Over the past 18 months or so, we have seen an extraordinary increase in interest rate earnings from all types of fixed income products. 

For most of us, our lives generally follow a predictable path. If we are lucky, we enjoy good health as we age, and those years can be truly wonderful. However, there may come a time when illness or injury disrupts this trajectory. While some may experience only a brief setback, others may endure the lingering effects for years. 

Being active participants in our community and donating our time, talent, and treasury are important values to us here at Willow Creek.

If applying to college is the most stressful thing a teenager has done in their lives, paying for college is a close equivalent for their parents.

As we step across the threshold into a new calendar year, I see this time as an excellent opportunity to reflect upon the past 12 months here at Willow Creek and look ahead to what we can achieve going forward into 2023 and beyond.