Richard Sadowski started in the financial services industry with a large multi-national firm in October 1972. He became a Chartered Life Underwriter (CLU) in 1990 and a Chartered Financial Consultant (ChFC) in 1991. After being involved in the Field Advisory Counsel for the firm for several years fighting against the tendency of the firm to abandon Judean-Christian principles, he took early retirement in February of 1998 in order to pursue continued involvement in the financial services industry without the intrusive control of a large firm.

Because his son, Todd, had indicated a desire to participate in the family business, Richard searched for and found a broker-dealer that would allow independence and the ability to align their practice with their Christian beliefs. Todd joined the firm in November of 1998 and their affiliation with that broker-dealer worked extremely well for them until the spring of 2005 when the broker-dealer was taken over by another large firm who had a policy of not allowing "mixing faith with finances".

After spending several months unsuccessfully trying to convince the new firm to change their policy, Richard and Todd submitted a resignation letter to the firm stating that "the firm may say one thing but God says another", and that they "could no longer associate with a firm who would not allow them to express their Christian beliefs through their practice."

Anticipating the resignation in advance, Richard and Todd aligned themselves to join GA Repple & Company, one of the few Christian broker-dealers in the country. Their practice has flourished since the change.

As mentioned, Todd joined the firm named Sadowski and Associates in 1998. In the year 2000, Todd and Richard discovered through a website that their personal investments were violating their Christian values. That began a search to find alternative investments that would not do so for themselves and their clients.

That search made them aware of the National Association of Christian Financial Consultants (NACFC), and they soon became involved in that organization. Shortly thereafter, Richard became a member of the Board of Directors of the NACFC.

In 2001, Todd approached Richard stating that he felt God calling him in a different direction. During that same period in time Richard had been involved in training that ultimately challenged him to "discover the fire within" and focus on manifesting this passion within his practice. The result was the formation of Christian Financial Principles in January of 2002.

Christian Financial Principles is a financial planning and investment management firm dedicated to building wealth for clients in a Biblically responsible manner. Their vision is to help Christians meet or exceed their financial goals utilizing products and services that are not only superior in strength and performance, but also embrace Christian values. They are committed to proven stewardship-based strategies providing their clients with peace of mind and spirit.

Ron Blue approached the NACFC Board in 2002 telling them about his vision to form an international community of Christian financial professionals integrating faith and practice for Kingdom impact. Richard and other members of the board embraced Ron's vision and were supportive in the formation of the Christian Financial Professionals Network (CFPN), now known as Kingdom Advisors.
Richard and others on the board continue to be active leaders in the Biblically Responsible Investing Community Group of Kingdom Advisors developing and providing resources for financial professionals nationwide to implement Biblically Responsible Investing within their practice. Richard resigned from the NACFC Board to devote more attention to serving Kingdom Advisors, and is a Charter Member and has gone through the training to become a Qualified Kingdom Advisor.

Richard and his wife, Beverly, are active in leadership and teaching roles in their church. Richard has a passion for helping Christians understand what they believe and why they believe it, and is involved in leading the teaching series, Tactics in Defending the Faith.

Their primary joy is interacting with their grandchildren and children. They are blessed to live within 15 min. so are able to see them often. Beverly is a Health Insurance Specialist working in the same office as Richard and Todd, and all the staff and other financial representatives of Christian Financial Principles are dedicated Christians thus are brothers and sisters in Christ. It is truly a joy to come to work each day to serve the Lord through our practice.

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