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Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Recently I peddled by a cemetery in the countryside on my bike. The cemetery prompted me to try and recall customers, friends, and others with whom I worked over the years that have since passed from earthly life. I estimate that I recalled more than a hundred names. It is good to remember those we have worked with, loved and enjoyed. But striving to be remembered is not our main assignment from Jesus.
There is a song titled “Only Jesus” that can remind us of Who our lives should help others remember. Mark Hall, Matthew West and Bernie Herms wrote down the song. A portion of their lyrics say,
“I don’t care if they remember me
Only Jesus
And, I’ve only got one life to live
I’ll let every second point to Him
Only Jesus”
For me this song helps remind me to live out Galatians 2:20. That verse reads, “My old self has been crucified with Christ. It is no longer I who live, but Christ lives in me. So I live in this earthly body by trusting in the Son of God, who loved me and gave Himself for me.”
Happy living remembering Jesus and helping others to remember Jesus.
Doug Johnson
President
“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Proverbs 21:5
This month we pick up with where we left off on our seven ideas for Faithful Finances with #4:
Quality, diverse investments spread your money across different assets—like stocks, bonds, and other asset classes—reducing risk and increasing stability. Just as a balanced diet supports health, a diversified portfolio supports long-term financial growth. It protects you when one area underperforms and helps you benefit from multiple opportunities. Diversifying isn’t just smart—it’s essential for resilient investing.
Using mutual funds and exchange traded funds, you can diversify small amounts in multiple companies and asset classes.
Remember, investing is not about getting rich quickly. It’s about growing your resources over time so you can provide for your family, support your church, and bless others. Ecclesiastes 11:2 encourages diversification: “Invest in seven ventures, yes, in eight, you do not know what disaster may come upon the land.”
Markets rise and fall, but God’s faithfulness remains constant. Don’t let fear drive you to pull out of investments during downturns, and don’t let greed tempt you into risky ventures. Stick to your plan, trust the process, and remember that your ultimate security is in Jesus, not your portfolio.
Jesus warned in Luke 12:15, “Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.” Let this truth anchor your heart as you navigate financial decisions.
Proverbs 15:22, my signature verse says, “Plans fail for lack of counsel, but with many advisors they succeed.” Don’t be afraid to ask for help. Speak with a financial advisor, attend a stewardship class at your church, or read biblically grounded books on money management. Feel free to meet with one of Guaranty’s advisors to let us help you get started on your path to financial freedom. God did not create us to be alone. Surround yourself with a community that encourages wise financial habits and holds you accountable to your goals.
Saving and investing are long-term commitments made up of daily steps. Celebrate small milestones—your first $1,000 saved, your first investment return, or paying off a debt. These victories build momentum and remind you that diligence pays off. Consider automatic deductions from your paycheck for monthly contributions to your emergency fund, IRA or work sponsored plan.
When setbacks come—and they will—don’t be discouraged. Return to prayer, revisit your goals, and keep moving forward. Galatians 6:9 encourages us: “Let us not grow weary of doing good, for in due season we will reap, if we do not give up.”
Saving and investing are not just financial strategies—they are spiritual disciplines that reflect our trust in God and our desire to honor Him with all we have. By starting small, staying consistent, and keeping your eyes on eternal values, you can build a future that blesses your family, your community, and the Kingdom of God.
Let your financial journey be a testimony of faith, diligence, and generosity. After all, the goal isn’t just to grow wealth—it’s to grow in wisdom and grace.
Shannon McDowell, JD, CTFA
Vice President & Trust Officer
Without counsel plans fail, but with many advisors they succeed. Proverbs 15:22