DLS Consulting


Monday Morning Message, January 4, 2010

Happy New Year to all of you who faithfully read the MMM and pass them along to your family and friends.  One of my favorite clients used to start the New Year by reminding me of all the mistakes I/We had made in the previous year and threatened to do the opposite of what I would recommend in the New Year.  I would have to remind him that we both had our share of mistakes and the value of our relationship was that the two of us together could do a better job than either of us alone.  Thankfully he agreed with that maxim and he not only remained with me for many years but sent me more referrals than any other client.  

Many of you are probably thinking that investing is a topic of great frustration and something to avoid thinking about so early in the year.  Some of you were over invested in stocks when the market was at its highest, and then got out of most of your stocks by March of 2009, just in time to miss a 70% bounce.  Because so many investors have seen their retirement plan accounts decline so severely they are hoping for their employers to return to the old fashioned pension plans.  This trend is not likely to catch on since many employers proved they couldn’t handle the responsibility either as the government has taken over numerous pension plans via the PBGC (Pension Benefit Guaranty Corp.).   

Christian Financial advisors are not smarter than others in the world of investing.  But many of them have taken extra training to integrate Biblical truth and wisdom in how they offer advice.  Will it bring higher returns than a secular advisor?  Not likely.  But will it bring lower returns?  Also not likely!  It may be that now is the time to think about contacting an advisor who shares your faith and will help you better reflect your objectives.  Maybe this year is the year to visit the websites for Kingdom Advisors (www.kingdomadvisors.org) and the National Association of Christian Financial Advisors (www.nacfc.org) and get some ideas of advisors who live in your area who could help you.  This just might be the time to change that upset feeling you get when you think about investing.  Perhaps you will share the same thing that my client and I shared that working together with someone you trust is better than going it alone.  

Proverbs 24:3-5 (RSV) “By wisdom a house is built, and by understanding it is established; by knowledge the rooms are filled with all precious and pleasant riches. A wise man is mightier than a strong man, and a man of knowledge than he who has strength” 


Monday Morning Message Sent 1/4/10


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