WealthBuilders 2019 End of Year Magazine

WEALTHBUILDERS 2019 End of the Year Magazine

Biggest Mistakes Leaders Make

2019 Social Impact Report

Special Offer Inside!

Upcoming Events!

Billy Shares Five Real Estate Secrets

NEW

How to Succeed with Money More Information Inside

D E V E LO P I N G DY N A M I C L E A D E R S & O R G A N I Z AT I O N S

NEW Book From Billy Epperhart!

See the insert to preorder your copy today!

Letter from Billy and Becky Dear Friends and Partners, Another year has gone by. It feels like just yesterday that Becky and I started WealthBuilders. It can be easy to lose sight of your purpose and your mission when you’re caught up in the day to day. I know this is something that a lot of entrepreneurs, and everyone else for that matter, are challenged with. I have even been challenged in this area! God reminded me this year that everything happens for a reason. He creates moments and divine connections that shape and transform us. He uses the people and circumstances in our lives to prepare us for a higher calling.

The Bible says in Exodus 9:16, “But I have spared you for a purpose--to show you my power and to spread my fame throughout the earth.” God has a purpose for you. I challenge you to look at your life from a 30,000-foot view as we look ahead to 2020. What do you believe God has called you to? What are the unique gifts He has given you? Finally, are you using those gifts to impact the Kingdom of God on earth? $V \RX UHŴHFW RQ WKH \HDU WKDW KDV SDVVHG DQG WKH QHZ \HDU RQ WKH KRUL]RQ , HQFRXUDJH \RX WR step out of the mundane. Dream a little bigger, and challenge God to meet you there. One of my favorite verses is Ephesians 3:20, “Now to him who is able to do immeasurably more than all we ask or imagine, according to his power that is at work within us.” There is nothing too big for God to do. He loves partnering with His children!

I know that God will do big things for you this coming year. Becky and I are always praying for you.

Please partner with us in prayer as well.

Blessings,

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Table of Contents Letter from Billy and Becky Epperhart .....................................................................................................4 2019 Highlights ..........................................................................................................................................6 WealthBuilders ...........................................................................................................................................9 5 Biggest Mistake Leaders Make ...........................................................................................................10 5 Things About Real Estate You May Not Know ...................................................................................12 The Most Straightforward Way to Succeed with Money......................................................................14 Partner with WealthBuilders ...................................................................................................................16 Partner Spotlight ......................................................................................................................................17 Tricord Global ...........................................................................................................................................18 Philanthrovesting .....................................................................................................................................20 Social Impact Report ...............................................................................................................................22 Loan Client: Luniga ..................................................................................................................................23 Invest with Tricord Global .......................................................................................................................24 Investor Spotlight .....................................................................................................................................25 Billy’s Product Offers ................................................................................................................................26 Closing Letter ...........................................................................................................................................28 Meet the Team ..........................................................................................................................................29 Upcoming Events .....................................................................................................................................30

Publisher: WealthBuilders

Print Media Manager: Jordan Johnson Graphic Designer: Celine Williams

Staff: Miriam Luna Jordan Johnson Celine Williams Olivia Gilmore Gabriella Tankson End of Year Magazine 2019

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2019 Highlights from: Billy Epperhart

2018 was a year of expansion here at WealthBuilders and Tricord Global. We grew more in that year than we had in the past few years combined. I went into 2019 with high hopes for what we were going to achieve. However, God had different plans. This year, we really focused on stewarding what God has blessed us with well.

We sought to provide even more value to the hundreds of people that attended our events this year, including our annual WealthBuilders Conference, both Real Estate Workshops, and our brand new event, the Business Mastery Workshop! We brought new speakers in, and even started a new event series.

Events are incredibly special to me because I get to meet you all face to face. On top of that, I know I learn so much at these events!

I say it all of the time, but God isn’t done with you yet. There is still so much to learn from all of the incredible speakers we have. I may know a lot, but I know that I don’t know everything!

If you have attended one of our events, I encourage you to revisit your notes and check in with your progress since then. Have you put the steps you learned into action?

Maybe you couldn’t make it out to our events this year, so I want to HQFRXUDJH \RX WR UHŴHFW RQ ZK\ , NQRZ PDQ\ RI \RX OLYH IDU IURP Denver, but don’t let that stop you from investing in yourself. Maybe you can’t be here in person, but I encourage you to watch my free videos that go up every week on my YouTube Channel! You can also read my blog online at www.wealthbuilders.org/blog.

This year was a year for preparation in Tricord Global as well. We are so effective in Uganda, Africa, that we are looking to steward the great mission there even more now. David Briggs and I have learned so much this past year as it relates to investments, and we have a few secret projects that we can’t wait to announce.

We visited Uganda twice this year, and I even went to South Africa WR VSHDN DW DQ HYHQW 7KRXJK WKH ŴLJKWV DUH ORQJ *RG DOZD\V reminds me of the purpose I am serving for Him in these countries.

This year, we also partnered with Project C.U.R.E., which you can read more about on page 20!

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Billy and Becky at WealthBuilders 2019

International Directors Meeting U.K. 2019

Ashley Terradez, Tafara Butayi and Billy

Ed Silvoso, Terri Saville Foy and Billy

Charis Business Summit June 2019

April Real Estate Workshop 2019

Billy with Young Entrepreneurs End of Year Magazine 2019

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Who We Are: :HDOWK%XLOGHUV LV WKH HGXFDWLRQ DUP RI RXU QRQ SURƓWV :H HGXFDWH &KULVWLDQ (QWUHSUHQHXUV across the world through seminars and conferences, as well as education materials. We produce audio and video teachings as well as books, manuals and workbooks to coach SHRSOH WKURXJK WKH DUHDV RI EXVLQHVV ƓQDQFH UHDO HVWDWH DQG PDNLQJ D NLQJGRP LPSDFW You are the heart of what we do.

Our Mission: To inspire and equip others to make sense of making money for making a difference for the purpose of transforming individuals, cities and nations.

Our Vision: To empower one million entrepreneurs globally by providing business training and the start up capital needed to build Christ centered enterprises throughout the world.

Our Plan: By providing training and capital to those in poverty, we empower them to break the cycle of poverty that they have been in for generations. This interruption of the poverty cycle enables their families, cities and nations to be transformed.

To learn more, go to www.wealthbuilders.org

End of Year Magazine 2019

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5 Biggest Mistakes Leaders Make by: Billy Epperhart

Leadership is a learned skill. Like most other skills, you often learn by your failures. I have OHG PDQ\ RUJDQL]DWLRQV DQG WHDPV DQG , have learned some things regarding what to do and what not to do. If you are in a new position of leadership, or you just want to make sure you aren’t making mistakes, then I wrote this article for you. Whether you lead a single person or a company of thousands, I encourage you to seriously measure yourself against these mistakes.

They list out the projects they are working on, and the projects they have left on their to-do list.

Never let it be said that you GLGQōW ƓQG RXW

2. You Micro-Manage Your Team

7KLV PD\ VHHP WR FRQWUDGLFW WKH ƓUVW SRLQW but there is a difference between keeping a pulse on your team and being there to 1. You Aren’t Aware of What Your Team Is witness every heartbeat. I know what projects Up To P\ RIƓFH LV ZRUNLQJ RQ HYHU\ ZHHN EXW , When I teach my business school students, I don’t ask them for every detail regarding tell them one of the most important lessons each project. When you micro-manage your I learned was this simple statement: never team, you show them that you don’t trust OHW LW EH VDLG WKDW \RX GLGQōW ƓQG RXW ,W LV them. Every strong relationship in life is built FUXFLDO \RX KDYH D SXOVH RQ \RXU RUJDQL]DWLRQ on a foundation of trust, and if you do not and your team. I do this through weekly have that with your team, it will fall apart. report forms that my employees turn into Unless they have given you a reason not to me. It allows me to keep track of their Key trust them or believe that they are doing Performance Indicators, and it also allows their job, then let them have some creative me to see how they are spending their time. freedom.

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3. Not Trusting Your Intuition

5. Playing the Blame Game

When I was younger, I was sometimes timid when it came to expressing my opinions about certain things. As a pastor, I would never disagree with the elders, even if my gut was telling me to say something. Now, you shouldn’t disagree in order to create SUREOHPV EXW WKHUH ZHUH GHƓQLWHO\ WLPHV where I felt like I could have done something better.

Sometimes there’s not a whole lot you can do to keep somebody from going or leaving.

-HVXV FRXOGQōW DQG \RX FDQōW :KDW \RX want to do is you want to blame yourself, then you want to get angry and blame them.

Let’s forget about blaming them or blaming \RXUVHOI DQG MXVW UHDOL]H LWōV JRLQJ WR KDSSHQ It’s the normal way life works. People leave. /LVWHQ GRQōW EODPH WKHP GRQōW FULWLFL]H WKHP EXW GRQōW EODPH \RXUVHOI HLWKHU -XVW UHDOL]H LWōV D SULQFLSOH RI OLIH

As the face of the church, it was my rear on the line for certain things, and it’s the same for you whether you lead a church, a business, or a small team. Speak up when your gut tells you to! God gave us intuition for a reason. I believe the Holy Spirit is always leading us and guiding us, so don’t disregard that small voice in your head.

Speak up when your gut tells you to! God gave us intuition IRU D UHDVRQ

I hope this article has helped you look at yourself as a leader honestly and clearly. , ZDQW \RX WR UHDOL]H WKDW HYHQ JRRG OHDGHUV Listen, we all make mistakes. We all think we’re doing the right thing when maybe JHW FULWLFL]HG DQG SHRSOH OHDYH WKHP -HVXV H[SHULHQFHG WKLV LQ IDFW LQ -RKQ FKDSWHU KH sometimes we aren’t. What’s important is had a whole bunch of people leave. They left what you do with the knowledge that you his church, they left his home group, they left weren’t handling things right. his community, they left!

4. Taking Things Too Personal

-RKQ VD\V “From this time many of his disciples turned back and no longer followed him. ‘You do not want to leave too, do you?’ Jesus asked the twelve. And Simon Peter answered him ‘Lord to whom shall we go? You have the words of eternal life. We believe and know that you are the holy one of God.”

End of Year Magazine 2019 11

5 Things About Real Estate You May Not Know by: Billy Epperhart

As many of you know, real estate is one of the best ways to build wealth. Some of you will be really familiar with this topic, and others will not be. In this article, I want to give you some things about real estate that you may not know, whether you’re a beginner or have real estate experience.

\RX FDQ XVH HTXLW\ LQ \RXU KRPH UHƓQDQFH other properties, or you can use a retirement account or liquid assets, as well. You can use partners to raise down payments in real estate, or you can use lines of credit from local banks, which tends to be my favorite option.

There is so much to learn in the area of investing, and it’s impossible to know everything when you start. I hope this information helps you get further along in your journey!

The point is that there are many different ways to get loans and purchase properties. Research them all and become knowledgeable.

1. Creative Financing Most people think that they have to purchase their rental properties the same way they SXUFKDVHG WKHLU ƓUVW KRPH VDYLQJ XS IRU D down payment and getting a loan. While that isn’t a bad strategy, there are other ways to acquire properties. I like to have at least two bankers in each area I’m buying real estate because they will typically have different resources and offer you different loan products.

Instead of saving up for a down payment 12

There is so much to learn in WKH DUHD RI LQYHVWLQJ

2. Getting the Best Cash Flow Spreads Many people, when investing in real estate, will bypass low-to-moderate neighborhoods because they think they will make the most money renting out luxury houses. There’s nothing wrong with that, in fact, I rent out

mostly high-end properties now. However, WKH EHVW FDVK ŴRZ VSUHDGV DUH JHQHUDOO\ LQ the low-to-moderate neighborhoods.

Don’t just assume you know everything. As I’ve said, real estate is a learning process.

Don’t be afraid to reach out to those that are more experienced than you and ask for tips.

3. Cycles Matter Real estate is just like anything else in the marketplace in the sense that buying cycles matter. When supply is high, in other words, there are more houses on the market than EX\HUV WKH PDUNHW LV ŴDW DQG WKH\ FRXOG be dipping soon. That’s the time to get properties if you want to buy and hold. The longer you wait, the faster you have to pull the trigger.

When demand begins to absorb supply, you should rethink your purchases. If you are EX\LQJ DQG ŴLSSLQJ WKLV LV ZKHQ \RX ZRXOG purchase properties because you want to ŴLS EHIRUH D ORW RI QHZ FRQVWUXFWLRQ EHJLQV You can still buy good properties in heated markets, but you have to really understand what you are getting into.

:KHQ VXSSO\ LV KLJK that’s the time to get properties if you want to EX\ DQG KROG There have recently been economic factors showing that we may enter a recession soon.

This is something to keep in mind if you are a real estate investor looking to acquire more properties in 2020.

real estate agents, but you also need good mortgage bankers and mortgage brokers.

Many people don’t know the difference, but these players can help you level up your real estate game.

A mortgage banker usually sells his own products. The pros to this are that they typically can close faster and can give the customer a low-interest rate or lower cost.

The cons are that they sometimes can’t get a loan done because the products they’re offering are so limited.

Mortgage brokers typically work in what we call a “broker shop.” They represent many lenders and broker loans. They can often beat a banker because they have so many lenders available, but they typically only ZRUN ZLWK WR OHQGHUV <RX QHHG WR ƓQG a broker who is experienced working with investors.

5. What Underwriters Look For 7KH ƓQDO WKLQJ \RX PD\ QRW NQRZ DERXW UHDO estate is what underwriters look for when you DSSO\ IRU D ORDQ 7KH ƓUVW WKLQJ WKH\ HYDOXDWH is your credit score. A 720 and up allows you to buy multiple properties and access loan SURGXFWV ZLWK JUHDWHU ŴH[LELOLW\ 8QGHUZULWHUV also look at your capacity, which is your debt to income ratio. Especially after the housing crisis, they want to make sure you can pay off your mortgage. They also look at the collateral you have available, your character, DQG YHULƓFDWLRQ RI HPSOR\PHQW All of these factor into what loans will be available to you.

4. The Difference Between Mortgage Brokers and Bankers There are a few key players you need in your real estate business, including lawyers and End of Year Magazine 2019 13

The Most Straightforward Way to Succeed with Money by: Billy Epperhart

You want to succeed with money, right? I believe that everyone wants to experience ƓQDQFLDO VXFFHVV ,I \RX GRQōW KDYH PXFK you want to learn to manage well. If you have plenty, you want to keep the train rolling so you can give generously for kingdom change.

I’m going to give you the most straightforward way to succeed with money.

Are you ready? You must plan. Yes, it truly is that simple. Yet most of us aren’t taking the time every month or week to plan out our success with money.

It requires more than a budget. It’s bigger than getting out of debt. Think about it, a plan prepares you for opportunities and GLIƓFXOWLHV ,WōV HVVHQWLDO WR KDYH D SODQ So, how can you begin preparing for your ƓQDQFLDO VXFFHVV WRGD\" ,ōP JRLQJ WR JLYH \RX ƓYH VWHSV 1. Set a Goal 7KH ƓUVW NH\ WR PDNLQJ D SODQ LV VHWWLQJ DQ attainable goal. I believe that goal-setting has a huge impact on life and that everyone 14

should regularly set personal, business, and ƓQDQFLDO JRDOV 7KH NH\ KHUH LV WR GUHDP ELJ and think long-term. We’ll break it down into smaller goals later, but for now, think of retirement. Think of grandkids. Think of ƓQDQFLDO OHJDF\ Is there a sum you’d like to leave for your children and grandchildren? What about a property you would like to purchase as a vacation home for retirement? Would you OLNH WR LQYHVW LQ D QRQSURƓW VWDUW D FRPSDQ\ or something else entirely?

The key here is to dream big DQG WKLQN ORQJ WHUP I think the most important part of succeeding with money is believing that you can succeed. Set a goal with this in mind. Believe in something so great that you’ll need to work hard daily and pray with faith to make it a reality.

2. Calculate The Steps You’ve set a goal. Now it’s time to think

through the details. What is it going to take for you to buy that property or leave that legacy? Is there a business decision that needs to be made? What about moving funds, does it make sense to keep your savings somewhere else (maybe someplace with better interest?) At this stage, you don’t need to actually take the steps. You simply QHHG WR GR WKH GLIƓFXOW ZRUN RI WKLQNLQJ through the details. Also, it’s important to UHFRJQL]H WKDW WKH VWHSV DQG PD\EH WKH goal itself, will likely change. I urge you to continue on with the process and leave room for God to move in your life.

3. Think Through The Timeline The third step is to dream about a potential timeline for the detailed steps you just mapped out. Don’t be afraid to challenge yourself a bit here. Yes, you want your timeline to be realistic and achievable but you don’t want to limit your potential.

Remember, believe that you can succeed with money and draw a timeline accordingly! This may look like saving a certain amount of money to invest by D VSHFLƓF \HDU ,W FRXOG DOVR ORRN OLNH funding a child’s college account before she graduates high school, paying off your mortgage early, etc.

4. Prepare the Team The team may consist of you and your spouse. It could also be a literal business team or a group of friends working towards a similar goal. Whoever is going to be involved needs to be prepared.

Host a dinner, gather around the table

and get serious. Talk through your goals, your timeline, and the details. Don’t feel silly or awkward, this is going to spark an excellent conversation! Then, consider investing in ongoing education for your team. I have a great course called “Money Mastery” that would be an excellent place to start.

5. Determine Baby Goals Finally, it’s time to establish your smaller JRDOV WKDW ZLOO OHDG \RX WRZDUG WKH ƓQLVK OLQH 7KLV ZLOO FORVHO\ UHŴHFW \RXU GHWDLOHG steps in number two. However, at this stage, you need the timeline and the details to merge into one achievable plan.

0D\EH \RXU ƓUVW VWHS ZLOO EH HVWDEOLVKLQJ a budget. Step two may be saving a certain amount of money. Step three may be paying off your cars. Step four may be investing x-amount for retirement.

Get it down on paper and keep it visible, especially visible to those on your team WKDW \RX GHƓQHG LQ VWHS IRXU The key to success is believing that you can succeed with money and going with WKH ŴRZ DV \RXU SODQ FKDQJHV <HV LWōV essential to keep a large goal in focus and it’s essential to work towards the smaller goals you’ve thought through.

-XVW UHPHPEHU WKDW KLFFXSV ZLOO FRPH When they do, go back to the basics.

Believe that you will succeed with money and set a goal.

End of Year Magazine 2019 15

Partner with Us Our mission is to train 100,000 entrepreneurs in the United States 1,000,000 entrepreneurs worldwide.

This doesn’t have to happen without you.

Your Partnership Helps: - Broaden the mission to coach, teach, and train entrepreneurs in the areas of wealthbuilding.

- Promote global community through WealthBuilders and Tricord Global projects.

- Provide comprehensive educational resources.

- Further our reach in international impact through Tricord Global efforts.

- Empower our team to carry out the mission of making sense of making money for making a difference.

As a Partner, you Receive: - A quarterly gift from Billy and Becky.

- Quarterly prayer calls and support.

- Priority seating at our workshops and conferences.

- Private meet and greet with Billy and Becky at our annual WealthBuilders conference.

To Partner:

Fill out the envelope that was inserted into this PDJD]LQH DQG VHQG LW EDFN WR XV You can also partner online at www.wealthbuilders.org/donate

16

Partner Spotlight Heather & David Armstong We were introduced to Billy Epperhart during his teaching at the 2018 Business Summit at Andrew Wommack Ministries.

We have both worked in the health care industry for some time and knew that the Holy Spirit was leading us to “enlarge the place of our tent.” Through Billy’s teaching on how to make a change (Luke 5:36) we were inspired to step out in faith and start a new business in real estate investing. We have learned a tremendous amount through the WealthBuilders conferences and the coaching program and caught the vision of “making sense of making money to make a difference.” Our business is now a family affair with our children participating.

We are grateful to be partners in Wealthbuilders’ vision for transformation.

Roger & Debbie Hawkins We are from Orlando, Florida and will attend our 4th WealthBuilders Conference in February of 2020. Roger is a retired YMCA CEO and Debbie is a retired Dental Assistant. We now encourage family and friends to join us each year.

Last year our grandson Kai, 16, joined us and had a life changing experience where he set his life goals ahead of him. He also wants to attend Billy’s real estate course and invest in properties after he joins the Navy in 2021.

Marge Gray I met Billy at Charis Bible College in Woodland Park, Colorado.

While attending the World Outreach classes, I heard about the Real Estate Conference that WealthBuilders was going to have in April of 2019. Although I consider myself a “joyful” ZLGRZ 0\ KXVEDQG PHW -HVXV ZHHNV EHIRUH KH MRLQHG -HVXV 0\ KXVEDQG ZDV \HDUV ROG , VWLOO OLYHG LQ PXFK fear regarding how to move forward in getting wealth for the kingdom of God. I knew I wanted to give much, but didn’t know how to get “the” much I wanted to give. It was at the Real Estate Conference that I began to get hope about one way to get that wealth. And, it was at that conference that I started a partnership with WealthBuilders. I’m very thankful for Billy and Becky for their hearts to give and how they show others that anyone can gain wealth and how to do it.

End of Year Magazine 2019 17

TRICORDGLOBAL

CHANGING THE WORLD ONE VILLAGE AT A TIME 18

Over half of the global population dwells in a poverty-stricken environment where human suffering abounds. The need is great, but those with a heart to make a difference can change the world.

The mission of Tricord Global is to provide microcredit (small loans) to the poor in developing nations, empowering them to move out of poverty and into productivity and prosperity. Our RSHUDWLRQDO PRGHO IROORZV WKH SURYHQ EHVW EXVLQHVV SUDFWLFHV RI WKH PLFUR ƓQDQFH LQGXVWU\ DV ZHOO DV HQGHDYRULQJ WR ŏSLJJ\ EDFNŐ RQ WKH H[LVWLQJ LQIUDVWUXFWXUH RI PLVVLRQDO PLQGHG QRQ SURƓWV 7KLV partnership approach allows us to more effectively impact families and entire communities, while at WKH VDPH WLPH KHOS VWUHQJWKHQ WKRVH PLVVLRQ RUJDQL]DWLRQV 7KH ŏEXVLQHVV DV PLVVLRQŐ SKLORVRSK\ of Tricord is to function in a manner that not only preserves investor and donor capital and DFKLHYHV ƓQDQFLDO VXVWDLQDELOLW\ EXW GRHV VR ZLWKRXW FRPSURPLVLQJ RXU FRPPLWPHQW WR SK\VLFDO spiritual, and social transformation.

7KH $GYDQWDJH RI 0LFURƓQDQFH 2YHU 'RQDWLRQV Have you ever heard the parable that goes, ŏLI \RX JLYH D PDQ D ƓVK \RX IHHG KLP IRU D GD\ ,I \RX WHDFK D PDQ WR ƓVK \RX IHHG KLP IRU WKH UHVW RI KLV OLIH"Ő Well, that’s what we believe in here at Tricord, and that’s why we provide loans instead of charity. When you give a dollar, you help one person, one time. However, when you lend a dollar at a sustainable rate of interest, you can impact a whole community, or even a whole nation!

Similarly, when you give charitably, you create dependence on your benevolence. When you provide a loan, you encourage independence so they can help themselves while helping others.

7KURXJK 7ULFRUG *OREDO PHQ DQG ZRPHQ DUH SURYLGHG VPDOO PLFURƓQDQFH ORDQV 7KH\ DUH JLYHQ the proper business training and encouragement to make their businesses successful. This is the VDPH WHDFKLQJ ZH SURYLGH DW :HDOWK%XLOGHUV EXW LV PDGH VSHFLƓF WR WKHLU GHYHORSLQJ QHHGV :LWK a successful business - individual lives, families, communities and nations will be changed.

End of Year Magazine 2019 19

Philanthrovesting:

0DNLQJ DQ ,PSDFW DQG D *RRG 5HWXUQ by: David Briggs

There are three fundamental ways that most people express their generosity through social or philanthropic concerns. These ways are through: 1. Involvement 2. Investment 3. Eleemosynary or charitable giving

1. Exclusion – Choosing to exclude investing LQ FRPSDQLHV RUJDQL]DWLRQV RU SURMHFWV WKDW GR QRW UHŴHFW \RXU YDOXHV 2. Integration – Choosing to integrate FRPSDQLHV RUJDQL]DWLRQV RU SURMHFWV LQWR \RXU SRUWIROLR WKDW UHŴHFW \RXU YDOXHV ZKHQ it comes to the Kingdom, social concerns, or governance.

All three ways have value and when done strategically, can change lives and make a meaningful and measurable impact.

3. Impact – Make a measurable difference.

Genuine and authentic impact are a part of the criteria for these investments.

One way to affect change is through meaningful involvement. That simply means using your knowledge, time, and talent through volunteer service. When you VHUYH \RXU FKXUFK FKDULWDEOH RUJDQL]DWLRQ RU other people, you not only empower or lift them to new heights, but you expand your effectiveness - multiplying and amplifying who you are and the values you hold.

There are 3 concerns or myths that should be addressed for those who are considering the validity of sustainable or social impact investing:

Another important way to affect change is through strategic investment. It is said that, ŏ\RXU YDOXHV GHƓQH \RX Ő ,I WKLV LV WKH FDVH WKHQ \RXU LQYHVWPHQWV VKRXOG UHŴHFW ZKR you are. An investor’s portfolio should align with their principles, all the while seeking returns. In other words, sustainable investing is a way to invest and seek the returns you expect while staying true to your values. That relates to whether you care about a cause, are driving social change, or placing your resources into companies or countries that conduct themselves in a way that aligns with your values.

There are three ways your portfolio can make a difference: 20

0\WK <RX VDFULƓFH SHUIRUPDQFH Ŋ 7KH reality is, sustainable investment returns can be comparable to what you can expect from conventional ones. According to research, investing sustainably can improve returns or doesn’t harm them. The global sustainable investment market is growing.

Myth #2: You can’t measure the impact – The reality is, measured impact is a requirement of impact investing, so you can actually see the difference you are making. Even PRUH SURPLVLQJ FRPSDQLHV RUJDQL]DWLRQV and funds are reporting their social and environmental impact.

Myth #3: You need to be an expert – The reality is, a simple way to choose solutions that align with your values is to consider FRPSDQLHV RUJDQL]DWLRQV RU VXVWDLQDEOH funds that align with your Kingdom social impact goals. By 2023, investors expect sustainable investing to be the norm.

6R ZKHWKHU \RX XVH \RXU ƓQDQFLDO UHVRXUFHV to invest directly into social impact funds, or you have a business where you designate D SRUWLRQ RI LWōV SURƓWV IRU FRUSRUDWH responsibility and purposeful social investment, or you invest strategically in WKH ƓQDQFLDO PDUNHWV DQG GHGLFDWH D FHUWDLQ portion of your capital gains to go towards the Kingdom social impact to which you are passionate; your investment strategy can make an incredible impact not only locally but in the global community as well.

Last but not least, you can affect change through eleemosynary or charitable giving.

7KHUH DUH PDQ\ ZRQGHUIXO RUJDQL]DWLRQV DQG ministries that do so much to change lives but are not designed to make money, increase ƓQDQFLDO LQYHVWPHQW RU VXVWDLQ WKHPVHOYHV ƓQDQFLDOO\

giving plan as you endeavor to reach out and make a difference in peoples lives.

Let me take a moment to share with you why I believe among the many worthy RUJDQL]DWLRQV 7ULFRUG LV VR XQLTXH 7ULFRUG KDV D ZHOO GHƓQHG NLQJGRP SXUSRVH DQG PLVVLRQ - to change the world one village at a time.

Tricord gives people the opportunity to LQYHVW WKHLU ƓQDQFHV LQ .LQJGRP VRFLDO impact and receive a solid rate of return on their investment, all the while changing lives.

7ULFRUG KDV D FOHDU DQG GHƓQHG PHVVDJH RI the love of God and the power of the gospel, which lifts people out of poverty and sets them among princes.

Finally, Tricord has the most generous and caring investors and partners who make up the Tricord family.

7KH\ DUH EHWWHU NQRZQ DV QRQSURƓW RUJDQL]DWLRQV ZKLFK UHO\ RQ SHRSOHōV PXQLƓFHQW JHQHURVLW\ WR VXVWDLQ WKHP DQG their mission. Giving and partnering with WKHVH W\SHV RI RUJDQL]DWLRQV DQG PLQLVWULHV should be a part of your overall strategic CHARITABLE GIFT ANNUITY

End of Year Magazine 2019 21

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$W :HDOWK%XLOGHUV ZH KDYH PDGH D JRDO WR SDUWQHU ZLWK GLIIHUHQW IDLWK EDVHG QRQ SURƓWV GRLQJ work to impact the Kingdom of God. Last year, we partnered with The Farm Uganda to raise money for farm equipment. We are pleased to say that we raised all the $7,500 necessary, and they are using that equipment to improve their community as a whole!

7KLV \HDU ZH ƓJXUHG ZH ZRXOG VKRRW IRU D ORIWLHU JRDO :H GHFLGHG WR SDUWQHU ZLWK Project C.U.R.E. because we deeply believe in their mission. They deliver medical supplies to countries who are in desperate need of them. They also have a distribution center in Denver, Colorado! My team and I spent a day helping pack a shipping container. It was incredible to see the hard work that goes into these containers, and it’s all mostly done by volunteers.

We decided that we weren’t only going to donate our time, but we were going to put our money where our mouth was. We are looking to raise $25,000 in order to send two shipping containers to Senegal and Nigeria! Did your mouth drop when you looked at that amount? It’s a lot larger than last year. We are hoping that you will partner with us as we aim to reach this goal!

7KH UHDVRQ ZH GHFLGHG WR UDLVH WKLV VSHFLƓF DPRXQW RI PRQH\ LV EHFDXVH 3URMHFW & 8 5 ( VDLG LWōV the biggest hole in their funding. People love to fund the packing of crates, but shipping them can be much more expensive. Therefore, they have many crates that they would love to send out, but just don’t have the money to. I encourage you to pray for them, and consider donating today!

To donate, go to: http://bit.ly/donatesenegal 22

Loan Client: Luniga

/XQLJD OLYHV LQ 1DNLIXPD 8JDQGD DQG LV D FOLHQW ZLWK -(11,6 )LQDQFH &RPSDQ\ -(11,6 D FOLHQW RI 7ULFRUG LV D &KULVWLDQ EDVHG 0LFURƓQDQFH &RPSDQ\ LQ 8JDQGD ZKLFK VSHFLDOL]HV LQ PLFUR ƓQDQFH ORDQV DQG EXVLQHVV WUDLQLQJ -(11,6 SURYLGHV ORDQV DQG WUDLQLQJ WR VPDOO EXVLQHVV JURXSV LQ WKH rural areas of Uganda. /XQLJD KDV EHHQ D FOLHQW ZLWK -(11,6 IRU VHYHQ \HDUV DQG KDV UHFHLYHG HOHYHQ ORDQV WKURXJKRXW those years. Her smallest loan was $1,500.00 and her largest loan was $3,000.00. Her story is quite remarkable and she was able to share it with us on our most recent trip to Uganda.

Luniga started out by selling water in the local market. After receiving her loans and business training, she was able to build a house for her family and was able to “build a borehole,” or drill a well, and has continued to sell and provide potable drinking water to the people in her community.

She has been able to expand her businesses to include a poultry business and she owns two clothing boutiques, both of which have been in operation for three years. /XJLQD ZDV D 0XVOLP ZKHQ VKH VWDUWHG ZLWK -(11,6 :KHQ WKH FUHGLW RIƓFHU ZRXOG JLYH KHU money, she would pray for Lugina and she eventually led Lugina to faith in Christ. Since becoming D &KULVWLDQ DQG D FOLHQW RI -(11,6 VKH KDV EHFRPH WKH UHSUHVHQWDWLYH IRU PDQ\ ZRPHQ LQ WKH area where she lives, which is equivalent to what we know in the states as a county commissioner. /XJLQD DOVR KHOSV RUSKDQV LQ KHU FRPPXQLW\ WKURXJK WKH SURƓWV RI KHU EXVLQHVV This is just one example of the thousands of individual clients who are helped and trained through Tricord’s investments. Individuals who come to faith in Christ become economically active and HVWDEOLVK SURƓWDEOH EXVLQHVVHV 7KURXJK WKHLU SURƓWV WKH\ PDNH DQ LPSDFW RQ WKHLU FRPPXQLWLHV DQG D GLIIHUHQFH LQ WKH OLYHV WKH\ WRXFK DQG LQŴXHQFH

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Your investment helps: -Pull God’s people out of poverty. &UHDWH ƓQDQFLDO LQGHSHQGHQFH -Provide comprehensive educational resources.

-Build the national economy of nations around the world.

-Empower the next generation through schools, churches, and other resources.

Tricord works with two seperate institutions: The Glory SACCO, a credit union, and Glotrans, a bank. The credit union provides smaller loans to get people out of poverty and into HQWUHSUHQHXUVKLS :H UHDOL]HG WKDW DIWHU RXU clients had successfully gone through the microƓQDQFH SURJUDP DQG ZHUH HFRQRPLFDOO\ DFWLYH they craved more. They wanted to be economically empowered, so we partnered with a bank to give larger loans and greater opportunities.

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Economically Inactive -Under the Poverty Line -No forseeable way out -Usually unemployed, making little money

Economically Active -Working their way out of poverty -Creating income streams for themselves -Able to provide for their family

Economically Empowered -Employing others in their community -Owning businesses -Economically saavy -Improving local economy

Investments Opening Soon!

If you are interested in investing with Tricord, email: info@tricordglobal.com or call (720) 416-4600

,QYHVWRU 6SRWOLJKW Rob & Kenlyn Kerr We decided to invest with Tricord Global because we wanted a safe place for our money to grow. With Tricord, we have that place and everything we invest goes towards helping others improve their lives. :H ƓUVW KHDUG DERXW %LOO\ WKURXJK RXU FRQQHFWLRQ ZLWK Apostolic Resource Ministries. Our favorite social impact story would be all of them. We are so touched by hearing and seeing that we can have a small part to play in the enrichment of others.

Joseph Allen Conley III Why did you decide to invest?

First of all, the interest rate was higher than I could get at a bank.

Also, we like the idea of helping others start a business. We feel it is important to build Kingdom businesses and help others.

Where do you live?

We live in a suburb near Dallas, Texas. +RZ GLG \RX ƓUVW KHDU DERXW %LOO\" :H ƓUVW KHDUG DERXW %LOO\ (SSHUKDUW DQG 7ULFRUG JOREDO DW WKH &KDULV %XVLQHVV 6XPPLW LQ -XQH RI Do you have a favorite social impact story?

We own a business and the only way we were able to buy our EXVLQHVV ZDV WKH SUHYLRXV RZQHUV ƓQDQFHG LW IRU XV :H GLGQōW have a lot of money to put down or a high net worth. The previous owners took a chance on us, so if we can help someone own their own business, we are willing to do it.

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End of Year Magazine 2019 27

Closing Letter )LUVW RII , ZDQW WR WKDQN \RX IRU EHLQJ D SDUW RI P\ PLQLVW\ <HV \RX KROGLQJ WKLV PDJD]LQH ULJKW now. By keeping up to date with what I am doing, you are allowing me to have a platform to do the work God has called me to do.

I want to share something from one of my most popular teachings. It’s called the Favor Difference, in which I teach you that favor is attracted to a spirit of preparation. I want to share this with you as we move into the new year and prepare for more work and purpose that God will place on our lives. Whether you have heard this teaching before or not, let it wash over you with truth. ,Q WKH %LEOH -HKRLDFKLQ ZDV D NLQJ LQ FDSWLYLW\ WR DQRWKHU NLQJ ,Q IDFW KH ZDV RQH RI VHYHUDO NLQJV in captivity to the king of Babylon. One day, seemingly randomly, the king of Babylon reaches GRZQ DQG SXOOV -HKRLDFKLQ XS DERYH WKH RWKHU NLQJV +H WDNHV KLP RXW RI SULVRQ JLYHV KLP D GDLO\ allowance, a new set of clothes and lets him eat at his table every day. :KHQ , ƓUVW UHDG WKLV , ZRQGHUHG ZK\" :K\ GLG KH VXGGHQO\ FKRRVH WR IDYRU -HKRLDFKLQ" , GLG D OLWWOH GLJJLQJ DQG IRXQG RXW WKDW WKH QDPH -HKRLDFKLQ OLWHUDOO\ PHDQV SUHSDUDWLRQ -HKRLDFKLQ ZDV in captivity for 37 years. But I don’t think he was idly sitting by, letting his life waste away. I think he was preparing for those 37 years. He was actively bettering himself in some way and the king of Babylon noticed it. :H FDQ OHDUQ D ORW IURP -HKRLDFKLQ )DYRU LV DWWUDFWHG WR D VSLULW RI SUHSDUDWLRQ <RX WRR HYHQ QRZ are preparing yourself. So get your antennas up, yours eyes open and your ears open, because favor is coming to your life.

Until you have seen the fruit, keep preparing for what is to come. How can you do that in these last few moments of 2019?

Blessings,

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Meet the Team David Briggs | Co-founder of Tricord Global

Karen Conrad | Vice President of WealthBuilders

Lilly Unger | Director of Investor Relations (720) 989-0222 | lilly@billyepperhart.com

Celine Williams | Lead Graphic Designer (720) 989-0218 | celine@billyepperhart.com

Miriam Luna | Partner Relations Manager (720) 416-4600 | miriam@billyepperhart.com

Olivia Gilmore | Copywriter and Marketing Manager (720) 989-0224 | olivia@billyepperhart.com

Gabriella Tankson | Executive Assistant (720) 416-4600 | gabriella@billyepperhart.com

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CONFERENCE 2020 FEBRUARY 14-16, 2020

“GOD WANTS YOU TO BUILD WEALTH AND PA RT N E R W I T H H I M , S O YOU CAN MAKE AN I M PA C T.” -Billy Epperhart

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Denver, CO | www.wealthbuilders.org/events/

Upcoming Events

End of Year Magazine 2019 31

TRICORD GLOBAL LOAN FUND