Dr. Bob Vallier has been a CMC missionary since 1984, (40 Yrs.). he has BS in Accounting@ BJU., MA in Education, Th.D. in Theology. He is a licensed financial planner (Arlington Securities) since 1986.  He is the author of, " Financial Freedom for the Christian Family." He has preached over 2,000 sermons stewardship and financial accountability. Church Business Ministries receives over 30 phone calls a day on tax law issues.