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New York Annual Conference Adult Education Program. Financial Planning with a Christian Perspective It Works : Bequests Now = $3.9 Million, up 680% Prepared by: Ed Ruppmann. Objective Empower our congregation to tithe Develop Endowment Fund raising programs

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New york annual conference adult education program

New York Annual ConferenceAdult Education Program

Financial Planning with a Christian Perspective

It Works : Bequests Now = $3.9 Million, up 680%

Prepared by: Ed Ruppmann


New york annual conference adult education program

  • Objective

    • Empower our congregation to tithe

    • Develop Endowment Fund raising programs

    • Improve Church Operating Budget cash flow

    • Achieve measurable increase in apportionment receipts.


Sower seeds of faith finance

Sower Seeds of Faith & Finance

  • Develop new approach to raise faith consciousness at local Church level

    • Start by commitment of time and talent.

    • Show Pastor and congregation the way

    • In time, donations and bequests will follow.

    • Convince skeptics “the more you give the more you receive.”


Sower seeds of faith finance1

Sower Seeds of Faith & Finance

  • What is Christian Stewardship?

    • GAIN all you can SAVE all you can GIVE all you can

    • Recognizes all life as a trust from God

    • Responsible management of all God-given resources

    • Dedicate a worthy portion of your time, abilities and money for the advancement of Christ’s mission

    • Giving is rewarding and enriches your soul

    • Therefore we lead by example and it will be so:

      “the more you give the more you receive.”


Sower seeds of faith finance2

Sower Seeds of Faith & Finance

  • Our Stewardship Philosophy:

    • We must do more for our congregation.

    • We must demonstrate that we truly care and share our members financial burden.

    • We care so much that we will provide free financial planning and elder care/estate planning services at up to 50% discounts.

    • When we help our congregation get on solid ground it’s a “win-win-win” for everyone.


Sower seeds of faith finance3

Sower Seeds of Faith & Finance

  • Our Stewardship Philosophy Works:

    • We have educated over 800 laity and clergy.

    • We have improved our members livelihood.

    • In turn, people have increased their giving. In the last 9 Months:

      • Bequests have grown from 1/2 Million to

        $3.9 MILLION - UP 680% in 6 years.

      • Free will offerings have grown from $12 thousand to over$61 THOUSAND - UP 63% in 3 years.

      • We have provided financial education to 300+ MORE PEOPLE - UP 220%

    • It’s truly a “win-win-win” for everyone.


Sower seeds of faith finance4

Sower Seeds of Faith & Finance

  • Our Stewardship Philosophy Works:

    • We have several testimonials from pastors.

    • From Rev. Betsy Ott – Ronkonkoma UMC

      • “You're doing a wonderful job. FYI our giving here has gone up in the past year and we are increasing in the number of pledgers. There is a much better sense of stewardship as a way of life and of the need for stability in giving so the church has stability in funding ministries.”

    • It’s truly a “win-win-win” for everyone.


Sower seeds of faith finance5

Sower Seeds of Faith & Finance

  • What’s unique about this program?

  • Not a sales pitch

  • Entirely voluntary – you decide who implements plan

  • Plan for yourself

  • Don’t allow others to make poor decisions for you

  • Get a free 1st or 2nd opinion


Sower seeds of faith finance6

Sower Seeds of Faith & Finance

  • Provide Financial Education Programs

    • Did you know:

      • Medicaid eligibility requires spending your life savings and selling your house to qualify.

      • At 65, 50% will require nursing home stays at a average cost of $100,000 per year.

      • Most people do not save enough for retirement.

      • People work 11,250 days, retirement plan 1 day.

      • At 65+, 55% of US population have income including Social Security below $15,000 per year.


Sower seeds of faith finance7

Sower Seeds of Faith & Finance

  • Provide Financial Education Programs

    • Did you know:

      • Without financial aid, most parents could not send their child to college.

      • College costs are growing at 8 + % each year.

      • Health care costs are climbing at double digit rates.

      • Disposable income has been flat over the last 3 years and for senior citizens it is declining.

      • Disposable income donated to the Church is down but somehow many not-for-profits are thriving.


Sower seeds of faith finance8

Sower Seeds of Faith & Finance

  • Provide Financial Education Programs

    • Did you know:

      • US Govt. estate tax is up to 55% plus 16% NYS estate tax, Income tax average* is 30+% Capital Gains tax is 15%-8%.

      • Giving appreciated stock to the Church is tax free - it’s a “win win” for you and your Church..

      • Leaving a bequest to the Church can eliminate estate taxes.

      • Most people and lawyers do not think about leaving money to the Church when preparing a will.

        *Marginal Rates for NY/CT Metro area including State taxes.


Sower seeds of faith finance9

Sower Seeds of Faith & Finance

  • Provide Financial Education Programs

    • How do we change the mind set?

      • We must educate our congregations about their finances

      • Offer free individual financial & estate planning

      • Highlight areas of concern and develop a plan

      • Implement a plan that enhances financial security

      • Financial stability will lead to capacity and willingness to tithe and consider planned giving.


Sower seeds of faith finance10

Sower Seeds of Faith & Finance

  • Provide Financial Education Programs

    • How do we begin? Select a Church/Cluster and:

      • Educate Pastor, Finance & Trustee Chairperson

      • Explain the planning process

      • Highlight appropriate savings vehicles

      • Discuss importance of starting early

      • Impact of inflation and taxation on savings


Sower seeds of faith finance11

Sower Seeds of Faith & Finance

  • Provide Financial Education Programs

    • How do we begin? Select a Church and:

      • Appoint coordinators to bring congregation together and offer similar services to all Church members

      • Promote awareness that our Church provides valuable services at no cost to the congregation

      • Promote seminar, insert fliers in Bulletin and mail invitations to Church members.

      • Conduct seminars at cluster level (3-6 Church groups)

      • Then we pray that people show up.


Sower seeds of faith finance12

Sower Seeds of Faith & Finance

  • Provide Financial Education Programs

    • What’s next? For those who are interested:

      • Construct personal financial plans that examine their unique individual needs. Individuals need to:

        • Provide income and expense data

        • Provide net worth data

        • Provide insurance coverage data

        • Provide risk appetite information

        • Discuss Elder Care and Estate Planning concerns


Sower seeds of faith finance13

Sower Seeds of Faith & Finance

  • Provide Financial Education Programs

    • Develop Financial Needs Analysis Plan

      • How much can I save with no change in life style?

      • How much do I need to save for college?

      • Will I have retirement savings to last until age 90?

      • Can I reduce insurance costs & invest the difference?

      • Are investment plans consistent with risk appetite?

      • How can I protect my life savings from Medicaid?

      • How can I transfer my life savings to my family and Church without paying 50+% tax to Uncle Sam?


Sower seeds of faith finance14

Sower Seeds of Faith & Finance

  • Provide Financial Education Programs

    • Execute the Financial Needs Analysis Plan Short Term:

      • Develop individual financial plans free of charge

      • Plan completion will compel goodwill thinking

      • Gladly accept a one time donation to our Church or Conference

      • Increased savings potential will create stability

      • Financial stability will increase tithing & planned giving


Sower seeds of faith finance15

Sower Seeds of Faith & Finance

  • Provide Financial Education Programs

    • Execute the Financial Needs Analysis Plan Long Term:

      • Increased savings potential will create stability

      • Financial stability will increase tithing

      • Elder Care Plans will compel one time donations

      • Estate Plans will permit bequest potential

      • Creation of secure retirement will allow bequest potential, providing Endowment Fund growth for years to come


Sower seeds of faith finance16

Sower Seeds of Faith & Finance

  • Provide Financial Education Programs

  • Conclusion:

  • “The more you give, the more you receive.”

    • Encourage sharing professional talents and skills within your congregation

    • This is a “win-win-win” for everyone;

      • Conference and Church Benefit,

      • Clergy and Congregation Benefit,

      • Professionals providing services Benefit


Sower seeds of faith finance17

Sower Seeds of Faith & Finance

  • How Do I Sign Up:

    • Check Seminar Sign Up Sheet.

    • Coordinate a seminar for your church - talk to your pastor and set a date on the church calendar. Seminars are 3 hours.

    • Communicate importance of event to leadership.

    • Appoint a coordinator, preferably laity

    • Insert flyers into bulletin 4 weeks before seminar.

    • Talk it up – need an average of 20 families to insure success.

    • Any questions call Ed Ruppmann on 516 364-1151.


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