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Commonwealth Church Finance. McDonough, Georgia. Matt Lankford - (877) 777-8884 [email protected] Dwaine Unruh – (800)-322-3665 [email protected] 677 Jonesboro Rd., McDonough, GA 30253. Commonwealth Church Finance.

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Commonwealth

Church Finance

McDonough, Georgia

Matt Lankford - (877) 777-8884

[email protected]

Dwaine Unruh – (800)-322-3665

[email protected]

677 Jonesboro Rd., McDonough, GA 30253


Commonwealth

Church Finance

VISION & MISSION STATEMENTS

  • Commonwealth Vision Statement

    Commonwealth exists to work with people and churches who are willing to sow seeds that lead to harvest and who recognize that the work place is holy and fertile ground.  We believe God’s vision for Commonwealth is to grow His Kingdom by growing churches.

  • Commonwealth Mission Statement

    Commonwealth’s mission is to support its vision by providing financial services to churches and promoting morally responsible investment opportunities while conducting business in a God honoring way within the Commonwealth Family and with the public.


Commonwealth

Church Finance

  • Established in 1981

  • To date, approximately 600 issues totaling over One Half Billion Dollars in church financing.

  • Member FINRA, SIPC, NACIFO


- Bank -

How does this work?

Bank Financing:

Less than 2%

- Investors - (Church members, family, friends)

8 - 9%


- Investors - (Church members, family, friends)

How does this work?

Bond Financing:

5% – 7%

7% Fixed


Different Kinds of Money

Savings

Tithes

Investments

Offerings

Certificates of Deposit

Mortgage/Rent

401(k)

Bills

Traditional IRAs

Insurance

Food

Roth IRAs

Charity

College Funds

Etc.

Etc.


How protected is my investment?

  • Mortgage position on the real estate

    • Certified Appraisal

Security measures lie in two places:

  • You

    • Strength and reputation of the church


When is my investment returned and how much will I receive?

  • Interest Rate and Type

    • Growth and Income bonds available

    • Fixed rate and type dependent on maturity date

  • Maturity Date

    • Choose maturity dates to fit your investment objectives


Compound Interest and the Rule of 72

  • Average Return 3%

  • Age

  • 20$1,000

  • 44$2,000

  • 68$4,000

  • 80$6,000

  • Average Return 7.0%

  • Age

  • 20 $1,000

  • 30$2,000

  • 40 $4,000

  • 50$8,000

  • 61 $16,000

  • 71 $32,000

  • 81 $64,000


Customized Investment Plan

$10,000 Ladder for 8 Years

Purchase AmountRateType TermMaturity Value**

$2,7506.00%CI 5.0 $ 3,695.77

$2,5006.25%CI6.0$ 3,616.66

$2,5006.50%CI7.0$ 3,912.02

$2,2506.75%CI8.0$ 3,826.76

Total Invested: $10,000

Total Value: $15,051.21

CI = Compound Interest

EXAMPLE ONLY:

** Maturity Value assumes bonds are held to maturity. Compound interest pays principal and interest at maturity.


Customized Investment Plan

$40,000 Ladder for 16.5 Years

Purchase Amount Rate Type Term Maturity Value**

$6,0006.50%CI 7.0 $ 9,388.84

$5,5006.75%CI 8.0 $ 9,354.30

$5,0006.75% CI 9.0 $ 9,087.61

$4,7507.00% CI 10.5 $ 9,782.30

$4,5007.25% CI 12.5 $10,960.39

$4,2507.25% CI 13.5$11,115.56

$4,0007.25%CI14.5$11,233.93

$3,7507.25%CI15.5$10,913.59

$2,2507.25%CI16.5$ 7,286.39

Total Invested: $40,000

Total Value: $89,122.91

CI = Compound Interest

EXAMPLE ONLY:

** Maturity Value assumes bonds are held to maturity. Compound interest pays principal and interest at maturity.


Customized Investment Plan

$100,000 Ladder for 21.5 Years

Purchase Amount Rate Type Term Maturity Value**

$11,5007.00%CI 10.5 $ 23,683.46

$11,0007.25%CI 12.5 $ 26,792.07

$10,7507.25% CI13.5 $ 28,115.84

$10,5007.25% CI 14.5 $ 29,489.07

$10,0007.25% CI 15.5 $ 30,157.88

$ 9,7507.25% CI 16.5$ 31,574.61

$ 8,0007.25%CI17.5$ 27,819.48

$ 7,5007.25%CI18.5$ 28,005.89

$ 7,0007.25%CI19.5$ 28,068.24$ 6,5007.50%CI20.5 $ 29,405.30$ 7,5007.50%CI21.5$ 35,201.54

Total Invested: $100,000

Total Value: $318,313.38

CI = Compound Interest

EXAMPLE ONLY:

** Maturity Value assumes bonds are held to maturity. Compound interest pays principal and interest at maturity.


Different Ways to Buy Church Bonds

  • Single ownership

  • Joint ownership (Joint tenants or Transfer on Death)

  • Trust or corporation

  • Uniform Gift to Minors (education)

  • Traditional IRA* (Roll-overs, transfers, or new contributions)

  • Roth IRA* (Transfers or new contributions)

    * $45 annual maintenance fee for IRA accounts


What to bring to your appointment

  • Drivers License

  • Social Security Numbers of all beneficiaries

  • Trust Documents

  • IRA or 401(k) statements

  • Checkbook


Build something that will last

John 4:6 - “Jacob’s well was there…”


Timeline

  • Make your appointment NOW


Questions & Answers(Commonwealth Agents are available to answer individual questions)


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