On faith, stewardship, and the ‘emotional’ aspect of money
● Financial resources for 2025
● Why quality clothing beats fast fashion
MS Christian Living, Inc.
Ginn
Chris Bates, Nicole Brown, Dr. Chris Kneip, Karen Morris, Sarah Rein
COVER PHOTOGRAPHY
Stegall Imagery
DISTRIBUTION ASSISTANTS
Nettie Williams, Jerri and Sammy Strickland, Rachel and Bob Whatley
Christian Living
mschristianliving.com
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Christmas 2024 with my favorite people! From left: Katie and Stephen Ginn, my brother Austin and Bailey Eubanks, and my parents, Debby and Cliff Eubanks.
Put your mouth (and your money) where your heart is
Ijust read a book called “Half Broke Horses,” a true story about a cattle ranching woman named Lily Casey Smith, who was helping her dad break horses by age 6. Lily was the oldest of three siblings, her dad walked with a limp, and her mom was not cut out for ranch life. So Lily needed to be “useful,” and she was.
She also endured a lot of trauma and tough times, which added to her already practical mindset — to the point of making her fearful. After her beautiful sister, Helen, committed suicide in the wake of an unplanned pregnancy, Lily believed Helen’s beauty had been a curse.
Lily resolved never to tell her own daughter, Rosemary, that she was beautiful. That way, maybe, Rosemary would avoid Helen’s fate. Besides, what use was it to be pretty? Beauty couldn’t brand cattle or keep you warm in a blizzard. Lily would rather Rosemary be resourceful than gorgeous. To Lily’s chagrin, her daughter was both.
Fear can make us do (or not do) a lot of things. Out of fear, we fail to tell our loved ones how much they mean to us. Maybe we’re afraid of sounding silly. Maybe we’re afraid if we actually express our fullest delight in someone, we’ll be more heartbroken if we lose them. Maybe, like Lily, we’re afraid we’ll curse someone (or just give them a big head) by complimenting them too much.
But let’s look at how God expresses His love for us in scripture:
‘For the mountains may move and the hills disappear, but even then my faithful love for you will remain. My covenant of blessing will never be broken,’ says the Lord, who has mercy on you.
– Isaiah 54:10, NLT
The Lord thy God in the midst of thee is mighty; he will save, he will rejoice over thee with joy; he will rest in his love, he will joy over thee with singing. – Zephaniah 3:17, KJV
Do not be afraid and anxious, little flock, for it is your Father’s good pleasure to give you the kingdom. – Luke 12:32, AMP
God’s love for us outlasts the mountains and hills. He rejoices and sings over us. He is delighted to save us. And He makes sure to tell us all that. Let’s try and imitate His expressive example with our own loved ones.
This edition of MCL has an emphasis on money and stewardship — how to use the financial resources God has given us on this side of eternity. We share lots of practical wisdom in our cover and feature stories. But let’s not forget what the point of all that wisdom is. The greatest commandment is to love God with all our heart, soul, mind, and strength, and to love our neighbor as ourselves (Matthew 22:36-40). If our use of money doesn’t reflect that love, we’ve missed the mark. Just as we seek to verbally express our love for others, let’s put our money where our mouth is.
I’m not saying there’s not a practical side. In all things, we need to ask God for wisdom (James 1:5). But I heard someone say recently, “There’s only one thing you can take to heaven with you: People.” Not money or the things it can buy.
We can’t afford to love money very much (1 Timothy 6:10) — but we can’t afford not to love God and people. Y
Katie Ginn katie@mschristianliving.com
Stewarding blessings and trials for His glory
We could explain stewardship, in simple terms, as the way that we manage what God has given to us. The Lord, in His kindness and providence, bestows many things on His children. And His Word says that, if we love Him, He will work everything for our good.
Which begs the question: What is good for us? The world tells us that pursuing what makes us happy and discovering our truest selves are the ultimate good. Actually, I don’t even have to look to the media or society to tell me that. My own sinful heart tempts me to put myself first.
Our school recently had a speaker remind us of Psalm 34:8: “Oh, taste and see that the Lord is good! Blessed is the man who takes refuge in him!” But she pointed out that something good for you might not always taste great. Compared to pizza, arugula might not seem tasty, even though it’s more nourishing. Medicine is bitter
Whatever stage(s) your kids are in, steward them well!
compared to candy, but it is far more effective at fighting an infection.
I look around my community, and I see families faced with infertility, job losses, and incurable cancers — many of these affecting faithful followers of Christ. In our own home, we face uncertainty about important decisions and worries over our children’s choices. We struggle to trust God with our finances and our future. What loving God would allow these things? One who knows that being transformed into the image of Christ is what is good for us.
Christian, how will you steward what God has given to you? Some of it tastes so sweet. What a generous Father we have who gives us the glory of a sunset, the cheery warmth of a fire with friends around it, or the delight of singing praises with the saints each Sunday. He is the same Father who allows us to face heartache and frustration. Steward all of it well.
Are you in a place of financial abundance, or is your income more limited than you’d like? Use it well. Are you in the little kid years, lugging diaper bags and snacks everywhere, or are you in the teen years that are passing frighteningly quickly? Use them well. Are you relatively healthy and able to serve your church family, or are you plagued by chronic pain or an aging body? Use that well.
In J.R.R. Tolkien’s “The Lord of the Rings,” the protagonist, a hobbit named Frodo, laments to his friend Gandalf the circumstances that have endangered his life and the world he loves. Let Gandalf’s response encourage you to embrace what comes from the hand of your loving God.
“I wish it need not have happened in my time,” said Frodo.
“So do I,” said Gandalf, “and so do all who live to see such times. But that is not for them to decide. All we have to decide is what to do with the time that is given us.”
God, help us to manage skillfully all the things You entrust to Your children. May we labor to use wisely the physical resources of time, wealth, and skills. And may we trust You when You use suffering to produce endurance, character, and a hope that does not disappoint. Y
Sarah Rein and her husband, Trey, are raising their four children in Brandon, where Trey is a school principal and Sarah is home a LOT. Luckily she’s an introvert who enjoys reading and learning about new things and people. The Reins love their church family at Lakeside Presbyterian and coffee.
Why quality clothing beats fast fashion
“ Quality clothing (means) garments that withstand wear and tear. I think about my first pair of work pants that I purchased back in 2013 from LOFT that I kept for years before I took them to Goodwill.”
It’s a new year, and I love to take the time to evaluate my closet, trends, and the color of the year — which for 2025 is shades of brown, which I’m really excited about! I have always enjoyed fashion after discovering my sense of style right out of college as I entered into the “corporate” world, and over the past few years, I’ve quickly learned that quality clothing wins every time.
Some may wonder if quality is worth the extra dollars, and as someone who unfortunately does not have an unlimited bank account, I have mastered the art of quality clothing that’s affordable. Let’s talk about it, shall we?
Fast fashion. It’s everywhere. Cheap, trendy clothes that vanish as quickly as they appear. I’m talking about Temu, Shein, Ama— OK, you get it. But is it really worth it? While the allure of a $10 dress is strong, the reality is that prioritizing quality clothing offers a far greater return on your hard-earned investment.
Quality clothing lasts longer. Better fabrics, stronger stitching, and thoughtful construction mean garments that withstand wear and tear. I think about my first pair of work pants that I purchased back in 2013 from LOFT that I kept for years before I took them to Goodwill because I could no longer fit them. I have found that if I pay a little more for a few basic pieces, I’ll spend less time replacing the basics and more time enjoying them. This translates to significant cost savings and a happy wallet in the long run.
Investing in quality often means investing in ethical production. Many fast fashion brands rely on exploitative labor practices and contribute to environmental damage. By choosing brands that prioritize sustainability and fair labor, you’re supporting a more ethical and responsible fashion industry. If you have some time this weekend, consider watching “Buy Now” on Netflix for a visual aid of what happens with the over-consumption of things we buy (yes, I’m still guilty in that area) and how fast fashion is discarded. It’s truly mind-opening!
One of my favorite parts of quality clothing often reflects better design. Classic cuts, timeless silhouettes, and high-quality materials create pieces that are both stylish and versatile. I’m thinking of my go-to brands like Spanx and Tuckernuck, often duplicated but never truly replicated due to their quality and unique cuts! They can be mixed and matched with ease, creating endless outfit possibilities and ensuring your wardrobe remains fresh and exciting. I’m thinking of some pieces now that I can pull out every season and they never truly go out of style.
Finally, quality clothing simply feels better. Soft, luxurious fabrics against your skin, a perfectly tailored fit — these are the foundations of a truly well-made garment. The confidence that
comes from wearing something that feels good is priceless. I shared a great basic staple dress from Spanx on my socials and spoke to the quality of the dress and how it can be a go-to for many years. The dress was also on major sale, under $50, but felt like a $200 dress! So, the next time you’re tempted by a fleeting trend, consider this: Is it worth sacrificing quality, ethics, and longterm satisfaction for a momentary thrill? The answer is clear. Invest in quality clothing and reap the rewards for years to come.
Key takeaways
• Durability: Quality clothing lasts longer, saving you money over time and staying on trend the classic way.
• Ethics: Support ethical and sustainable production practices.
• Versatility: Timeless designs offer endless outfit possibilities. Think lots of black, navy, white, and brown.
• Comfort: Experience the superior feel of high-quality fabrics and construction. That buttery soft feeling, cool wick fabrics, etc.
In my next article, I’ll share five staples everyone should have in their closet, along with top brands that source ethically in their fabrics! In the meantime, follow me on social media for style inspo for the everyday!
XOXO, Nicole Brown
Lelia’s Southern Charm Y
Nicole Brown, the creative force behind Lelia’s Southern Charm, believes in the power of joyful dressing. This human resources professional channels her passion for fashion into inspiring content, sharing her latest finds, Pinterest-worthy outfits, and local favorites with her followers. When not curating her digital closet, she’s exploring new destinations and cultivating a community that celebrates finding the joy in the everyday! Find her at LeliasSouthernCharm.com, @leliassoutherncharm on Instagram or TikTok, and Lelia’s Southern Charm on Facebook and Pinterest.
5
ways to protect your heart and joints at the same time
February is Heart Health Month — and while it may seem surprising for an orthopedic doctor to discuss heart health, the connection between musculoskeletal wellness and cardiovascular health is significant. As orthopedic surgeons, we see firsthand how physical activity and overall fitness impact both joint health and heart health.
Staying active is one of the most effective ways to support heart health, and it also plays a vital role in maintaining strong bones, muscles, and joints. However, chronic joint pain, arthritis, or sports injuries can often be barriers to staying active. Unfortunately, inactivity can negatively affect both heart health and musculoskeletal health, creating a cycle that can be challenging to break.
If joint pain is limiting your ability to stay active, treatments such as physical therapy, joint injections, and minimally invasive procedures can often restore mobility, reduce discomfort, and empower patients to maintain an active lifestyle.
Beyond professional care, there are several steps individuals can take to protect both their heart and joint health: 1. Low-impact exercise: Activities like walking, swimming, and cycling provide
2. Strength training: Building muscle strength through resistance exercises can stabilize joints, reduce the risk of injuries, and support heart health by enhancing metabolism and circulation.
3. Flexibility and balance exercises: Incorporating activities like yoga or stretching improves flexibility and balance, reducing fall risks and supporting overall mobility.
4. Weight management: Maintaining a healthy weight reduces strain on both the heart and weight-bearing joints. Excess weight can contribute to joint degeneration and cardiovascular issues such as hypertension and diabetes.
5. Healthy nutrition: A balanced diet rich in fruits, vegetables, and lean proteins supports both heart and bone health. Antiinflammatory foods such as leafy greens, berries, and nuts can help manage joint pain and promote cardiovascular wellness. Prevention is key when it comes to both heart and joint health. Scheduling regular check-ups with your healthcare providers can help catch potential issues early. At Capital Ortho, we encourage everyone to assess their activity levels and make small, sustainable changes toward a healthier
lifestyle. Whether it’s finding the right exercise routine or addressing joint discomfort that may be holding you back, we’re here to support your journey to better health.
Remember, a strong heart and healthy joints go hand in hand. By staying active and prioritizing both cardiovascular and musculoskeletal wellness, you can enjoy a fuller, healthier life at every age.
Capital Ortho is your trusted expert for orthopedic care across central Mississippi. They offer comprehensive orthopedic services, including in-office orthopedic care, surgical procedures, physical and occupational therapy, and on-site imaging. Their team is committed to providing high-quality treatment and personalized care to help patients move better and live better! Learn more at capitalortho.com. Y
Dr. Chris Kneip, a sports medicine fellowship-trained orthopedic surgeon, joined the team at Capital Ortho in 2011. He is Board Certified by the American Board of Orthopedic Surgeons. Dr. Kneip and his wife have four children, whom he loves supporting in everything they do. He shares, “The most rewarding part of my job is helping someone get back to doing the things they love.”
excellent cardiovascular benefits while being gentle on the joints.
Life’s transitions
We set out early on a beautiful clear fall morning to explore Gunnison National Park in western Colorado, excited about fly fishing on the Taylor River. Our group of five decided to split up, each choosing different sections of the river. I opted for a lower stretch with sharp bends and steeper embankments. It promised more challenges but also the potential for bigger trout.
I spent the morning casting in the straighter, shallower areas, catching several trout near small boulders and drop-offs. As the sun climbed higher, the fish began retreating to deeper pockets along the river’s turns. Moving upriver, I entered a small canyon with massive boulders and a sharp bend — ideal spots for bigger fish. However, transitioning through the fast current to reach those spots was a challenge. I knew that my casts would need to be precise, all while maintaining balance in the quick water flow.
After multiple attempts, my fly was taken by the biggest rainbow trout of the day. It was a moment every fly fisherman dreams of. After the catch, though, the return crossing proved even tougher, having to go partially into the currents. I had two falls in the river, leaving me soaked, bruised, and short a few
pieces of gear lost to the swift water. Like many things in life, the journey transitioning to and from my goal was the hardest part.
Life transitions often follow deliberate choices — a new job, getting married, becoming a parent, striving for better health, or moving to a new house. Even positive changes can be stressful, making us miss the comfort of routine. Other shifts, like a career setback or the end of a relationship, can catch us off guard. We crave the predictability of knowing what comes next, and unexpected events can strip away that security, amplifying our fears and challenging our resilience.
The truth is that all types of change can be difficult. Feeling powerless is a natural reaction and creates fear, but it’s our responses to transitions that matter most. As C.S. Lewis wisely noted, “You can’t go back and change the beginning, but you can start where you are and change the ending.” While we may not control our immediate thoughts or emotions, we can absolutely choose our actions. Then to take the right actions, we need the right tools.
Preparing for life’s challenges often means looking backward to equip ourselves for what lies ahead. The Bible offers guidance and
is filled with tools and strategies for navigating life’s trials. A personal favorite passage, Ephesians 6:10-20, describes the armor of God piece by piece, reminding us to find strength in the Lord. Once armed, we can grow in faith, deepen our connection with God, and share faith with others through discipleship — which is both learning and teaching.
Each of us has journeys that are marked by transformations, some joyful and others painful. By preparing ourselves spiritually and practically, we can better face both the expected and unexpected. Psalm 91 assures us that God provides protection and everything we need, guiding us through every challenge and ultimately offering salvation at the journey’s end.
As we move forward, let’s embrace life’s transitions with faith, preparation, and courage, trusting that God walks with us through every crossing. Y
Chris Bates is CEO of AgoraEversole, a full-service marketing agency in Jackson, and can be reached at Chris@AgoraEversole.com. He and his wife, Stacy, live in Madison and have adult children and three grandboys.
With independent living, assisted living, memory care, and skilled nursing all on one campus, St. Catherine’s Village provides seniors with the right care at the right time … no matter what their stage of independence or support needs. Residents in the all-inclusive life care program can transition from one care level to another while staying within a familiar community surrounded by friends, amenities, and all the comforts of home.
Independent living
The first step in St. Catherine’s all-inclusive life care program is independent living in high-quality garden homes and apartments designed for active adults who are at least 62 years of age. Here, residents can leave behind the burdens of home maintenance and discover the perfect blend of comfort and style with thoughtfully designed floor plans, elegant finishes, and the best independent living services in Mississippi. Plus, they can take part in engaging programs and activities while building lasting friendships with neighbors.
Assisted living
Needing assistance with daily activities shouldn’t limit selfconfidence or quality of life. That’s why assisted living in Marian Hall provides a warm, supportive environment centered around personalized care. Residents are free to enjoy their favorite activities and are encouraged to maintain their independence while compassionate staff offer companionship, assistance, and reassurance. Each day is filled with opportunities for growth and connection through social, cultural, recreational, educational, wellness, and spiritual programs.
Memory care
In Campbell Cove, St. Catherine’s offers outstanding memory care programs tailored for individuals living with Alzheimer’s disease and
other forms of dementia. Specialized support strategies are crafted to meet the specific needs of each resident to preserve their sense of autonomy, a crucial key to happiness. Whether it’s managing cognitive challenges, addressing memory loss, or planning recreational activities, caregivers honor the preferences of those they serve.
Skilled nursing
On the St. Catherine’s campus, round-the-clock skilled nursing care is available in Hughes Center, Siena Center, and Tuscany to meet a wide range of non-acute needs. The dedicated nursing team looks beyond physical health to focus on nurturing each individual’s social, intellectual, spiritual, emotional, and recreational well-being, always respecting their dignity. Regardless of the level of care required, residents are empowered to make their own choices whenever possible. To support this, St. Catherine’s maintains a staff-to-resident ratio that exceeds state standards, ensuring attentive and compassionate care.
A lifetime of senior care in 1 place
As Madison’s premier Life Plan Community, St. Catherine’s Village is the first in Mississippi accredited by CARF-CCAC, a designation that recognizes excellence and adherence to rigorous standards for Continuing Care Retirement Communities (CCRCs). The serene 160acre wooded property presents a vibrant, mission-driven environment where residents can embrace a life enriched by health, faith, and fulfillment. From independent living with no maintenance to assistance with daily activities, and memory care programs to skilled nursing care, everything is in one location. So there’s no need to search for senior living elsewhere.
Discover how St. Catherine’s Village enriches the lives of seniors in all stages. Visit StCatherinesVillage.com or call 601.856.0123 to schedule a personalized tour today. Y
Millsaps offers new scholarship for women of faith
Millsaps College is making higher education more accessible for women of faith with the introduction of the Lettie Pate Whitehead Scholarship. This prestigious program offers financial aid to exceptional women scholars, ensuring they can pursue their academic and leadership goals without having the worry of financial barriers.
The prestigious scholarship program reflects Millsaps’ commitment to providing transformative opportunities for students with exceptional academic and leadership achievement.
Beginning this year, the Millsaps Lettie Pate Whitehead Scholarship will support four academically high-achieving women scholars with financial need. The scholarship will cover a large portion of tuition, fees, room and board, significantly reducing their financial burden.
The Lettie Pate Whitehead Foundation has been a steadfast supporter of higher education since 1981, contributing over $7 million in scholarship funds. The Foundation’s mission aligns with Millsaps’ dedication to empowering young Christian women by removing financial barriers to higher education.
“This scholarship program exemplifies the power of partnership and shared values,” said Aaron Pelch, vice president of admissions at Millsaps College. “We’re honored to partner with the Lettie Pate Whitehead Foundation to empower talented young women to lead with purpose and vision.”
Millsaps College remains committed to cultivating leadership and excellence in its students. The Lettie Pate Whitehead Scholarship is a reflection of this mission, ensuring that deserving students can access an exceptional education without the constraints of financial hardship.
The scholarship also underscores Millsaps College’s commitment to nurturing the spiritual and personal growth of its students. By supporting young women who are grounded in their faith, the program empowers them to excel academically while
staying true to their values. These scholars are not only equipped to lead with integrity but are also encouraged to serve as role models in their communities, demonstrating the profound impact of faith, education, and leadership combined.
Scholarship recipients may also participate in Millsaps’ McNair Mission Scholars Program, which facilitates transformative international mission trips. These experiences empower students to work alongside local churches, hosting Bible schools for children, sharing sacred music, and contributing to vital community outreach projects.
For information on these and other financial aid opportunities at Millsaps, email admissions@millsaps.edu. Y
The Lettie Pate Whitehead Scholarship helps exceptional women of faith achieve academic excellence and prepare for bright futures.
Millsaps students, supported by the McNair Fund for Christian Missions, embrace the opportunity to share faith, knowledge, and compassion to communities abroad.
3 financial professionals
Talk faith, money, and stewardship
MCL Editor Katie Ginn recently sat down with three financial professionals to discuss faith, why they do what they do, and what they’ve learned over the years — whether from their clients, their experiences, or their own financial mistakes. If you’re seeking to be a better steward of your resources this year, read on for lots of firsthand wisdom!
From left: Gus Brand, executive vice president, Community Wealth Management; Bobby Dye, CLU, founder and owner of Dye Resource Management; and Vinicius “V” Hiratuka, CFP, CPA, founder and owner of Elevated Retirement.
PHOTOS BY STEGALL IMAGERY
MEET THE PROFESSIONALS
Bobby Dye, CLU; founder/owner, Dye Resource Management
THE INTERVIEW
Katie Ginn: I’d love to hear from each of you about your upbringing and what kind of relationship your family had with money.
Bobby Dye: Mom was the money manager. (And) she was pretty tight. When I was 10 years old, I wanted a bike, and she put me on a promissory note. (laughs) I literally had to pay it off over three or four years. I’ve kept that promissory note to this day.
KG: Oh man. Did you still have the bike by the time you paid it off?
BD: I did have the bike … It was a Stingray with a banana seat and a sissy bar. (laughs)
Vinicius “V” Hiratuka: My parents didn’t talk a lot about their personal finances with me. I think (that’s) something we want to do better about with our kids. But one thing my dad did do for me was talk a lot about investments. I think that’s where I first got interested in the financial field.
Gus Brand: My mom paid all the bills, and Dad went to work. I saw that and realized, oh yeah, you do have to pay for electricity and (things we take for granted).
KG: V, you said you want to be more open with your kids about financial matters. What do you mean specifically?
VH: It’s not about telling your kid when they’re 7 or 8, we make this much money. And you definitely don’t want to put your financial burdens on them. My wife is a counselor, so we talk a lot about that.
But just communicating openly. Right now our kids are 3 and 5. So they know Daddy goes to work so we can make money to pay for things. Or, this costs this much. Maybe if you want to buy this, you can do chores and we can pay you a little bit. Just helping them understand, things have a cost, and you’ve got to choose how to spend your resources.
KG: How did each of you decide to work in the financial field?
BD: When I was a junior in college, I talked to my dad, and I said I wasn’t sure what I wanted to do. I have a business finance degree. He said, ‘Well, your brother sells real estate, I started out with phone company sales — why don’t you sell insurance?’ And I said, all right. (laughs)
But what I enjoy most is seeing how lives have been changed. … We had a client come in a month ago and share something very, very personal. She asked everybody to leave so just she and I could talk. And before the meeting was over, we both had tears, because it was (her) thanking us for what we had done for the last 30 years with her. It made me realize, you don’t want to be transactional, you want to be personal with your clients.
VH: I got into accounting at first, got my CPA (certified public accountant certification) out of college. I did
Gus Brand, Executive Vice President, Community Wealth Management
accounting for about a year, and I realized it was not necessarily what I wanted to do. But I was always interested in investments because of my dad talking about it. Millions of people are retiring. There’s a huge need (for retirement planning), with pension plans not being the mainstream thing anymore. Plus with the longevity that people have, they’re living 20 to 30 years after retirement. There was a lot of opportunity to help people.
GB: I’ve been a banker till I had the opportunity to come into this role (overseeing Community Wealth Management) a year ago. It was almost like I had been accidentally prepared for this. I had some interest in (financial planning) and was reading personal finance books and listening to podcasts. (So) for me it was a little bit of God’s provision and maybe a little accidental.
KG: What all is involved in each of your jobs?
GB: Most banks have a wealth management division … especially as they grow. You have clients who you work with
“ Mom was the money manager. (And) she was pretty tight. When I was 10 years old, I wanted a bike, and she put me on a promissory note. (laughs) I literally had to pay it off over three or four years. I’ve kept that promissory note to this day.”
– Bobby Dye
to help them establish businesses and things like that. Over time, they quit having the need to borrow money, they start making deposits, and then you can only accumulate so much before you’re like, this (money) could actually be doing something. (We) work with a lot of clients who’ve been with the bank a long time (and) help meet a new need.
BD: Wealth management is very wide. It’s changed so much in the last four decades. (You want to) find specific spots where you’re really knowledgeable (and partner)
with organizations who are good at things you’re not good at. That’s a change I think we’ve seen over the last several years, and I think it’s a benefit to the client.
VH: Being a (Certified Financial Planner) — what got me into this business was my interest in the investments, but that’s only half the business. There’s a whole host of financial planning, tax issues, estate issues, insurance ... Also, as Bobby said, when you partner with someone else to help a client, you’re their advocate.
KG: Bobby, as a Chartered Life Underwriter, could you explain the connection between life insurance and financial planning?
BD: Life insurance is just one arrow in your quiver. Financial planning is more allencompassing. Over time, your need for life insurance decreases. (You) tailor that to fit specific needs, probably when the children are home.
KG: What is the most challenging aspect of each of your jobs?
GB: It depends on the day. If I had to do
any one part of my job all the time, I would hate it. But it scratches all the itches. You get to interact with clients. We have a team of five advisors, so you get to work with them. And you get to do some of the quantitative work.
There may be challenges with that. You may hit a point where you’re ‘over’ a problem you’re having to deal with. But I enjoy it, so I guess (there’s) not too much to complain about.
BD: The biggest struggle is trying to do things I’m not good at. I’m awful at paperwork. I used to do the paperwork, but I don’t anymore. Mandy (Harkins, our operations director) does an A+ job at that.
VH: The most challenging part (of my job) is the fact that money is emotional for people. And the most important part of being a good investor is behavioral. Keeping people in their lane behaviorally is a challenge. People react to the market, to the news, to everything.
KG: When do y’all get the biggest number of freak-out calls?
VH: When the market is doing poorly. And
“ The most challenging part (of my job) is the fact that money is emotional for people. And the most important part of being a good investor is behavioral. (It’s hard when people) react to the market, to the news, to everything.”
– V Hiratuka
we just had an election. It always depends on what side of the aisle they’re on. (You’ve) got to help them separate their politics from their investing.
BD: Usually we try to allocate (investments) in a way that (the client doesn’t) have a lot of stress. If you go to your mailbox and you’re uncomfortable opening your financial report, maybe you’re not allocating it the way you need to. But that’s mainly dealing with older clients. With younger clients, they’re going to be a little more aggressive and see more fluctuation.
GB: I joke, we’re going to introduce a ‘swear jar’ in the next presidential cycle, and every time the election comes up in conversation, everybody’s going to have to drop some money in there ... Because you look historically, and you’re measuring time via presidential cycles … So that has definitely been the theme song for 2024.
KG: Is it ever hard being a Christian in the financial realm if your clients don’t share your values?
VH: I have plenty of clients that don’t share the same beliefs I have, or politically they’re way off from where I am … But we’re called to love everybody. I approach everybody with empathy. After my family, you’re going to be right there (on my list). You try to put yourself in their shoes.
BD: We pray for our clients (and) their families. When I’m going into a retirement planning seminar, in preparation, I just ask, Lord, just bring one person we can influence. And if that happens, the seminar has been a success.
All of us feel like the Lord provides us our business. And whoever comes in front of us, we’re there to be a witness. Not to
PHOTO BY STEGALL IMAGERY
From left: Gus Brand, Bobby Dye, V Hiratuka.
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We love our business, community and our family!
My name is Stewart Summers, owner of Ground Control Lawn Care. My wife, McKenzie and I are parents to Wyatt, Walker and Rivers (not pictured, she is our newest blessing!) We are involved at First Ridgeland Baptist. Before starting Ground Control Lawn Care 5 years ago, I was a high school teacher and coach. Let me use my expertise in landscaping and lawncare to take care of your commercial and residential needs. We would love to welcome you to the Ground Control Lawn Care family!
look down on anybody, but to be thankful for that person. (That client is) a real individual who has real desires, real hurts … and our job is to meet those. (We want to) make them realize they are important. So I don’t judge them based on their faith.
GB: There’s a reason people get intimidated by investments. You get the snake oil salesman who comes to town and pushes or peddles bad products. So just being able to offer good guidance (and) set your interests aside and focus on that … As a Christian, if we’re helping you with your goals and objectives, we’re doing what we’re supposed to do.
KG: Do y’all have any big financial mistakes or regrets you’re willing to share?
GB: I moved to Panama City Beach in 2015-16 (for work). When I moved there, I thought, should I buy a condo? The market was still recovering from the global financial crisis … so I didn’t pull the trigger. But now when I look at prices down there, I left a big return on the table.
“ I joke, we’re going to introduce a ‘swear jar’ in the next presidential cycle, and every time the election comes up in conversation, everybody’s going to have to drop some money in there ... (Historically) you’re measuring time via presidential cycles.”
– Gus Brand
BD: When I was 29, I met a guy who was raising money to start a business. It was a good business (where) we did OSHA training. And he got me to invest, and I was $25,000 in before he left town with everybody’s money. (I was) 29 years old with a baby on the way. (We) had a bill due for $421, I remember specifically. My wife was not working, she was nine months pregnant, and I said, Lord … it’s time to show up. The next day, I got a check for $432 and was able to pay off this bill.
(That experience made me) a little cynical and scarred, but it taught you to put your antenna up and be a little wiser with your money.
VH: When I first started the practice and had to deal with taxes … We get paid on a quarterly cadence, and I was paying my taxes for this quarter with (projected earnings from) next quarter. And I learned real quick that that’s not a good idea. Right when I earn the money for the tax, I want to either set it aside or pay for it — because next quarter the market could pull back.
KG: Do y’all have any other specific stories or general moments you love seeing in your jobs?
BD: I think of one instance where the spouse had passed away, and they had very young children, and the wife told me, ‘If you had not done what you’d done, we couldn’t stay in our house, and my kids couldn’t go to the school they’re going to.’ And she didn’t have to remarry (unless) she wanted to. Sometimes you have to push a little bit (to sell life insurance). But
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that, over time, is the reward.
And clients who are retired sending us pictures and postcards of everywhere they’re traveling, and saying thank you for what you’ve done.
GB: Sometimes the best work you may do hopefully goes unused (like life insurance), because a lot of times you’re preparing for worst-case scenarios. But you get the instances where it comes into play and it matters. And I tell people (when we’re doing planning), we’re going to have to ask some uncomfortable questions, but we’re not being callous. We’re not doing our job if we don’t ask.
VH: It’s a big blessing to do this job. I get a few Christmas cards from clients … That brings a smile to my face. Helping people through big life transitions comes to mind. People come to me as widowers, and they’re trying to figure that out. Retirement is a joyful time. Or when somebody has a new baby. (Even if they’re in) a sad time … it’s still a blessing to get to be there for that person.
KG: Are there any misconceptions people have about your jobs, or about the financial field in general?
VH: There are some people who come to you and say, ‘Your job is to make me as much money as possible.’ That’s never the goal. The goal is to achieve your life goals. If that means you get a lower return (on your investments) but you don’t need to take on extra risk, that’s what we do.
BD: Sometimes they come to us, and over time (you) do kind of become a life coach. And that’s a good thing, because you’ve connected with your client. They’ll ask you for legal advice. And I’m not an attorney, but I can tell you enough to get you in trouble. But we’ll go sit with them and their attorney.
GB: There’s a lot of ‘finfluencers,’ financial influencers, on TikTok and other places. … The flashy stuff that’s out there is not always the best. It’s about finding somebody who’s the right fit, someone who focuses on the things you want to focus on.
KG: Do any of you have a favorite scripture related to your job or finances?
BD: I always go back to Isaiah 40, where it says those who wait on the Lord will rise up on wings of eagles. When you’re starting out in this business, it can be tiresome. You’re starting it from the ground up. I leaned on that verse during that time.
VH: I like the parable of the talents. Everything we have is given to us by God, and it’s on loan. We’re called to manage those resources as best we can.
GB: It feels like for every key character in the Bible, there’s a long period of waiting — whether it’s Abraham or Moses or whoever, take your pick — and when they try to accelerate, bad things follow. In our world, there’s a lot of seasons where the market may stay flat. You may get impatient and make (poor decisions). But if you’re doing the right things consistently in the lean times, there will be a season of growth. Y
Citizens National Bank
As we enter 2025, sound financial planning is essential. Some great tips are as follows: Start by prioritizing debt reduction and building a solid emergency fund. With inflation and market fluctuations, diversify your investments and review your portfolio regularly. Budget effectively, ensuring you live within your
Financial resources for Mississippians in 2025
According to Statista.com, “saving more money” is this year’s most popular New Year’s resolution, with 21 percent of survey respondents naming it as one of their goals. If you’re part of that 21 percent, here are some Mississippi financial institutions that might be able to help — whether you want to save, invest, or simply get your house in order.
means, and save consistently. Also, remember to plan for retirement and consider tax-efficient strategies. Above all, align your financial decisions with your values, as Proverbs 3:9 reminds us to honor God with our wealth. We are here to provide the guidance and tools you need to manage your finances wisely and faithfully. 601.607.7171 YourCNB.com
that combines Community Bank’s trademark customer service with investment services that will help you address both short-term growth and longterm planning. Our team is committed to walking you through the steps of building a financial plan that will allow you to make decisions about your future confidently. Learn more about us or find a member of our team at communitybank.net/wealth-management.
Community Wealth Management
Community Wealth Management is a full-service wealth management division
Hope Credit Union
For 30 years, HOPE has empowered
individuals, families, and business owners with access to affordable financial services. In fact, nearly 1 in 3 of our members got their first bank account with us. Hope Credit Union is ready to make it happen with low-cost savings accounts, affordable everyday checking and debit cards, and tailored loan solutions, no matter your credit or income.
Whether you’re buying your first home or car, building a business, or just looking for a better way to manage your money, HOPE can help you live your best life.
Products and services: Checking and savings accounts, free HOPE Rewards Checking, money market accounts, traditional and Roth IRAs, share certificates, small business loans, home loans, personal and auto loans, ATM network, debit and credit cards, free online, mobile, telephone banking, and financial counseling.
John Dorsa, State Farm Insurance is insurance, right? Wrong! Finding the cheapest policy should never be your goal. Think about the people in
North Carolina who lost everything in Hurricane Helene: As they looked at the pile of rubble where their house used to be, they probably weren’t thinking, “I sure am glad I bought that cheap insurance!” Instead, they probably thought, “I sure wish I had bought the best policy!”
All insurance policies and companies are not the same. Value means finding the BEST COVERAGE available at the BEST PRICE available.
Why do you need a local agent? Because we are here to fight for you! Holding your hand through these difficult times is what we are here for.
I have been in the insurance business since 1985. My goal is to provide elite customer service every day, with every customer. You are a unique person with a unique situation and needs, and you are part of our family. We will always treat you with courtesy, professionalism, and appreciation.
Mascagni Wealth Management
At Mascagni Wealth Management, we see preparing for retirement as similar to building a house — it starts with a solid foundation, the right materials, and a useful blueprint. Equipping the build is like taking your financial goals and selecting the right plans that will help you create a structure that will stand up under even the most strenuous conditions. Our experienced team works with you to design and implement appropriate strategies that align your investments with your personal goals. Just as constructing a home requires time and patience coupled with the right materials and favorable weather, building your retirement demands disciplined saving, staying flexible to make changes when conditions change, and consistent investment over your working years. We recognize that growth is a continuous process, both for your
As one of the South’s strongest and most respected financial institutions, Trustmark offers a comprehensive range of products and services for all of your personal and business needs. Learn more at trustmark.com.
investments and for our firm. As we expand our current building to include more offices and a new conference room, we’re reminded of the importance of consistently building on what you’ve started. Like maintaining or even adding onto a house, your financial plan should also expand to meet your changing needs. With nearly 70 years of combined experience, Mascagni Wealth Management offers professional guidance to keep your retirement plan strong and adaptable. Let us help you build — and continually enhance — the financial future you desire.
– Matt Brown, CFP; Vice president, financial planning
Miley Wealth Management of Raymond James
At Miley Wealth Management, my daughter and I work together to provide our clients with personalized advice on investments, retirement planning, tax strategies, and estate planning. With over 36 years of experience, we offer a unique blend of seasoned wisdom and fresh, innovative perspectives.
No matter where your work or life takes
you, we help manage your cash flow and allocate your resources, aiming to achieve your short-term goals while safeguarding your longterm plans.
We would be delighted to arrange a non-committal meeting to get to know you better and discuss how we can help meet your financial needs.
– Jeff Miley, AAMS; Senior vice president,
investments 4266 55 N, Ste 200, Jackson, MS 39211 601.368.2200
Raymond James & Associates, Inc., member New York Stock Exchange/SIPC Disclosure: Investing involves risks.
Sound Financial Strategies Group
Built into 2 Corinthians 9:8-11 are the only three actions that make sense for money: generosity, enjoyment, and investment.
Generosity: You will be enriched in every way to be generous ... Please note, Paul
spends two whole chapters on generosity (2 Corinthians 8-9) and only part of two verses on the next two actions. Clearly, God wants us to be generous!
Enjoyment & Investment: He who supplies seed to the sower and bread for food will supply and multiply your seed for sowing… God made food taste good. You are free to enjoy God’s blessings without guilt. Our problems come when we focus on acquiring “things” for our happiness and worth. As for investment, seed to a farmer is the same as money to an investor. We invest money and wait for a profit. We are then generous with those funds, and we enjoy some of them with our family. God gives us this beautiful cycle — all for His glory.
–
Chris McAlpin, Co-founder and Chief Experience Officer
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Yes, you can create sound financial plans that align with your faith and His word. In Money By the Book by Chris McAlpin, you will learn how to create a God-honoring financial plan that puts you on the path toward financial freedom.
– Chris McAlpin Co-founder
& CEO Sound Financial Strategies Group
Trustmark
Clear the clutter surrounding your finances
There is no time like the present to review your entire financial picture to see where you can reduce spending and build savings. Here are a few tips to help you get started:
Make a budget and stick to it. Creating a budget can be a great way to hold yourself accountable. Impulse purchases and unnecessary expenses, like unused subscriptions and memberships, may be eating into your wallet more than you realize.
Improve your credit score. Review your current outstanding debts and develop a plan for paying them down or off, such as:
• Pay all your debts on time.
• Pay above the minimum payment amount owed when possible.
• Focus on paying off one debt at a time.
Build an emergency fund. Unexpected costs, such as car or home repairs, medical bills, or loss of income can result in
additional debt. Dedicate a specific amount of money in your monthly budget to an emergency fund. It is a good idea to have enough in savings to cover three to six months of your basic needs.
Reduce the risk of identity theft. Shred all of your old bills, receipts, bank statements, and canceled checks. Tax documents you determine are old enough to toss should be shredded as well.
Enhance your financial knowledge. Trustmark’s free, online Financial Education Toolkit can help you learn how to manage your money more effectively and make decisions that strengthen your financial future. Visit trustmark.com/financialtoolkit to learn more.
– Art Stevens, President of retail banking, Trustmark National Bank, Jackson Y
Using God-given talents in the Mississippi Symphony Orchestra
In the vibrant musical landscape of Mississippi, the Mississippi Symphony Orchestra (MSO) stands as a beacon for musicians seeking to use their talents for a greater purpose. For individuals like Hannah Romanko, performing with the MSO goes beyond technical mastery; it embodies a spiritual commitment to worship and community.
“It is such a blessing to be able to use my gift of music for God’s glory,” Hannah shares, reflecting on her journey. Her path began with the violin at age 6, leading her into the embrace of a community that nurtured her talent and allowed her to flourish.
Hannah’s story is not unique in the MSO, as many musicians find their sense of belonging through service in their local churches. Zak Joyner, a 10-year veteran of the MSO, came to faith while playing in the church orchestra and has continued to grow in his faith, serving God’s kingdom through music.
“Playing in the MSO has been a wonderful experience and has changed drastically since becoming a Christian,” Zak shares. “I no longer play the music for its own sake but to the glory of God. That mindset, which I try to share with my colleagues, is my witness.”
Tyler Dennis agrees. “I grew up in a Christian family, having believed in and known of Jesus Christ specifically through my family,” she reflects, crediting her musical foundation to a lineage of faith-filled individuals. After joining the MSO, Tyler found that it provided an environment where her skills could serve both artistic and spiritual goals. She emphasizes that every
performance is an opportunity to honor God while contributing to the cultural fabric of the community.
Playing in the MSO has shown Noelani Perry how every part of her life is wholly to be used by Him for His glory. “It’s been amazing (how) God has created an opportunity for me to share His love with others,” she says.
The MSO’s commitment to excellence encourages musicians to strive for personal and collective growth, a pursuit that aligns with the understanding of scripture, particularly 1 Corinthians 10:31“Whether you eat or drink or whatever you do, do it all to the glory of God.” This philosophy is not simply about showcasing talent; it is about drawing individuals closer to God.
As the parable of the talents teaches, it is crucial to cultivate and share gifts rather than bury them. In the hands of talented musicians like Hannah, Tyler, Zak, and Noelani — all members of the First Baptist Jackson orchestra — each note played in the MSO becomes an act of worship, echoing the age-old truth that talent, when surrendered to God’s purpose, can change lives and create a harmonious symphony reflecting His glory. Y
Karen Morris, the 2025 Symphony Gala chair, is a member of First Baptist Jackson, a past president of the Jackson Symphony League, and a member of the MSO Board of Directors.
If you aren’t sure whether you have a relationship with God or where you’ll go when you die, please don’t put this magazine down until you’ve read the following:
✝ THE PROBLEM
For all have sinned, and come short of the glory of God. – Romans 3:23
For the wages of sin is death … – Romans 6:23a
The natural result and consequence of our sin is eternal death, or hell (Revelation 20:15), separated from God. This is because God is completely perfect and holy (Matthew 5:48), and His justice demands that sin be punished (Proverbs 11:21).
✝ THE SOLUTION
… but the gift of God is eternal life through Jesus Christ our Lord. – Romans 6:23b
But God demonstrates His own love toward us, in that while we were still sinners, Christ died for us. – Romans 5:8
Jesus Christ died in our place on the cross and took on the punishment for all our sins (Isaiah 53:4-6). Then God raised Him from the dead (John 20)!
✝ HOW TO RECEIVE SALVATION
If you confess with your mouth the Lord Jesus and believe in your heart that God has raised Him from the dead, you will be saved. – Romans 10:9
Trust in what Jesus has done for you — His death for your sins and His resurrection — and trust Him as Lord.
✝ IS IT FOR ANYONE?
For whosoever shall call upon the name of the Lord shall be saved. – Romans 10:13
✝ THE RESULTS
Therefore being justified by faith, we have peace with God through our Lord Jesus Christ. – Romans 5:1
For I am persuaded, that neither death, nor life, nor angels, nor principalities, nor powers, nor things present, nor things to come, nor height, nor depth, nor any other creature, shall be able to separate us from the love of God, which is in Christ Jesus our Lord. – Romans 8:38-39
✝ WHAT TO DO NEXT
So then faith cometh by hearing, and hearing by the word of God. – Romans 10:17
If you decided to trust in Jesus, grow in your faith by reading more of God’s Word in the Bible. We recommend the gospel of John (it comes just after Luke) as a good starting point — or Romans!
Finding a church close to you that teaches faith in Christ is another important step. It’s crucial to spend time with other believers so we can encourage each other in our faith.
If you have questions about anything on this page, please contact us at 601.896.1432, or send us a message on Facebook @MSChristianLiving, Instagram @mschristianmag or Twitter @MSChristLiving.
“Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. Command them to do good, to be rich in good deeds, and to be generous and willing to share.”
~ 1 TIMOTHY 6:17-18, NIV
“Whoever loves money never has enough; whoever loves wealth is never satisfied with their income. This too is meaningless.”
~ ECCLESIASTES 5:10, NIV
“Dishonest
money dwindles away, but whoever gathers money little by little makes it grow.”
~ PROVERBS 13:11, NIV
“Keep your lives free from the love of money and be content with what you have, because God has said, ‘Never will I leave you; never will I forsake you.’”
~ HEBREWS 13:5, NIV
“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.”
~ MATTHEW 6:24, NIV
“Then some soldiers asked him, ‘And what should we do?’ He replied, ‘Don’t extort money and don’t accuse people falsely — be content with your pay.’”
~ LUKE 3:14, NIV
“If you lend money to one of my people among you who is needy, do not treat it like a business deal; charge no interest.”
~ EXODUS 22:25, NIV
“For the love of money is the root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.”
~ 1 TIMOTHY 6:10, NIV
“Sell your possessions and give to the poor. Provide purses for yourselves that will not wear out, a treasure in heaven that will never fail, where no thief comes near and no moth destroys.”
~ LUKE 12:33, NIV
“Peter answered: ‘May your money perish with you, because you thought you could buy the gift of God with money!’”
~ ACTS 8:20, NIV
“Calling his disciples to him, Jesus said, ‘Truly I tell you, this poor widow has put more into the treasury than all the others. They all gave out of their wealth; but she, out of her poverty, put in everything — all she had to live on.’”
~ MARK 12:43-44, NIV
“For where your treasure is, there your heart will be also.”
