Biblically Responsible Investing

A Faithful Financial Journey

Many Christians would say that upholding God’s standards is their first priority, yet what they do with their money may tell a different story. Is there a way for Christians to pursue holiness in their finances, while also being wise investors? Is there a way for “values” to reign, without compromising your growth goals?

Is there more to making money than just making money?

Today’s investment market includes plenty of socially responsible investment (SRI) opportunities for investors with a heart towards social activism, environmental, and other concerns. While there are many funds for various religious organizations, Biblically Responsible Investing (BRI) is different.

Ambassador Advisors and Biblically Responsible Investing

Ambassador Advisors offers only investment opportunities that aligns your resources, beliefs, and values. Our philosophy includes stocks, bonds, and other investments chosen by the Ambassador Advisors Wealth Management Team using Bible-based screening tools. At the same time, our team remains committed to achieve performance goals that match each investor’s risk profile. We believe you shouldn’t have to compromise performance to live your values.

Contact us to receive a consultation to evaluate your existing portfolio.

Contact us

Components of Biblically Responsible Investing

KNOW WHAT YOU ARE INVESTING IN

With Biblically responsible investments, you will know where your investment dollars are going. With our Bible-based screening tools, we can exclude companies that endorse or profit from industries not aligned with your Christian values, including:

  • Abortion
  • Pornography
  • Alcohol or Tobacco
  • Gambling

In addition, our screens extend beyond these more obvious evils into those that are more insidious in their cultural effect:

Where are you located?

Our home office is located off of the Oregon Pike in Lancaster, Pennsylvania. There are directions on our Contact Us page. If you’d like more detailed directions, you may call our office and someone on our administrative staff can assist you. We also have locations up and down the East Coast.

What’s the difference between a fixed and variable annuity?

A fixed annuity is a contract offered by an insurance company that is much like a bank CD. You deposit a certain amount of money and the insurer agrees to pay a certain interest rate over a specified period of time.

A variable annuity differs from a fixed annuity in that inside a variable annuity are investments similar to mutual funds. These investments are called subaccounts, and the value varies based on the performance of the investments.

For more information, read our recent article: Difference Between Fixed and Variable Annuities.

What types of bonds are available?

A bond is a type of investment that serves as a loan from the investor to the government or company, with interest paid annually until the bond matures. The most common classifications of bonds are government bonds, municipal bonds, and corporate bonds. Learn more about bonds in our Bonds 101 article.

What is an ETF?

An exchange-traded fund (ETF) is a diversified collection of assets that can be bought and sold throughout the trading day. ETFs can be an easy-to-use, low cost, and tax-efficient way to invest your money. Learn more about ETFs by reading our article: Exchange Traded Funds 101.

What is a Mutual Fund?

A mutual fund is an investment vehicle made up of a pool of money collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and other areas for increased diversification and decreased risk. Learn more about mutual funds by reading our article Mutual Funds 101.

What are your hours?

Our office is open Monday through Friday, from 8am until 5pm. Holiday hours vary and are subject to change. Our advisors, as previously mentioned, are often here outside of “normal” business hours, when clients request after-hour appointments.

Is there a minimum to open an account?

Unlike some of our competitors, Ambassador Advisors does not require a minimum to open an account with us.

Is there a fee for an initial meeting with an advisor?

Preliminary consultations with one of our advisors is free of charge.

How will I know who is the best person for me to talk to?

You may visit the Meet the Team portion of our website to see key areas that each individual focuses. You may also call in to the office to speak with the administrative staff about your needs. They are qualified to know who is best suited to help, and may be able to assist you themselves.

How was the company started?

Our President, Robert Kauffman, founded the company in 1990, and we have been providing financial planning and money management services to clients for nearly 30 years. Ambassador Advisors manages over $500 million dollars for individuals, businesses, and nonprofit organizations, their employees, directors and donors.

How many people work there?

In our Lancaster office, we have over dozens of advisors and support staff. We also have advisors in our branch offices in Binghamton, NY and Naples, FL, and Fort Myers, FL.

How can I sign up for E-Delivery/view my statements online?

Visit the Online Account Access page to log in to your account. From there, you can choose if you’d like to access an individual or consolidated statement, and it should prompt you to set up a user ID and password, if you haven’t already done so in the past. If you need further assistance, please do not hesitate to call our office.

How big is your client base?

We have been delivering services to a growing number of clients. We currently service over 3,000 businesses, organizations, and families. Although our headquarters is in Lancaster, PA, Ambassador actively serves clients from offices up and down the East Coast and has clients in over 30 states.

How are Mutual Funds Taxed?

Whenever a mutual fund company passes earnings and other payouts to shareholders, they are known as a distribution. The tax treatment of these distributions varies depending on the type of distribution. If you hold shares in a taxable account, you are required to pay taxes on mutual fund distributions, whether the distributions are paid out in cash or reinvested in additional shares.

Learn more about how certain mutual fund distributions are taxed by reading our recent article How are Mutual Funds Taxed?

Do you work with people to create a budget?

Our financial advisors assess the financial needs of individuals and help them with investments (e.g. stocks and bonds), tax diversification, and insurance decisions. Our advisors help clients plan for their long-term goals, such as retirement. We do not create or help aid in budget planning, but we can recommend others to help with this process.

Do you schedule evening or weekend appointments?

Most of our advisors regularly meet outside of our normal office hours. If you’d like to schedule a meeting with an advisor over the weekend, we suggest asking to speak with them directly, as their schedules vary.

Do you prepare Wills, Powers of Attorney, Healthcare Declarations, or trusts?

As a financial firm, we do not offer legal services to our clients. We do work closely with a law firm, Aevitas Law, that does offer such services and we will happily refer you to them.

Do you offer insurance?

Yes, we do! We offer nearly every kind of insurance, outside of property and casualty insurance.

Are there tax advantages of ETFs over Mutual Funds?

While there are similarities, there are tax advantages exchange traded funds (ETFs) hold over mutual funds. Both require shareholders to pay any tax due on income, dividends and short-term capital gains. However, shareholders of ETFs are much less likely to be subject to long-term capital gains distributions. Learn more about the tax advantages of ETFs by reading our recent article Is an ETF Better than a Mutual Fund?

Are drop-in meetings allowed?

Drop-in meetings are not preferred, as we like to take the time necessary to give the highest quality advice, possible. If you do need immediate help, however, you may call us or drop by if you’d like to speak with someone in person.

BELIEF-DRIVEN INVESTING

The Bible is clear that God expects us to put His money to work; after all, it is He who gives us the ability to produce wealth! That said, we are to be holy in all we do. There may not have been a stock market when the Bible was written, but Bible verses like Proverbs 27:23 sternly caution us to know where we are investing and in what.

Closing our eyes to sin that our investments fund is not the solution. Biblically Responsible Investing isn’t just about eliminating “bad” companies from your investment portfolio. Our Wealth Managers are also actively seeking God-honoring investment opportunities that don’t compromise your financial growth goals.

With over 51 million American households — 44% of the population — invested in one or more mutual funds, there is tremendous opportunity for Christians to change their world simply by investing differently.2

  • Over $11 trillion is invested in mutual funds.
  • $3 trillion of that is invested in stocks.3
  • $8.7 trillion is already managed using socially responsible, faith-based or other screening methods.4

1 Source: eVALUEator services 2011
2Source: 2011 Investment Company Fact Book page ii, Investment Company Institute, 1401 H Street, NW Suite 1200, Washington DC
3Source: 2011 Investment Company Fact Book page ii, Investment Company Institute, 1401 H Street, NW Suite 1200, Washington DC
4Source: Forum for Sustainable and Responsible Investment as reported in the March 27, 2017 Wall Street Journal. Special Journal Reports: Wealth Management

Is Your Portfolio Aligned with Biblical Principles?

  • Are you supporting companies that you don’t agree with?
  • How can you be sure your investments are going towards worthy causes?
  • Can your investments have a greater impact?

Schedule a free consultation with the Wealth Management team at Ambassador Advisors, who will look at how well your existing portfolio aligns with your Christian beliefs.