Alignment with Biblical values
Seek investments that better align with the Christian principles applied to the portfolios.
WealthBuilder BRI Resource Center
Invest with your values in view.
A clear place for individual investors to explore faith, disciplined portfolio management and the long-term financial life they are building.
Start here
The WealthBuilder BRI Investment Guide
Many Christian investors carefully consider how they spend, give and live according to their beliefs. Investments can be less visible, even though funds and other investment vehicles may create indirect ownership in many businesses.
Biblically Responsible Investing gives investors another lens through which to evaluate their investments. It is a thoughtful way to bring faith, financial goals and investment discipline into the same conversation.
Begin with BRI screeningExplore the guide
Start with the questions that matter most to you.
01
Understand BRI
What values-aware investing is, and how it fits alongside traditional investment principles.
→02Explore screening
Learn what MRA seeks to avoid or reduce, and why screening remains a process.
→03Consider portfolio fit
See how risk profile, time horizon and diversification inform the portfolio conversation.
→04Connect the bigger picture
Understand how investments relate to retirement, taxes, generosity and legacy.
→Faith & Financial Stewardship
Do you know what your investments are supporting?
A portfolio can be an important expression of financial stewardship. Biblically Responsible Investing invites investors to ask thoughtful questions about the businesses and activities represented in a portfolio, without guilt, fear or judgment.
It is one component of an investment process, not a substitute for investment analysis. The goal is greater alignment while continuing to consider the financial factors that matter to an individual investor.
The MRA BRI Philosophy
Four principles that guide the conversation.
Positive impact & stewardship
Consider corporate responsibility, stewardship and a company’s contribution to society.
Ethical engagement
Consider governance, transparency, integrity and responsible business practices.
Long-term perspective
Maintain disciplined portfolio management focused on long-term objectives rather than short-term market reactions.
BRI Screening
A process for greater alignment, not a promise of perfect alignment.
MRA’s BRI process seeks to avoid or reduce exposure to companies involved in business activities that conflict with the Biblical principles applied to the portfolios.
AbortionHuman exploitationSexuality-related activities inconsistent with the screening methodologyCannabisAlcoholTobaccoGambling
Screening methodologies, company activities, available information, third-party data and investment vehicles can affect portfolio exposure. Screening is a process, not a guarantee that every holding will reflect every interpretation of Biblical teaching at all times.
How MRA Builds BRI Portfolios
Screening belongs inside a disciplined investment process.
- Research
- BRI screening
- Asset allocation
- Portfolio construction
- Implementation
- Monitoring
- Review & rebalancing
MRA’s Investment Committee brings values-based screening together with traditional portfolio-management principles. Diversification across appropriate asset classes remains important, even within a values-based portfolio, because a narrower investment universe can change sector, company and regional exposure.
Portfolio construction considers risk tolerance, financial objectives, time horizon, liquidity needs and the role the account plays in a broader financial plan.
The WealthBuilder BRI Portfolios
Three profiles. One careful starting point.
Every recommendation follows completion of MRA’s suitability and risk-profile process.
Conservative
Designed for investors seeking greater emphasis on capital preservation and income with more limited equity exposure.
Moderate
Designed for investors seeking a balance between long-term growth, income and risk management.
Aggressive
Designed for investors with longer time horizons and greater willingness and ability to accept market volatility in pursuit of long-term growth.
Active Oversight & Rebalancing
More than selecting screened investments and moving on.
BRI investing is not simply selecting screened funds and forgetting about them. MRA monitors portfolios and reviews them quarterly or as needed, without suggesting that market movements can be consistently predicted.
That review may consider market movements, valuation changes, economic conditions, portfolio drift, changes to underlying investments, changes in BRI screening information and changes in a client’s circumstances.
Rebalancing helps a portfolio remain connected to its intended allocation and risk profile as markets and life evolve.
BRI, ESG & Sustainable Investing
Related conversations can begin from different places.
BRI
Begins with a Biblical and Christian values framework.
ESG
Generally evaluates environmental, social and governance considerations.
Sustainable investing
May consider long-term environmental and social factors alongside financial considerations.
These approaches can overlap, but neither should be assumed to be inherently superior. The useful question is whether an approach fits the investor’s values, objectives and broader plan.
Investment Risk
Faith does not eliminate investment risk.
A values-based portfolio remains an investment portfolio. It involves risk, including possible loss of principal. Screening can alter sector and company exposure, which may cause BRI portfolios to perform differently from conventional or unscreened portfolios during certain periods.
- Market risk
- Interest-rate risk
- Equity risk
- Credit risk
- Inflation risk
- Concentration risk
- International-market risk
- Screening limitations
- Tracking differences
Diversification does not guarantee a profit or protect against loss. Past performance does not guarantee future results.
Invest.Steward.Give.
Generosity as Stewardship
Extending the purpose of the program beyond portfolio management.
MRA Advisory Group donates 10% of the net profits generated from managing its BRI portfolios to charity. This giving commitment reflects MRA’s approach to stewardship. It is not an investment benefit or a performance feature.
Every Financial Decision Is Connected
Your portfolio is part of a much larger financial life.
Faith & values↓Investments↓Financial planning↓Taxes↓Retirement↓Giving↓Estate & legacy
MRA believes investment decisions do not exist in isolation. Investments connect to financial goals, retirement, taxes, family, generosity, estate planning, risk management and the legacy an investor wants to create.
A BRI portfolio is designed to support that broader financial life, rather than operate independently from it.
Who May Want To Consider BRI?
Begin with the questions that matter to you.
- Is aligning your investments with your Christian beliefs important to you?
- Do you know what companies your current funds own?
- Are there industries you would prefer not to support through your investments?
- Do you want professional portfolio management alongside faith-based screening?
- How important is charitable stewardship within your broader financial plan?
- Would you like your investments, financial plan and values considered together?
These questions can be a useful starting point for a conversation with an MRA advisor about your current portfolio and the role a BRI approach may or may not play in your circumstances.
Fees & Access
Clear details for an informed conversation.
Underlying ETFs, funds or other investments may have their own expenses separate from MRA’s advisory fee, where applicable. Please review MRA’s current Form ADV brochure and advisory agreement for complete fee, billing and service details.
Frequently Asked Questions
Clear answers for a values-aware investment decision.
What is Biblically Responsible Investing?+
Biblically Responsible Investing is an approach that brings a Christian values lens to investment selection while still considering risk, diversification, costs, liquidity, time horizon and financial objectives.
Is BRI the same as ESG or sustainable investing?+
There can be overlap, but the starting points can differ. BRI begins with a Biblical and Christian values framework. ESG generally evaluates environmental, social and governance considerations. Neither approach should be assumed to be right for every investor.
Does screening remove investment risk?+
No. A values-based portfolio remains an investment portfolio and involves risk, including possible loss of principal. Screening can also produce performance differences from conventional or unscreened portfolios.
How is a BRI portfolio reviewed?+
MRA monitors portfolios and reviews them quarterly or as needed. Reviews can consider portfolio drift, market conditions, valuation changes, underlying investments, screening information and changes in a client’s circumstances.
A Conversation About BRI
Can your investments reflect what matters to you?
If your Christian values guide the way you live, give and plan for the future, you may also want to consider how those values are reflected in your investments.
Important Information
MRA Advisory Group (“MRA”) does not guarantee the suitability or potential value of any specific investment or source of information and accepts no responsibility for reliance on such data. Past performance does not guarantee or indicate future results. This complete website is presented for informational purposes only. It should not be considered an offer to sell or a solicitation of an offer to buy the securities or other instruments mentioned therein. Opinions expressed here are subject to change without prior notice. Products mentioned in this document may not be eligible for sale in some states or countries nor suitable for all types of investors; their value and the income they produce may fluctuate and/or be negatively affected by exchange rates, interest rates, or other factors. MRA is an SEC-registered investment advisor with principal offices in the state of New Jersey. Before investing, clients must complete a suitability profile with an MRA Advisory advisor in order to determine their investment objectives, time horizon, and risk profile, among other factors. An individual portfolio recommendation will be presented to clients upon completing their respective suitability profile. MRA and its representatives comply with current registration and notification requirements imposed on registered investment advisers by the states where MRA maintains clients. MRA may only conduct business in states in which it is registered/notified or qualifies for an exemption or exclusion from registration/notification requirements. This website is limited to disclosing general information regarding its investment advisory services. For information regarding MRA registration status, contact MRA or consult the Investment Adviser Public Disclosure website (www.adviserinfo.sec.gov). A complete description of MRA’s fees is outlined in Part II of your Form ADV .
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