Broker Check

Based on Biblical Principles, the individuals of a congregation should be great money managers. Focused on being faithful with the Gifts  (income, savings, assets, time, family, life) of God. Far too many people need guidance in regards to their Retirement Savings, Income, and Legacy and we are here to service this need. Guerra Financial Group has built the Financial Miracle to guide your congregation through Retirement and Legacy decisions. A two-part series consisting of the Financial Miracle Seminar and a 1-on-1 Personalized Planning Session. While the Bible doesn't talk about investment strategies or 401(k) options, the Bible does stress planning for the future. 

Retirement Planning

Proverbs 6:6-8 (NKJV) says "Go to the ant, you sluggard! Consider her ways and be wise, which, having no captain, overseer or ruler, provides her supplies in the summer and gathers her food in the harvest." This verse mentions food won't be around in the winter, so the ants gather it beforehand. They plan for the future. Just like the ant, you need to put aside money now so you can enjoy the benefits of your hard work later. Waiting until you're 60 to start saving isn't the best option. Start early. Once you reach retirement and measure your savings, you have two options: 1) spend it and hope your money lasts through 20-30 years of retirement (eventually having to go back to work), or 2) Use creative retirement strategies that guarantees you lifetime income while protecting your principle from the volatility of the market. Imagine you had only $200,000 saved for retirement, you received $20,000 from social security but you needed $60,000 per year to maintain your standard of living. Unfortunately, you now need to take out $40,000 per year from your savings to supplement your income. It will take only 5 years for you to run out of money. By age 70, you are back working wondering "Where did all my money go?" 

Legacy Planning

Proverbs 13:22 (NKJV) says “A good man leaves an inheritance to his children’s children.” The financial inheritance you leave to your family can be structured in 2 ways:1) Inefficient; Leaving a few properties paid off (when your children will just sell them),  financial assets in bank accounts(without beneficiaries), or setting up retirement accounts without spousal income options. 2) Efficiently; Creating accounts that pass to your family tax-free, placing assets in a trust that avoids probate, or setting retirement accounts that allow your spouse and/or children to receive income after your passing. Imagine you had a $300,000 property paid off and that you wanted to leave to your family (although they were going to sell it once you passed away). With those same $300,000, you can create a Permanent Life Insurance Policy with $700,000 of benefit and leave it to your family Tax-Free. This is just one minor strategy to use for your legacy. Leaving 10% of your Legacy to your church may also be something the congregation would like to explore. 

Get Started On Your Congregation

Name
Email
Phone
Additional Info
Thank you! Oops!















.