
Our Vision: To empower one million entrepreneurs globally by providing business training and the start up capital needed to build Christ centered enterprises throughout the world.
Our Plan: By providing training and capital to those in poverty, we empower them to break the cycle of poverty that they have been in for generations. This interruption of the poverty cycle enables their families, cities and nations to be transformed.
To learn more, go to www.tricordglobal.com 2021 End of Year Magazine 19
How to Make a Sustainable Difference: A Burden or a Call? By David Briggs
hy do people make the decisions they do? The
burdened and being called. Imagine that two friends went
reasons are plenty, but they all stem from one thing—
on the exact same mission trip—same itinerary, same meals,
values. When a person makes a choice, it is a result of their
same excursions, same relationships—you name it. At the
priorities. In the act of choosing, they prioritize one choice
end of the trip, both friends are impacted. God has used
over several other contenders. Those priorities are a direct
their collective experience to impart the value He sees in
reflection of their values.
that specific city and social justice cause to the two friends.
We use our values as a gauge to determine whether or
Yet, they respond differently. One has a burden, and one has
not something is worth our energy or resources. Basic
economics tells us that every decision costs us something. If we value something enough, we will take action. That’s why I believe that, in order to have a Kingdom culture on earth, people must value what God values enough to do something about it. I have found that God shares His values with us in two primary ways: calls and burdens.
Sustainable mission work depends on people responding to burdens and calls.
A Call or a Burden? In his booklet ‘The Burden or the Call’, pastor and missionary Jim Zirkle uses the illustration of two people on a mission trip to express the difference between being 20
The friend who has a burden feels a pull to give financially to and pray for the people he met. The word burden has a negative connotation, but in this sense, it simply means to have empathy. Repeatedly, Jesus told people “I desire mercy, and not sacrifice,” (Mark 9:13). With that in mind, burdens aren’t motivated by a sense of ritualistic compulsion. Instead, they are motivated by a deposit of love from God. Just as a burden can come, a burden can go. You don’t necessarily stake your life on a burden. You respond in kindness with a gesture or a series of gestures, but you aren’t on the frontlines—and that’s okay! That’s where the call comes in.
The Call Whereas the first friend was content to express his values
from a distance, the second experienced a call. He felt a
income, and invest back into their communities. If you
draw to go back to the country and start his own ministry
share these values and feel a call or a burden to contribute,
there! This doesn’t make the second friend better than the
our goal is to be a vehicle for you to express that. Reach
first. God calls everyone to something different. We aren’t
out to one of our team members to learn how you can get
meant to devote our lives to every cause.
involved. Or, you may not have a call or a burden to Tricord.
In the New Testament Greek, the word call (klesis) can
Still, I know that God is calling you toward some area of
be translated to a divine invitation. Our responsibility is to respond to the invitation (the values) God has placed on our hearts while we support our brothers and sisters in Christ who are serving in other areas. For instance, you may be
Kingdom building. If you can’t hear the call, pray for God to show you what He values. Ask Him to break your heart for what breaks His. Lastly, know that what God values is worth eternally more than what it might cost you.
called to serve in your workplace, not a mission field abroad. However, God may place a burden on your heart to give financially to a friend who is a missionary. If you tried to do both, you could not be fully invested in either. They would both crumble. Therefore, sustainable mission work depends on people responding to burdens and calls.
True wealth often doesn’t look like the world’s definition of prosperity. It’s much deeper than that. Worth > Cost
You have to ask not what something costs, but what it is worth. Think about a business, for example. In a functioning business, the buyer and the seller must agree that the cost of a good or service matches its worth. When they do, both parties receive value: the buyer has something they want or need, and the seller has made a profit. The same thing happens when we come into agreement with what God values. We pay a cost, whether it be with our time or resources, and we receive value in the form of purpose, blessing, connection, etc., in return. Here’s the thing, though--if you want to truly value what God values, it’s going to cost you something. However, when it comes to the Kingdom, it’s always worth it! “The kingdom of heaven is like a treasure hidden in a field, which a man found and covered up. Then in his joy he goes and sells all that he has and buys the field.” (Matthew 13:44, ESV) The man in the above parable reprioritized his entire life to obtain his treasure. He was joyful because he knew he was getting a sweet deal! True wealth often doesn’t look like the world’s definition of prosperity. It’s much deeper than that. At Tricord, we value the dignity of all people. So, we provide a way for people to engage in meaningful work, build an 2021 End of Year Magazine 21
Invest with Tricord Tricord Global works with three separate faith-based institutions: Glory SACCO, a credit union; Glotrans, a bank; and Jennis Finance Company. The three institutions work hand in hand with Tricord Global to provide socio-economic development for the poor and disadvantaged through business training, life-skill training, and access to capital and resources. This enables them, as well as their families and communities, to move out of poverty and into productivity and prosperity. Through economic empowerment, individuals can achieve greater opportunities and, in turn, promote sustainable economies.
Your Investment Helps: •
Pull God’s people out of poverty
Create financial independence
Provide comprehensive educational resources
Initiate a current of civic responsibility
Bolster the Ugandan economy
Empower the next generation through the
If you are interested in investing with Tricord, email: email@example.com or call: (720) 416-4600
Investments Open in
building of schools, churches, and additional
bus ine ss b a n d/ or a lo an
• Under the poverty line • No foreseeable pathway out of poverty • Lack of funds to participate in the marketplace • Usually unemployed or making little money 22
es urs co
• Working their way out of poverty • Creating income streams • Able to provide for themselves and their families nd civic respo on a nsi ati bi c u lit d e
• Employing others in their community • Owning businesses • Participating in and improving the local economy • Teaching others to follow in their footsteps On a trajectory to continue growing
Why Invest with Tricord Global? The mission of Tricord Global is to provide microcredit (small loans) to the poor in developing nations, empowering them to move out of poverty and into productivity and prosperity. Our operational model shall follow the proven best-business practices of the microfinance industry, as well as endeavoring to “piggy-back” on the existing infrastructure of local church networks. This partnership approach will allow us to more effectively impact families and entire communities, while at the same time help strengthen local churches. The “business-as-mission” philosophy of Tricord is to function in a manner that not only preserves donor capital and achieves financial sustainability, but does so without compromising our commitment to physical, spiritual, and social transformation. Investors are the ones who empower us to go overseas and provide our training. Our investors are the ones who enable us to provide needed infrastructure (water wells, fire bricks, hygiene training), produce education materials, send us to our sites, and sponsor conferences worldwide. We believe that the key to lasting social impact is through mentoring and teaching life skills that promote wealth building. I hope you consider being an investor with Tricord Global. Thank you for partnering with and praying for us.
1. Abundant With help from your investment, Tricord has administered 7,000 loans overall and currently provides loans to over 5,000 clients.
Tricord provides seven different types of loans in order to suit the diversity of needs our clients have.
In addition to loans, Tricord partakes in several diverse areas of development with the goal of city and nation transformation. We work to create a world that looks more like the kingdom of God everyday.
3. Sustainable We partner with three lending institutions in Uganda. These institutions provide our clients with the ability to be economically active and teach them the value of corporate responsibility. This promotes enduring change and circulates continual capital within the country. 2021 End of Year Magazine 23
Put Your Money Where Your Values Are: How to Bolster Your Portfolio with Biblically Responsible Investing By Chad Frantzen, CFP®
ecently, an acquaintance of mine heard about investing
snakes and as innocent as doves (Matthew 10:16) when we
with Kingdom principles from WealthBuilders. They
approach financial management.
shared a story about how, upon hearing about the need for biblically responsible investing, they approached their longtime financial advisor with a simple question: “We want to make sure the companies we are investing in have pro-Christian values and do not support abortion, human trafficking, and the like. How can we do that?” The reply by their financial advisor (who is also a Christian) was stunning. “I’m sorry, but there is really no way for me to do that,” he admitted.
The Solution: Biblically Responsible Investing (BRI) Given that the world’s climate is counter to the conservative Christian worldview, this story should not be that surprising. For decades there has been a movement within the investment community called Socially Responsible Investing (SRI). Broadly speaking, SRI is an attempt by an investor to align their investment decisions with their personal belief system and convictions. Until recently, Socially Responsible
God blesses what is in alignment with His Word!
The Problem at Hand
This financial professional worked at a large financial
Investing has been the domain of social liberals. They have been the single largest group to conform their portfolios, to any significant degree, to their worldview. However, Biblically Responsible Investing (BRI) is starting to gain traction in the financial industry. There are now several funds raising significant dollars from investors who want to
brokerage company that most readers would recognize.
invest with this mindset.
Large Wall Street institutions have no desire to train their
Whether through stocks, mutual funds, IRA’s, or 401K’s,
financial advisors on how to apply Christian ethics. Whereas
Christian investors likely own shares of U.S. companies that
we filter our everyday interactions with investors through
support the liberal agenda. Although it’s hard to completely
a Kingdom-impact framework, they do not. Wall Street is a
avoid, it is paramount that we move toward investor
modern-day Babylon, and we must operate as shrewd as
awareness. We must insist that our investment dollars be
salt and light in a dark world. Different independent studies
life at all stages, and the freedom of religion. Furthermore,
estimate that as much as 50 percent of the S&P 500, the
the church must set aside theological exercises on
most popular U.S. stock market index of public companies,
‘prosperity’ across denominations, and acknowledge that it
violate Christian ethics in the following ways:
is time to direct our finances towards King Jesus.
• Suppression of our First Amendment Rights (Freedom
The time is now to deploy our financial resources into the
of Speech and Religion)
world with an expressed mission of making an impact
• Companies that are hostile to conservative values
for the Gospel. We encourage you to join the movement
• Contributions to liberal candidates and causes
and become a Kingdom Impact Investor. WealthBuilders Investment Services stands ready to help guide you! If you
• Repression of our Second Amendment Rights (Right to
would like to learn more about applying Kingdom principles
to your financial resources, please contact WealthBuilders
• Illegal immigration and sanctuary cities
Investment Services and get started today.
The Practicality of BRI
For the Kingdom,
It is commonly assumed that your financial returns will
Chad Frantzen, CFP®
suffer if you screen companies that violate Christian
WealthBuilders Investment Services
ethics out of your portfolio, instead choosing to focus on
investments that align with your values. Various studies,
including one done by the BRI Institute, reveal otherwise. According to their research, when we screen out companies who fail to meet our standards and we engage with companies that support our values, investment returns
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increase! God blesses what is in alignment with His Word! I also want to point out that an investor should have a diversified mix of investments that include public stocks alongside other categories such as real estate, private equity, and commodities like gold, silver, and digital currency. This is completely possible with a pro-values portfolio.
Good Stewardship Good financial stewardship--honoring God with the resources He has given us--depends on applying a biblical framework to our financial plans. When we invest in something, we take a degree of ownership. The question is, what do you want to be an owner of? The global church must be mobilized to act on what the Word of God says, such as honoring the family, the value of WealthBuilders is not a registered investment advisor. Neither WealthBuilders nor any of its representatives are authorized to provide investment advice on behalf of Authentic Counsel, LLC or to act for or bind on their behalf. Neither Billy Epperhart, WealthBuilders, nor its affiliates are engaged in providing investment advice. WealthBuilders does not receive, control, access or monitor client funds, accounts, or portfolios. WealthBuilders does not warrant any services of Authentic Counsel, LLC and makes no claim or promise of any results or success of retaining Authentic Counsel, LLC. Your use of Authentic Counsel, LLC is at your sole discretion and risk. Investment advisory services offered through Authentic Counsel, LLC, a registered investment adviser registered in the states of Texas, Colorado and California. Brokerage services provided to clients of Authentic Counsel, LLC are offered by Charles Schwab and TD Ameritrade Inc., Member FINRA/SIPC/NFA. Past performance does not guarantee future results. Please consider your personal risk tolerance and objects before investing.
2021 End of Year Magazine 25
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M GOAOLNTHL INV E : STARY STIN T G 8 FIN:0A0 AM MEE NCE TING
5:040:P00 PM M WBwI /CALESpeak ADVI B SOR
Is wealth building part of your New Year’s resolution? If so, WealthBuilders Investment Services is your solution! We’ll help you achieve your finance goals this year. Visit https://authenticwealth.co/wealthbuilders to get started with one of our financial advisors and start investing today. 26
Billy Epperhart’s Top 3 Investment Tips STEP 1:
Don’t Invest in What You Don’t Understand
Do your homework and research an investment before you put real dollars on the line. As with anything, you need to prepare before you act. I always say that the favor of God is attracted to a spirit of preparation! If you’re just getting started and you have $1,000 to invest, initially the best thing to invest in is yourself. Get education on how to best steward your money, and it will be well worth it! An area where I really see a need for more understanding is the rising popularity of cryptocurrency. Before you invest in something like Bitcoin, you should take the time to understand as much as you can about decentralized currency. I do believe that the future is decentralized, but that doesn’t mean there isn’t a risk you should evaluate before jumping head over heels into crypto. Check out The WealthBuilders Podcast for episodes on crypto, as well as general investment tactics.
Invest with Your Winning Percentage
Your winning percentage is the extra money you have in your budget after your tithe and living expenses are paid. If you can, live by the 80/10/10 rule: Use 80% of income for expenses, 10% for tithe, and 10% for investing. If you can invest more, do so! You may have to make some lifestyle adjustments, but very few things that are worth doing are easy.
80 - Expenses 10 - Tithing 10 - Investing
Diversify Your Portfolio
Has anyone ever told you not to put all of your eggs into one basket? That’s the same logic behind diversifying your portfolio. It helps you manage risk. To put it simply, if one of your investments was to go south, it wouldn’t bring all of your other investments down with it. Here’s a snapshot of how I like to diversify my portfolio: • 50% in low-leverage/debt real estate • 25% in long-term treasury bonds • 25% in the S&P 500
Treasury Bonds S&P 500
2021 End of Year Magazine 27
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Join Our WBIS Team
Are you an individual with a background in the financial service industry? Do you have a servant heart with a desire to grow in the arena of Kingdom finance? Do you want to work for a company with a Christian worldview? Then consider joining our WealthBuilders Investment Services team in Greenwood Village, Colorado!
Our Open Positions: Senior Financial Advisor
Requirements: Series 65 and Life Insurance License. Clean U-4 and no outstanding customer complaints. 5+ Years Experience as a financial advisor.
Senior Financial Assistant/ Operations Manager Series 65 preferred. Clean U-4 and no outstanding customer complaints. Financial services industry reference required. 5+ Years Experience as a financial assistant.
Submit your resume and questions to: firstname.lastname@example.org
You can learn more at https://bit.ly/wbihiring
Meet the Team David Briggs | Co-founder of Tricord Global
Karen Conrad | Vice President of WealthBuilders
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Carolyn Nelson | Administrative Assistant (720) 416-4600 | firstname.lastname@example.org
2021 End of Year Magazine 29
How About Some Sweet Tea? By Karen Conrad
od has blessed me throughout my career with
range from long-term rentals and vacation rentals to
some amazing mentors. My favorite of all time,
a total renovation flip that we are calling The Coastal
hands down, have been Billy and Becky Epperhart with WealthBuilders. Even when I wasn’t working directly for Billy and Becky, they took an interest in my success. Through their mentorship, I learned how to start a successful business, how to build wealth, and how to trust God through challenges. I could never have attained the depth of their wisdom from traditional learning
When God gives an invitation to participate with Him in a venture, He provides everything you need to become a success.
alone. I trust them and I am open to listen and learn
In the process of starting Sweet Tea Properties we
from them on any subject. Through their mentorship, I
utilized Billy and Becky’s guidelines for finding real estate
“caught” wisdom and knowledge that was not available
markets that work financially. Those guidelines provided
to me anywhere else at the time. I can honestly say my
us with the information we needed to study markets and
relationship with Billy and Becky and Wealthbuilders
locate the right area to begin our real estate investing.
has increased the quality of life in my career, family, and
Some examples include: rent ratio to purchase price,
median income calculation for maximum purchase price,
Dave and I find ourselves quoting nuggets to each
cash flow minimums, and cash on cash return.
other from Wealthbuilders seminars and consulting
Once we located a favorable area near us that projected
what we have learned from Billy and Becky before each
the desired returns, we began purchasing properties that
financial decision we face. After moving to the Dallas
are now meeting and exceeding the guidelines in this
area, Dave and I, along with my son Levi, started Sweet
market! It has been a wonderful family venture, and we
Tea Properties with a variety of real estate. Our ventures
are steadily building our portfolio as well as a legacy for
future generations. We are daily grateful for the wisdom
gave us a pattern for accepting an invitation toward
so freely shared by Billy and Becky.
whatever adventure He is offering. He says whoever
The amazing success we are experiencing in this real
comes to Him (in relationship) and hears His words
estate market, thanks again to all we have gleaned from
(receiving ideas, truth and wisdom) then acts upon them
Weathbuilders, has begun to spill over into the ministry
(stepping out in faith) will be building His house on a
side of our lives. We have begun taping our before and
solid foundation. His house will not be shaken and he will
after progress with The Coastal Cottage for a series to be
weather every storm. Let me encourage you to step out in
aired on Liftable TV—Coming Soon. Sweet Tea Hospitality
faith toward that thing the Lord has planted in your heart.
will be a combination of the excitement centered around
He has a unique purpose for your life, and it is a good
purchasing, renovating, and selling property in today’s
market along with the Biblical principles used to become successful in building wealth. My life’s purpose, to bring vision to reality. When it comes to real estate, I love to do that with a designer’s taste
(but not a designer’s price!) I hope to inspire you with my purpose and a foundation in the Word. The principles I learned in business and at Charis Bible College are the same ones I now teach as the Vice President of Wealthbuilders. I also regularly apply these principles in my business consulting, life coaching and entrepreneurial endeavors.
He has a unique purpose for your life and it is a good one!
Billy always says “pay attention to what shows up at your door.” Dave and I have been amazed by the incredible opportunities that have literally come knocking at our door and we haven’t shied away from the hard work that naturally comes with those opportunities. Using my creativity, Dave’s ingenuity, and Levi’s willingness to jump into the middle of anything, Sweet Tea has become an adventure beyond what we could have imagined when we started. When God gives an invitation to participate with Him in a venture, He provides everything you need to become a success, but there is always a certain amount of risk involved. It takes faith to know you are hearing God’s voice and that He is trustworthy. In Luke 6:46-47, Jesus
Scan the QR code to view photos of The Coastal Cottage
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