Letter from Brian Alnes

Wow, Winter has finally arrived and it is cold, really cold, but it is beautiful around here. We had a group in this past weekend, they have been coming for many years. The nighttime low was -21 degrees, the high on Saturday was 8 degrees. The highlight for their students and their Youth Pastor is the Polar Plunge. They pushed really hard to be allowed to plunge as we usually won't if it's under 10 degrees. I caved in and said yes, and I am blown away at how significant this one activity is for this one specific group. They went over and over again. In the hole, to the sauna, to the hole to the sauna...

I heard this morning from a couple of the leaders of the group that the conversations last night at chapel were deep and God is working in the lives of their students. I love LBBC and what we get to do here.

There is some fun info in this months newsletter. Get a glimpse into Phil Tolbert (Program Director). Phil is driven to move things forward. Solid Rock students are on a plane as I type this article. The pictures they have sent so far are awesome. It's been a great trip for them and we are excited to start hearing the stories. You are going to start seeing some updated info on the pole course. We have pulled the trigger and we are doing everything we can to get it done before Memorial Day Family Camp, but we need your help to make it happen. Details will be coming.

I am so encouraged these past few weeks about where God has been leading us. We have an amazing staff here and the new staff are excited to meet you, serve you and take this place to the next level. Thank you for the many who have called, emailed and texted just reminding us that you are praying for us. We are super excited about where we are and where God is going to take us in the next year.

As always if you have any input for us, thoughts, ideas, concerns: Please email me brian@lbbc.com or call my cell 320-219-3199, I would love to hear from you.
Greetings From Lake Beauty!
Marriage Retreat 2019

We are excited to be hosting another marriage retreat out at Lake Beauty this winter. Back by popular demand are Brad and Terry Friedlein, as our keynote speakers for the weekend. Please come out and join us February 15-17 for a weekend filled with rest, relaxation, and recovery.

For more information on the event and to register call or go online to our website by clicking here.
Message From Phil Tolbert

Hello, hi, greetings, and salutation,

What a first month it has been out on Beauty Lake!  My life has been full of meetings with other staff, assisting with retreats, networking at MidWinter (along with a class) and creating a program to knock the socks off this summer!  Brian asked me a few days ago how the transition has been and my one word response was, "refreshing." If you have not been out to the property yet, I encourage you to just show up and meet the staff; boy are they great, godly people with some of the most servant-hearts.

We are excited about this summer and what lies ahead beyond it.  Yet, one thing I have been able to do is come into the LBBC situation with a different perspective. I also want to be a listening ear for every person and church we represent. I have told countless leaders within the church how much I want to be an advocate for them and assisting in helping their students/families to know and follow Christ.  With that I have tasked our ministry staff and myself to relook at our 'sponsored' kids retreats and what we need to do to make them excel. We created a questionnaire that was sent out to many church leaders and are anticipating their responses to see how we need to move forward. The trends in youth ministry are always ebbing and flowing and we want to stay proactive rather than reactive.  This may be discounting our Trailblazer or JR/SR High retreats for the moment and encouraging churches to partner with others, or just themselves, and creating their own retreat format, which we would help run.

If you have a thought about how to make our sponsored Lake Beauty retreats even better I would love to here about it. If you are just wanting to have a conversation or pick my brain, I am all ears.  Please feel free to reach out with any thoughts! My email is program@lbbc.com and I look forward to hearing from you.  
Remember, you belong to youth camp, and youth camp belongs to you.

Faithfully Serving,

Phil Tolbert

Get to Know Phil Tolbert!!

We wanted you to get to know, Phil Tolbert, our new program director, a little better. So we asked him these 4 questions!

1. What is your heart for camping ministry and what excites you about being Program Director at Lake Beauty?

I love camping ministry! I grew up going to youth camp and have served in multiple roles at various camps as well. My former claim to fame was being associated with youth camp for 26 consecutive years, whether that was as a camper, counselor, worker, intern, etc. Camp can be a life-changing experience for people; it becomes a place where people can grow in their faith and learn more about who they are, without getting labeled or judged. I am excited to be the person who gets the creative mindset to come up with various activities where people get the opportunity to encounter God in a different light. All you really need is: one camper, one canoe, and one conversation.

2. What does your position all encompass? We know you are in charge of summer camps, but what do you do the rest of the year?

Any and everything program related and getting to work closely with the Ministry Staff as well as collaborating with others coming up with our summer theme, day by day breakdowns, staff hiring, promo visits, and really all things camp. During the non-summer months I get to go around and talk about camp to our supporting churches. You will also see me running various programs on weekends when we have retreats as well. I also get the pleasure to plan our LBBC sponsored retreats, whether that be Trailblazers, Jr/Sr High, Marriage, Women's, Quilters, Senior Day, and others.

3. The theme for this summer is Oasis - what does this mean to you personally, and what do you want campers to get from this theme during their time at camp this summer?

Oasis is a great metaphor for what we go through in life. Our tagline, "Encountering life in the desert" is a great reminder for us, that while we are traveling throughout the desert of life, our mission is to find where Jesus is. We may encounter various 'mirages' that will give us false hope, but not the eternal one we seek. I hope and encourage that every camper can walk away this summer and answer the question, "Who am I?" We are able to figure out more of who we are as a person by seeking out God fully and who he is.

4. What else do you want people to know about you?

I am originally from Michigan. Go Blue! I have had the privilege of being married to my lovely wife Jenna for 4 years. We have 2 children, Liam (2) and Lochlann (9 months). I love to play/listen to music, run and golf. I currently am a seminary student as well at North Park Theological Seminary pursuing my Master of Divinity. Also, there aren't too many times that you'll see me not sporting some sort of hat.

Have thoughts, comments, or questions for Phil? He'd love to hear from you. Call our office or email him at  program@lbbc.com

Apply for the 2019-2020 School Year Now!

Applications are open for the 2019-2020 school year starting in August! Start the year with a week-long trip to the boundary waters, immerse yourself in biblical and theological learning, and spend two week in Israel. There is no better opportunity for you after you graduate from high school! Visit our website to apply today:   www.solidrockmn.org 

Visiting Solid Rock

If you'd like to visit Solid Rock, sit in on a class, and meet with staff and professors, contact Tyler! We'd love to have you come and visit! 

Israel Trip (Stay Tuned)

Be on the look out for some photos from the student's trip to Israel. We will be sending an email blast later this month!
In This Issue

Contact Us

Executive Director

Solid Rock Director

Guest Services


Food Service
Ministry Support

Winter/Early Spring Camp Schedule

Jr & Sr High Winter Retreat: Feb 1-3
Marriage Retreat: Feb 15-17 

Early Bird Discount Deadline April 8*
*For all 2019 Youth & Family Camps
Spring Quilt 5 Day:  April 3-7
Spring Quilt 4 Day: April 4-7
Spring Quilt 3: Day April 5-7
Dos and Don'ts of Required Minimum Distributions

You can't keep your money in your Traditional IRA forever. You must begin taking annual required minimum distributions (RMDs) from your IRAs (excluding Roth IRAs) the year that you turn age 70½. If you miss an RMD, you owe the IRS an excess accumulation penalty tax-50 percent of the undistributed required amount.   Whether you're already taking RMDs or about to start, the following tips can help you plan for taking your RMDs and avoid tax penalties.


Review your RMD statement.  Start planning for your RMD by reviewing the RMD statement your financial organization sends to you in January. This statement tells you if an RMD is due for that year, and it provides an estimated RMD amount or an offer for the financial organization to calculate it for you (if you contact them).

Take your first RMD by your required beginning date (RBD).  The RBD is the deadline for your first-year RMD-April 1 of the year after the year you turn age 70½. If you turned age 70 in the first half of this year, you turned age 70½ in 2018 and your RBD is April 1, 2019. You must take your first RMD by this date or you'll owe the penalty tax.

Take your RMDs from your 401(k) plan too.  Plan participants generally must begin taking RMDs from their 401(k) plan once they reach age 70½ too. But if you're still working (and not a five-percent owner), your plan might allow you to delay your 401(k) RMDs until the calendar year in which you retire. Remember, unlike IRAs, RMDs also apply to Roth contributions in your 401(k). Talk to your plan administrator for details about your 401(k) RMDs.

Consider scheduled automatic payments.   Many financial organizations allow IRA owners to schedule RMDs. Setting up automatic distributions means you won't have to worry about missing RMDs and having to pay penalties.

Talk to your tax advisor.   To be sure you understand the tax consequences, speak with your tax advisor or Financial Services Representative from Covenant Trust Company before taking IRA distributions. For more information about RMDs, check  IRS Publication 590-B , Distributions from Individual Retirement Arrangements (IRAs).


Forget that when you take your first RMD, you may have two due in the same year.   The deadline for your second-year RMD-and every year after-is December 31 of the applicable year. So, if you don't take your first RMD until the next year (before April 1), your first- and second-year RMD will be due in the same year. For example, if you take your first (2018) RMD on April 1, 2019, your 2019 (second-year) RMD also is due that year, by December 31, 2019.

Rollover your RMD.   Any money you take from your IRA must first satisfy your RMD. If you roll over an RMD, it is considered a regular contribution instead of a rollover contribution. This leads to an excess contribution that you must remove timely or face a penalty tax. You can transfer an RMD amount to another IRA, as long as you still satisfy the RMD by your deadline. In fact, you can satisfy an RMD from any of your IRAs except Roth IRAs or inherited IRAs (and never from your 401(k) plan).

Feel limited to taking only the RMD amount.  While you're required to distribute at least your annual RMD, you can always take more.

Steve Allison          218-297-7701           srallison@covenanttrust.com
Erik Carlson           763-253-6311           ewcarlson@covenanttrust.com
Karlene Crabtree    612-252-8599         kmcrabtree@covenanttrust.com
Steve Allison, ChFC | Financial Services Representative |
Covenant Trust Company
5706 Arnold Rd, Duluth, MN  55803 |
Office: 800-483-2177 | Direct: 218-297-7701
CovenantTrust.com | CovTrustBlog.com