Scientifically Engineered

biblically responsible models

"Good returns & Good Values are not mutually exclusive."


biblically responsible Investing



"Treasures gained by wickedness do not profit, but righteousness delivers from death." -Proverbs 10:2






Source of Profit Matters.

As Christians, we are called to use the resources God provides for us in ways that will honor God. One of those resources is money. It's important to strive to not invest in companies that promote sinful and immoral activities -- even if you'll make potentially more money. Instead, you should strive to invest in companies trying to make a positive impact for God's Kingdom. How will you choose to invest God's money?

No Separation Between Spiritual & Business Identity.

So many Christians believe they need to separate their spiritual life with their business life; however, that isn't biblical. 1 Corinthians 10:31 says: "So, whether you eat or drink, or whatever you do, do all to the glory of God." While not perfect, a BRI approach helps remove the separation.

Make an Impact with Your Investments.

The Cornerstone Portfolios don't only focus on avoiding companies supporting sinful/immoral activities, the goal is to support companies working to change the world for God's Kingdom. For example, investing through BRI Partner, Inspire, "your money is not only working toward your financial goals but also helping to support the pro-life movement... We also donate 50% or more of our corporate profits to support Christian ministry, including pro-life ministries..."

Click here for more on this.



What is Biblically Responsible Investing (BRI)?

An approach to investing that seeks to honor biblical principles and glorify God in investment decisions.

We believe the Bible is the inerrant and inspired word of God. While there are some "grey areas" which are matters of conscious, our goal is to work with fund managers who stand strong in areas where the Bible is clear.

About the Cornerstone Portfolios

 = Current Portfolio Snapshot


"The prudent see danger and take refuge, but the simple keep going

and pay the penalty." -Proverbs 27:12 (NIV)

SEM believes the money you've been entrusted should work as hard as possible. Rather than burying it in a passive strategy, there is clearly a "time to reap and a time to sow." By adjusting the asset allocation based on the current "season" of the market, we actively make the money work harder.

This approach leads to two questions:

What is the overall trend in the market & economy?

In general, stock prices rise and fall with the direction of the economy. SEM scientifically monitors the trend in the overall economy and stock market. The goal is to be fully invested when the trend is rising and to reduce allocation when the trend is falling. In order to avoid short-term market noise the trend indicator is designed to wait until the trend is clearly defined. The chart below illustrates the real-time history of the Cornerstone Trend Indicator.

Cornerstone-AmeriGuard Trend Indicator 2

Where should I invest?

Updated Cornerstone Funnel.png

After determining how much to invest, the Cornerstone models begin to filter through the numerous active Biblically Responsible Investment (BRI) funds. This filter allows the  Cornerstone Models to take advantage of current trends in the markets, allocating the assets to the “hot hand” and reducing or eliminating allocations to market segments that are out of favor. While not always perfect, trends typically stay in place for long periods of time, so this focus on the stronger funds gives the Cornerstone Models a potential edge over more 
traditional buy and hold allocations.

The Cornerstone Portfolios are designed to meet a wide range of investment objectives & risk
preferences. Starting with a “balanced” allocation, which moves above and below 50% stock market exposure, each Cornerstone Portfolio increases market exposure and with it, the overall risk. The table below illustrates the equity exposure which will vary based on the current trend in the market.
Investors are encouraged to look at their own portfolio and work with their financial advisor when determining the appropriate Cornerstone portfolio.

BRI Partners

As mentioned above, our goal is to work with fund managers who stand strong in areas where the Bible is clear. Our primary partners are Eventide, Inspire, Guidestone, Timothy Funds, and Hundredfold Advisors. More information about each can be found below (source: Make Your Money Count)

BRI table.png

"Eventide's investment philosophy is rooted in the biblical understanding that God's great intent for business is that it serve and, in turn, bless humankind... and that companies that prosper best, and sustainably, are the ones who do this especially well.

Accordingly, Eventide seeks to invest in companies that operate with integrity and excel at creating value... Just as importantly, Eventide tries to avoid investing in companies that engage in predatory behavior or seek profit at all costs..."

Values: Passionate, Bold, Collaborative, Constantly Improving, Humble, High Integrity


"We believe that good returns and good values are not mutually exclusive. Not only do we invest in some of the most impactful companies in the world, but we also seek to be one of the most impactful companies in the world...

Every dollar invested with Inspire is helping to inspire transformation throughout the world.

Everyone pays fees. But how is that money used?

Inspire Investing takes 50% of the net profits from our management fees and donates them to Christian charities. So, as you work towards your financial goals, your investment with Inspire impacts the world..."


"GuideStone Funds does not invest in any company that is publicly recognized, as determined by GuideStone, as being in the alcohol, tobacco, gambling, pornography or abortion industries or any company whose products, services or activities are publicly recognized as being incompatible with the moral and ethical posture of GuideStone.

We are disciplined in our adherence to these guidelines and take very seriously our responsibility to help investors meet their financial goals without compromising their personal principles."

guidestone investing.PNG

"Innovative and competitive investment options can be created that align with

Christian values.

Active portfolio management via a manager-of-managers investment approach adds value over a full market cycle.

Broad diversification and an emphasis on intentional risk produces attractive

risk-adjusted returns."

timothy funds.PNG

"Timothy Plan exists to promote biblically responsible investing. Our foundational principle of investing is that God owns everything. This is why our funds take a pro-life, pro-family approach to investing -- not only to benefit the investor but the broader culture. We are firmly committed to running a mutual fund company with the integrity, excellence, and wisdom that brings honor and glory to our Lord Jesus...


Timothy Plan allows you to invest in companies whose products and practices bring real blessing to the broader culture. We believe this is a better kind of investing."

Our Screens -- Investing with a clear conscience




"Hundredfold provides active investment management specifically to the Hundredfold Select Funds. Through our passion for philanthropy, subadvisory fees earned by Hundredfold are passed on to a 501(c)(3) Supporting Organization, Simply Distribute, which supports medical, religious, scientific and educational activities throughout the world..."

Simply Distribute "cares about the improvement of humanity and is concerned for human interest..."


While SEM attempts to fulfill the above mandate to the best of our abilities, we rely on the underlying fund sponsors to perform deeper due diligence to meet their stated Biblically Responsible Investment mandates. No investment approach will be able to exclude all possible areas of conflict as the differences in definitions as well as the data available varies. 

Want to make a difference?

We work with advisors and investors all across the country.


If you'd like more information on how you can access SEM's Cornerstone Portfolios, click the appropriate button below:

© 2016-20 Strategic Equity Management, Inc. dba SEM Wealth Management. Site created by Courtney Hybiak.


This site is for INFORMATIONAL PURPOSES ONLY.  Investing in the stock or bond markets involves risk and may not be suitable for all investors. Before making any investment decisions you should carefully consider your investment objectives, level of experience and risk appetite. The possibility exists you could sustain a loss of some or all of your initial investment and therefore you should not invest money you cannot afford to lose. You should be aware of all the risks associated with your investments and seek advice from an independent financial advisor if you have any doubts. All investments involve risk including those managed by SEM Wealth Management (SEM).


​Any opinions, news, research, analysis, prices or other information contained on this website, by SEM, its employees, partners or contributors, is provided as general market commentary and does not constitute investment advice. SEM will not accept liability for any loss or damage, including without limitation to, any loss of profit, which may arise directly or indirectly from use of or reliance on such information.


The use of this website constitutes acceptance of our user agreement. Past performance is NOT indicative of future results.


There is no representation made as to the future results of SEM’s programs or if they will be profitable.

For additional information on the author and SEM, please see our DISCLOSURE DOCUMENT (ADV Part 2)

Privacy Policy:

Our client's privacy is important to us.  Under federal law all clients have a right to know what information is being collected about them and how that information will be used.  SEM’s goal is to protect their privacy.  To conduct regular business, we may collect nonpublic personal information from sources such as:

    • Information reported by clients or their advisors on applications or other forms provided to us by them

    • Information about transactions with us, our affiliates, or others

However, SEM does not share or disclose any nonpublic personal information about its current or former customers, except as permitted by law.  All information will remain confidential.


Information Safeguarding
SEM will internally safeguard all nonpublic personal information by restricting access to only those employees who provide products or services to you or those who need access to client information to service your account.  In addition, we will maintain physical, electronic and procedural safeguards that meet federal and/or state guidelines to guard any nonpublic personal information.

This policy is provided in accordance with Title V of the Gramm-Leach-Bliley Act and Regulation S-P.