As we complete the first month of 2026, the landscape for local churches is shifting from reactive management to bold, strategic planning. The challenges of recent years have revealed that financial stability is not just about survival; it is about stewardship…managing God’s resources with foresight to create lasting impact. The coming year offers a promising opportunity for churches to move beyond maintenance and truly invest in their mission, ensuring they are prepared to be salt and light in their communities. This means having clear, transparent financial records, setting realistic budgets that reflect your mission, and fostering a culture of trust and generosity.

While tithes and offerings are the financial foundation of ministry, diversifying income streams can provide stability against fluctuating giving patterns.

  • Invest in Reserves: Building a minimum 6–12 month operating expense reserve provides peace of mind and allows the church to act quickly on unexpected opportunities or needs. This is similar to the rainy day or emergency fund many households utilize. We are glad to have them when the funds are needed, and we must be disciplined to rebuild and maintain them when it has been necessary to withdraw from them. A Development Fund Savings Account with us is a GREAT way for these funds to build interest and grow while they are blissfully just sitting there when there is not a need.
  • Market Investment: For churches with sufficient savings, investing in market-based, faith-aligned funds can help resources grow, allowing the church to act as a steward of capital, not just a manager of it. The United Methodist Foundation for the Tennessee-Western Kentucky Conference presently manages a portfolio of just under $100 million dollars. We can also assist with planned giving initiatives, estate gifts, capital campaigns, and stewardship coaching. 

The Year of our Lord 2026 is expected to be one where proactive churches can take advantage of improving economic conditions. Considering loans to improve capital—such as renovating facilities, upgrading technology for outreach, or expanding ministry space—should not be viewed as taking on burdensome debt, but rather as renting affordable money to expand ministry impact today. A well-structured loan can accelerate growth, providing the infrastructure needed to reach more people for the Kingdom.

Let 2026 be a year of bold, wise, and faithful action. By combining faith-based stewardship with modern financial tools, your church can ensure it is not just getting by, but growing in its ability to serve. “Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up.” (Galatians 6:9)

The United Methodist Foundation for the TWKC, and the United Methodist Development Fund for TN/KY, Inc. stand ready to be your trustworthy partners in the stewardship of God’s resources within reach for your faith community. Visit our website and reach out to us…we would love to meet with your church and hear about the hopes, dreams, and visions that comes from the Holy Spirit’s movement in your lives.

Serving with Christ, serving with you,
Rev. Dr. David Weatherly,
President & CEO