Why a Trust Company?

    In 1978, the Evangelical Covenant Church established Covenant Estate Planning Services to enable those with a love for Covenant ministries to make significant legacy gifts through stewardship-centered estate plans and provide management for those dollars in a professional and effective way. Over time, it became evident that there was also a need to…

Brexit Strategy

  Looking back a week after the unexpected vote by Great Britain to exit the European Union, it is easy to observe the great uncertainty that vote caused, both politically and economically. With it, there was global market volatility as well. The US stock market (as measured here by the DJIA) went down nearly 5%…

Focusing on the long term

  “What are you doing to prepare for the November election?” the board member asked us. The CTC investment team was at the recent meeting to discuss the charity’s investment results year to date and what, if any, changes were being made to its portfolio. “Are you going to cash?” This question is being asked in…

The Fiduciary Rule

The US government is doing something positive for retirement investors. The Department of Labor is putting out a new rule for financial advisors who provide investment advice on retirement investments:  they have to act in the best financial interest of the client and they have to disclose any conflicts they may have. This is called…

CTC Podcast Ep. 4: finances during and after college

A person’s college and post-college years can be financially difficult and frustrating. It’s likely the first time they are responsible for rent, groceries, utility bills, perhaps even car payments and likely student debt — all while trying to finish school or find a full-time job to support themselves. So how do people do it? In our latest podcast, CTC employees AJ…