Retirement Planning Rooted in Faith
Your faith shapes how you live, how you give and what you hope to leave behind. Your retirement plan should reflect it too. We help Christian families provide for those they love, plan income, invest with their values in mind and build a legacy that lasts beyond one lifetime.
Stewardship, Not Just Strategy
Scripture talks about money throughout, and when it does, it often points to the heart behind it. We see wealth as something entrusted to you for a season. Good planning helps you care for your family, live without fear of running out and stay generous along the way.
That changes the questions we start with. Before we talk about returns, we talk about what matters to you and the people and causes you want to support.
- A retirement income plan that lets you live generously, not anxiously
- Investments chosen with your convictions in mind
- Giving built into the plan, not left to whatever is left over
- A clear plan for passing on wealth and values to the next generation
Moreover it is required in stewards, that a man be found faithful.
1 Corinthians 4:2
Investing That Reflects Your Values
For many believers, it matters what they own, not just how it performs. If you want your portfolio to reflect your convictions, we can screen the funds we use against faith-based criteria and avoid companies whose business conflicts with your values.
Jesus told the parable of the talents about servants who were trusted with their master’s money. The ones who put it to work wisely were praised, and the one who buried it out of fear was not. We take that seriously. Values-based investing is one part of a sound plan, not a replacement for it. Your portfolio still has to support your income, manage risk and stay diversified, and we will be open with you about the tradeoffs.
- We can screen funds to avoid industries you choose not to support
- Portfolios still built around your income needs, timeline and risk
- Plain talk about how screening can affect costs and performance
- Your choice: screened, unscreened or somewhere in between
- Investing that serves your legacy, with estate planning built into the plan
Give a portion to seven, and also to eight; for thou knowest not what evil shall be upon the earth.
Ecclesiastes 11:2
Generosity and Legacy
Generosity is one of the clearest ways faith shows up in a financial plan. With the right approach you may be able to give more, give smarter and see the impact while you are here to enjoy it.
We plan your giving alongside your income and investments, and we coordinate with your CPA and attorney so everything fits together.
- Giving directly from an IRA through qualified charitable distributions
- Donor-advised funds for planned, flexible giving
- Gifting appreciated investments instead of cash
- Naming your church or ministries as beneficiaries
- Preparing your children and grandchildren to receive an inheritance well
A legacy also needs a solid estate plan. Through our partnership with Wealth.com, we can help you put a clear, legally sound plan in place without the usual cost and hassle, and keep it in step with your investments as life changes.
- Wills and trusts created and kept up to date
- Beneficiary designations reviewed so accounts go where you intend
- Investments managed with your heirs and their timeline in mind
- Learn more about our estate planning
A good man leaveth an inheritance to his children’s children.
Proverbs 13:22
Every man according as he purposeth in his heart, so let him give; not grudgingly, or of necessity: for God loveth a cheerful giver.
2 Corinthians 9:7
Why Families Choose P.R. Curtman Investments
Paul Curtman founded P.R. Curtman Investments to give families honest, personal advice from someone who shares their values. He is a former U.S. Marine infantry squad leader, served eight years in the Missouri House of Representatives as Chairman of the Ways and Means Committee, and has worked in the financial industry since 2008. He and his wife have five children.
- Fee-only, so we do better when you do better
- A fiduciary, required to act in your best interest
- Based in Milton, Florida, serving the Panhandle, Missouri and clients nationwide by phone and video
- A personal relationship with Paul, not a call center
His lord said unto him, Well done, thou good and faithful servant: thou hast been faithful over a few things, I will make thee ruler over many things.
Matthew 25:21
Let’s Talk About Your Plan
A free 15-minute call is the easiest way to start. Tell us what is on your mind and we will tell you honestly whether we are a good fit. No cost, no pressure and no obligation.
P.R. Curtman Investments is a registered investment adviser. Registration does not imply a certain level of skill or training. Faith-based or values-based screening may cause a portfolio to perform differently, and to have different costs, than a portfolio without screens. This page is general education, not individualized investment, tax or legal advice. We do not prepare taxes or give tax advice; please consult your tax professional. Images via Unsplash.
