BRI Investing

Biblically Responsible Investing

A values-led portfolio starts with more than a screen. It asks how Christian convictions, investment risk and the goals you are building toward can work together over time.

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Values In Context

Let your convictions have a place in the investment conversation.

For many investors, the question is not simply how much a portfolio may grow. It is also whether the businesses and activities behind their investments are consistent with the principles they want their money to reflect. Biblically Responsible Investing gives that question a clear place to start.

That does not make the rest of the financial picture less important. A portfolio still needs to fit the life it is meant to support, including retirement timing, family commitments, cash needs, tax considerations, other accounts and the ability to stay invested through changing markets. BRI Investing brings those considerations into the same conversation rather than treating values and financial discipline as separate decisions.

It can also be useful for investors who have never chosen individual holdings themselves. Workplace plans, inherited accounts, mutual funds and professionally managed portfolios can all contain investments that deserve a closer look. The first step is not necessarily replacing everything. It is understanding what you own, what matters most to you and where a more intentional approach could fit.

A Clearer Lens

What the BRI approach is designed to consider.

Christian values

The approach seeks to avoid investments in business activities that conflict with the biblical principles applied to BRI portfolios. A conversation about those principles helps ensure the values lens is understood, not assumed.

Portfolio discipline

Values-led investing still calls for a disciplined view of diversification, allocation, cost, liquidity and rebalancing. The point is not to chase a label. It is to build a portfolio you can understand and maintain.

Your risk profile

Every investor has a different ability and willingness to take risk. The right portfolio should reflect your time horizon, income needs, existing resources and comfort with market movement, not a one-size-fits-all template.

Long-term priorities

A portfolio is one part of a larger plan. Retirement, family, giving, charitable goals and future decisions can all affect how a BRI approach may fit into the years ahead.

Screening With Care

Know what a values screen can, and cannot, do.

A BRI screen can help investors take a more deliberate view of the companies and industries represented in a portfolio. BRI portfolios seek to avoid business activities that conflict with the applied principles, including abortion, human exploitation, cannabis, alcohol, tobacco and gambling.

Screening alone is not a complete investment decision. It does not guarantee performance, prevent losses or ensure that every holding will address every personal concern. It also does not remove the need to understand portfolio risk, how investments work together, what you own elsewhere and whether the strategy suits your goals.

That is why a good BRI conversation includes the practical questions. What does the portfolio hold? How is it diversified? What tradeoffs may come with a narrower investment universe? How often is it reviewed? And how does it relate to the plan you already have in place?

Those answers can change as life changes. A portfolio that made sense while you were accumulating assets may need a different balance as retirement approaches, income needs increase or a family decision changes your priorities. Reviewing the values lens and the financial plan together can make those transitions easier to discuss and act on with care.

A Thoughtful Process

Start with the questions that matter before you change a portfolio.

01
Bring the full picture
Start with the accounts, goals, values and decisions already on your mind. That may include retirement savings, employer plans, taxable investments, cash reserves, charitable intent or investments you inherited years ago.
02
Clarify the values lens
Discuss the biblical principles you want considered and what they mean in practice. A clear process is more useful than assuming every values-oriented product applies the same standards.
03
Review risk and allocation
Look at time horizon, income needs, liquidity, diversification and the role each account plays. A values-led portfolio needs the same careful fit as any other long-term investment decision.
04
Decide the next step
Leave with a clearer view of whether a BRI portfolio belongs in your plan, what information deserves further review and how an advisor relationship may help keep the approach current.

Who It May Help

BRI may be worth exploring when you want both conviction and a disciplined plan.

A Biblically Responsible Investing conversation can be helpful for people who want a clearer connection between faith and the investments they own, whether they are building wealth, approaching retirement, reviewing a longstanding portfolio or rethinking the role their money plays in the world.

You want Christian values reflected more intentionally in your investment approach.
You have investments spread across several accounts and want to understand the bigger picture.
You are evaluating a values-focused fund or portfolio and want to look beyond the label.
You want risk, diversification and long-term goals considered alongside your convictions.
You would value an ongoing advisor relationship rather than a one-time product decision.

BRI Investing is a service of MRA Advisory Group. An advisor can help you determine whether a values-led portfolio approach is appropriate for your circumstances after reviewing your objectives, time horizon and risk profile. The goal is a decision you can explain with confidence, not simply a new label on an account.

Common Questions

Bring your questions. Start with clarity.

What is Biblically Responsible Investing?

Biblically Responsible Investing is an approach that brings Christian values into investment selection and portfolio oversight. It considers whether investments align with stated biblical principles while keeping risk, diversification, time horizon and financial goals in view.

Does a BRI screen replace financial planning?

No. A screen can help clarify what a portfolio seeks to avoid, but it does not answer every investment question. Your need for growth, income, liquidity, diversification and risk capacity still matters.

Can a BRI portfolio fit an existing investment plan?

It can be worth exploring. An advisor can help assess how a values-led portfolio may work alongside retirement accounts, taxable investments, cash needs, employer benefits and the investments you already own.

How are BRI portfolios reviewed?

BRI portfolios are reviewed through an ongoing process that considers the applicable screening approach, portfolio allocation, rebalancing needs and the financial circumstances that can change over time.

Will a BRI portfolio eliminate investment risk?

No. All investing involves risk, including the possible loss of principal. A values-led approach should be evaluated with the same care around diversification, costs, time horizon and suitability as any other investment approach.

A Conversation About BRI

See whether a values-led portfolio belongs in your plan.

Bring your convictions, questions and long-term goals. An MRA advisor can help you explore how they may fit together, without reducing an important decision to a generic investment label.

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