Commonwealth
Church Finance
McDonough, Georgia
Matt Lankford - (877) 777-8884
mlankford@commonwealthchurchfinance.com
Dwaine Unruh – (800)-322-3665
dunruh@commonwealthchurchfinance.com
677 Jonesboro Rd., McDonough, GA 30253
Commonwealth
Church Finance
VISION & MISSION STATEMENTS
• Commonwealth Vision Statement
Commonwealth exists to work with people and churches who are
willing to sow seeds that lead to harvest and who recognize that the
work place is holy and fertile ground. We believe God’s vision for
Commonwealth is to grow His Kingdom by growing churches.
• Commonwealth Mission Statement
Commonwealth’s mission is to support its vision by providing
financial services to churches and promoting morally responsible
investment opportunities while conducting business in a God
honoring way within the Commonwealth Family and with the public.
Commonwealth
Church Finance
• Established in 1981
• To date, approximately 600 issues totaling
over One Half Billion Dollars in church
financing.
• Member FINRA, SIPC, NACIFO
How does this work?
Bank Financing:
- Investors - (Church
members, family, friends)
- Bank -
How does this work?
Bond Financing:
- Investors - (Church
members, family, friends)
Different Kinds of
Money
Savings
Tithes
Investments
Offerings
Mortgage/Rent
Certificates of
Deposit
Bills
401(k)
Insurance
Food
Charity
Etc.
Traditional IRAs
Roth IRAs
College Funds
Etc.
How protected is my
investment?
Security measures lie in two places:
• You
– Strength and reputation of the church
• Mortgage position on the real estate
– Certified Appraisal
When is my investment
returned and how much
will I receive?
• Maturity Date
– Choose maturity dates to fit your investment
objectives
• Interest Rate and Type
– Growth and Income bonds available
– Fixed rate and type dependent on maturity
date
Compound Interest and
the Rule of 72
Average Return 3%
Age
• 20
$1,000
• 44
$2,000
• 68
$4,000
• 80
$6,000
Average Return 7.0%
Age
• 20
$1,000
• 30
$2,000
• 40
$4,000
• 50
$8,000
• 61
$16,000
• 71
$32,000
• 81
$64,000
Customized Investment
Plan
$10,000 Ladder for 8 Years
EXAMPLE ONLY:
Purchase Amount Rate
$2,750
$2,500
$2,500
$2,250
6.00%
6.25%
6.50%
6.75%
Type
CI
CI
CI
CI
Term
5.0
6.0
7.0
8.0
Maturity Value**
$ 3,695.77
$ 3,616.66
$ 3,912.02
$ 3,826.76
Total Invested: $10,000
Total Value: $15,051.21
CI = Compound Interest
** Maturity Value assumes bonds are held to maturity. Compound interest pays
principal and interest at maturity.
Customized Investment
Plan
$40,000 Ladder for 16.5 Years
EXAMPLE ONLY:
Purchase Amount
$6,000
$5,500
$5,000
$4,750
$4,500
$4,250
$4,000
$3,750
$2,250
Rate
6.50%
6.75%
6.75%
7.00%
7.25%
7.25%
7.25%
7.25%
7.25%
Type
CI
CI
CI
CI
CI
CI
CI
CI
CI
Term
7.0
8.0
9.0
10.5
12.5
13.5
14.5
15.5
16.5
Maturity Value**
$ 9,388.84
$ 9,354.30
$ 9,087.61
$ 9,782.30
$10,960.39
$11,115.56
$11,233.93
$10,913.59
$ 7,286.39
Total Invested: $40,000
Total Value: $89,122.91
CI = Compound Interest
** Maturity Value assumes bonds are held to maturity. Compound interest pays
principal and interest at maturity.
Customized Investment
Plan
$100,000 Ladder for 21.5 Years
EXAMPLE ONLY:
Purchase Amount
$11,500
$11,000
$10,750
$10,500
$10,000
$ 9,750
$ 8,000
$ 7,500
$ 7,000
$ 6,500
$ 7,500
Rate
7.00%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.50%
7.50%
Type
CI
CI
CI
CI
CI
CI
CI
CI
CI
CI
CI
Term
10.5
12.5
13.5
14.5
15.5
16.5
17.5
18.5
19.5
20.5
21.5
Maturity Value**
$ 23,683.46
$ 26,792.07
$ 28,115.84
$ 29,489.07
$ 30,157.88
$ 31,574.61
$ 27,819.48
$ 28,005.89
$ 28,068.24
$ 29,405.30
$ 35,201.54
Total Invested: $100,000
Total Value: $318,313.38
CI = Compound Interest
** Maturity Value assumes bonds are held to maturity. Compound interest pays
principal and interest at maturity.
Different Ways to Buy
Church Bonds
•
•
•
•
•
•
Single ownership
Joint ownership (Joint tenants or Transfer on Death)
Trust or corporation
Uniform Gift to Minors (education)
Traditional IRA* (Roll-overs, transfers, or new contributions)
Roth IRA* (Transfers or new contributions)
* $45 annual maintenance fee for IRA accounts
What to bring to your
appointment
•
•
•
•
•
Drivers License
Social Security Numbers of all beneficiaries
Trust Documents
IRA or 401(k) statements
Checkbook
Build something that will
last
John 4:6 - “Jacob’s well was there…”
Timeline
• Make your appointment NOW
Questions & Answers
(Commonwealth Agents are available to
answer individual questions)