The Kingdom and the Capital: A Financial Investigation into the Net Worth of Dr. Bill Winston and His Enterprise

The Founder’s Profile: From Fighter Pilot to Prosperity Preacher

To comprehend the intricate financial ecosystem built by Dr. William Samuel Winston, one must first examine the distinct and formidable careers that shaped his operational philosophy.

His life story is a progression through highly structured, results-oriented environments—the military, corporate America, and the Word of Faith ministry—each contributing a unique skill set to the creation of his eventual enterprise.

Early Life and Formative Influences

Born in Tuskegee, Alabama, on May 6, 1943, Winston grew up in the shadow of the famed Tuskegee Airmen, whose legacy of discipline and excellence in aviation left a lasting impression on him.¹

This early inspiration would manifest decades later in his ministry’s acquisition of an aviation company.

He graduated from the historic Tuskegee Institute in 1967, an institution founded on the principles of economic empowerment and self-sufficiency.¹

Decorated Military Service

Following his graduation, Winston enlisted in the United States Air Force, where he served for six years as a fighter pilot during the Vietnam War.¹

His service was not merely a tour of duty but a period of distinguished performance under extreme pressure.

In March 1971, he piloted an F-4E Phantom jet on a mission deep into North Vietnamese territory, successfully striking anti-aircraft batteries.

For this act, he was awarded the Distinguished Flying Cross, one of the military’s highest honors for heroism.¹

His military career was further decorated with the Air Medal and the Squadron Top Gun Award, cementing a reputation for precision, performance, and leadership in a high-stakes arena.¹

Corporate Success at IBM

Transitioning from military to civilian life in 1973, Winston joined the IBM Corporation, a titan of the corporate world known for its rigorous sales methodologies and structured management.¹

He began as a marketer and quickly ascended the ranks to become a Regional Marketing Manager in the Midwest Region, a testament to his proficiency in the metrics-driven world of corporate sales and business development.¹

It was during his tenure at IBM that he met Veronica Irene Brown; they married in 1983, and she would become his partner in both life and ministry.¹

The business acumen, strategic planning, and managerial expertise honed at IBM would become foundational pillars of his future ministerial operations.

The Call to Ministry and Humble Beginnings

According to his biography, Winston experienced a spiritual “born again” conversion while at IBM, which led him to feel a divine call into full-time ministry.¹

In 1985, he resigned from his lucrative corporate career to pursue this new path, attending Logos Bible School and later studying briefly at Oral Roberts University, a key institution within the burgeoning Word of Faith movement.¹

His ministerial beginnings were markedly humble.

In 1988, while residing in Minnesota, Winston and his wife began traveling to Chicago on weekends to conduct “Faith Crusades” in a Quality Inn hotel, with attendance often numbering fewer than 20 people.¹

This small-scale start provides a dramatic baseline against which the subsequent, explosive growth of his ministry can be measured.

The arc of his career is not one of disparate chapters but a continuous application of a core mindset.

The discipline of a fighter pilot, the strategic salesmanship of an IBM manager, and the principles of the prosperity gospel all converge on a shared premise: adherence to a specific process yields predictable, measurable, and successful outcomes.

This business-like approach to faith is the critical lens through which the financial structure and success of his enterprise must be viewed.

The Winston Ecosystem: Mapping a Labyrinth of Corporate and Non-Profit Entities

Dr. Bill Winston presides over a complex and diversified portfolio of religious non-profits, educational institutions, and for-profit businesses.

This intricate structure, which can be termed the “Winston Ecosystem,” is designed for brand extension, revenue diversification, and a strategic compartmentalization of finances.

Understanding the role of each component is essential to analyzing the flow of capital and the overall scale of the enterprise.

The Core Religious Entities

At the heart of the ecosystem are the primary religious organizations that drive the overarching mission and fundraising.

• Living Word Christian Center (LWCC): This is the flagship organization, a non-denominational megachurch in Forest Park, Illinois, with a claimed membership of over 22,000.¹ It serves as the spiritual and operational hub of the entire ecosystem. LWCC also operates a satellite church in Winston’s hometown of Tuskegee, Alabama.⁴ Critically, as a church, LWCC is exempt from the requirement to file a public Form 990 financial disclosure with the IRS. This exemption renders its finances, including revenue, expenses, and leadership compensation, a “black box” inaccessible to public scrutiny.⁶
• Bill Winston Ministries (BWM): This is the global media and outreach arm, structured as a 501(c)(3) non-profit organization that does file a public Form 990.⁸ BWM is the primary vehicle for disseminating Winston’s teachings globally through his television and radio program,
  Believer’s Walk of Faith, which claims to reach over 800 million households.⁹ With international offices in South Africa and Canada, BWM functions as the enterprise’s public-facing fundraising engine.²
• Faith Ministries Alliance (FMA): This is an association of more than 540 churches and ministries across the U.S. and in eight other countries that are under Winston’s “ministerial covering and leadership”.⁴ While its financial structure is not detailed in public records, the FMA serves as a powerful network that extends Winston’s influence and theological brand far beyond his direct congregations.

The Educational and Entrepreneurial Wing

A key component of the ecosystem is its focus on business education, directly linking the ministry’s prosperity theology to practical application.

• Joseph Business School (JBS) / The Joseph Center: Founded by Winston, JBS is a nationally accredited business school with a main campus in Forest Park and eleven partnership locations, in addition to a significant online presence.⁴ JBS is also a registered non-profit that files a Form 990. Its stated mission is to teach “practical and biblical principles to empower adults to develop indispensable skills as successful entrepreneurs and business leaders,” creating a direct pipeline for followers to operationalize the ministry’s economic teachings.¹²

The For-Profit and Real Estate Holding Entities

The Winston Ecosystem includes substantial real estate and for-profit ventures, blurring the lines between ministry and commerce.

• Forest Park Plaza, LLC: This is the legal entity that owns and operates the 33-acre Forest Park Plaza, the shopping mall that houses LWCC and JBS.¹⁴ This for-profit entity has been the beneficiary of millions of dollars in public tax rebates from the Village of Forest Park.¹⁶
• Washington Plaza: This entity owns and operates a 13-acre, 100,000-square-foot shopping mall in Tuskegee, Alabama, which is currently undergoing renovation.¹⁷
• Golden Eagle Aviation: Connecting directly to Winston’s past as a decorated pilot, the ministry owns this fixed-base operation (FBO) at the historic Moton Field in Tuskegee.¹²
• Ancillary Businesses: The enterprise is further diversified with a chain of Royal Christian Bookstores and Cafes, a water bottling company named Village Well, and a consulting firm called Golden Lakes Monetary Consultants.¹⁷

The organizational architecture appears strategically crafted to optimize both revenue generation and financial opacity.

The system allows a publicly transparent non-profit, Bill Winston Ministries, to solicit tax-deductible donations from a global audience.

These funds can then be channeled, through grants and other means, to support the activities of other entities within the ecosystem.

The most valuable assets, however, are held by Living Word Christian Center, the opaque megachurch.

This structure permits the public fundraising of BWM to fuel an enterprise whose largest component, LWCC, operates with no legal requirement for financial transparency, making it impossible for an outside observer to fully trace the use of donor funds across the entire organization.

Analyzing the Financial Engine: Capital Flows, Revenue Streams, and Opacity

A detailed examination of the available financial records reveals a powerful and rapidly growing economic engine at the core of the Winston enterprise.

While the complete financial picture is obscured by the non-reporting status of the central church entity, the public filings of its affiliated non-profits provide a clear window into the scale and primary drivers of its revenue.

Bill Winston Ministries (BWM): A Transparent Look at a Decade of Growth

The Form 990 tax filings of Bill Winston Ministries (BWM) offer the most comprehensive public data available.

An analysis of these documents from 2009 to 2020 shows a period of explosive financial growth.⁸

BWM’s total annual revenue surged from approximately $6.27 million in 2009 to $22.76 million in 2020, representing a remarkable 263% increase.⁸

The lifeblood of this financial engine is “Contributions.” This category, which includes donations, tithes, and “seed” money solicited from followers, consistently accounts for the vast majority of BWM’s income, ranging from 84% to over 94% of total revenue annually.

In 2020 alone, contributions amounted to $20.5 million.⁸

This underscores the direct link between the ministry’s prosperity-focused fundraising message and its financial success.

Beyond direct donations, BWM also generates substantial secondary revenue from the sale of Winston’s intellectual property.

In 2020, royalties from his books and media, combined with net sales of inventory (such as books and CDs), contributed over $1.45 million to the ministry’s top line.⁸

This revenue growth translated into a significant expansion of the ministry’s balance sheet.

BWM’s net assets—the value of its assets after subtracting liabilities—grew from $2.0 million at the end of 2009 to $6.02 million at the end of 2019.⁸

However, the financial data contains a significant anomaly.

The Form 990 for the fiscal year ending in December 2020 reports $0 for total assets, total liabilities, and net assets, despite posting over $22.7 million in revenue and a net income of nearly $9.9 million for that year.⁸

This major accounting discrepancy, which could be a clerical error or could indicate a year-end transfer of all assets out of the BWM entity, introduces a critical point of opacity that prevents a full understanding of the ministry’s financial position at the close of the most recently available reporting period.

Table 3.1: Financial Summary of Bill Winston Ministries (2009-2020)

Fiscal Year	Total Revenue	Contributions	% of Revenue from Contributions	Total Expenses	Net Income/(Loss)	End-of-Year Net Assets
2020	$22,762,916	$20,535,793	90.2%	$12,888,064	$9,874,852	$0*
2019	$15,498,938	$14,127,857	91.2%	$15,806,592	($307,654)	$6,022,737
2018	$13,813,911	$12,946,329	93.7%	$14,252,800	($438,889)	$6,329,133
2017	$13,417,883	$12,681,364	94.5%	$10,109,177	$3,308,706	$6,768,123
2016	$11,680,661	$10,948,348	93.7%	$11,829,349	($148,688)	$3,458,743
2015	$10,053,033	$9,264,731	92.2%	$7,296,506	$2,756,527	$3,607,431
2014	$8,238,132	$7,454,644	90.5%	$7,473,135	$764,997	$850,904
2013	$6,996,993	$6,193,101	88.5%	$7,186,594	($189,601)	$85,907
2012	$7,505,093	$6,577,877	87.6%	$7,475,360	$29,733	$275,508
2011	$6,421,014	$5,569,309	86.7%	$6,213,321	$207,693	$245,775
2010	$5,947,344	$5,019,899	84.4%	$7,909,398	($1,962,054)	$38,082
2009	$6,266,655	$5,590,360	89.2%	$5,115,387	$1,151,268	$2,000,150
Source: Data compiled from ProPublica Nonprofit Explorer, referencing IRS Form 990 filings.8
*Note: The $0 asset figure for 2020 is as reported on the Form 990 and represents a significant data anomaly.

Living Word Christian Center (LWCC): The Multi-Million Dollar Black Box

While BWM’s finances are public, the financial details of the central entity, Living Word Christian Center, remain private.

Publicly available estimates of LWCC’s revenue are wildly divergent, highlighting the challenge of assessing the enterprise’s full scope.

Data provider Zippia pegs the church’s annual revenue at a mere $1.5 million, a figure that seems implausibly low for a 22,000-member megachurch that owns a private jet and a shopping mall.²⁰

In stark contrast, business data aggregator Visual Visitor estimates LWCC’s annual revenue to be in the range of $50 million to $100 million.²²

This higher estimate is far more consistent with the scale of LWCC’s operations, its 170 employees, and its substantial asset holdings.

The vast gap between these figures illustrates the financial opacity that the church’s non-reporting status affords.

The Joseph Business School (JBS) and Inter-Entity Funding

The Joseph Business School provides another piece of the financial puzzle.

For the fiscal year ending in December 2023, JBS reported total revenues of $4.26 million, derived from a combination of contributions ($3.37 million) and program service revenue, or tuition ($887,364).²³

Crucially, financial records demonstrate a direct funding pipeline within the ecosystem.

In 2020, BWM provided a grant of $451,022 to JBS, showing how funds raised by the media ministry are used to capitalize other arms of the enterprise.²³

JBS is currently embarking on an ambitious $25 million fundraising campaign to expand its programs, signaling its importance as a growth center for the Winston Ecosystem.¹³

The financial model that emerges is akin to a modern corporate structure.

The prosperity message serves as the core marketing principle.

Bill Winston Ministries functions as the primary sales and fundraising division, capturing tax-deductible revenue from a global market.

This capital is then deployed to support various initiatives, like the Joseph Business School.

The ultimate wealth, however, including the most valuable luxury and real estate assets, is consolidated within Living Word Christian Center, a holding entity shielded from public financial disclosure.

This structure masterfully leverages the benefits of non-profit status to build substantial, tangible wealth that remains largely outside the scope of public accountability.

The Tangible Kingdom: A Valuation of Major Controlled Assets

Given that the financial opacity of Living Word Christian Center (LWCC) makes a precise calculation of Dr. Winston’s income or the enterprise’s total cash flow impossible, the most effective method for assessing the scale of his financial empire is to value its major, publicly identifiable assets.

This approach provides a conservative, data-driven estimate of the tangible wealth controlled by the Winston ecosystem.

The Gulfstream IV Private Jet (N316VB): Symbol of Prosperity

A potent symbol of the ministry’s “prosperous” status is its private jet.

Federal Aviation Administration (FAA) records confirm that a 1999 Gulfstream Aerospace G-IV jet, with the registration number N316VB, is owned directly by Living Word Christian Center of Forest Park, Illinois.²⁵

To determine its value, market data for similar aircraft provides a reliable guide.

According to AircraftBluebook, a leading industry resource, a 1999 model Gulfstream GIV-SP has an average retail value of approximately $5.15 million.²⁶

A review of current market listings on platforms like Controller.com and LibertyJet.com shows comparable GIV-SP aircraft from the 1998-2002 production years priced between $3.5 million and $5.75 million.

One 1999 model was specifically listed for $4.7 million.²⁷

Based on this data, a conservative market valuation for LWCC’s jet falls in the range of

$4.5 million to $5.5 million.

The Real Estate Portfolio: An Anchor of Wealth

The Winston enterprise is anchored by a substantial real estate portfolio, primarily consisting of two large shopping plazas owned and operated by ministry-controlled entities.

Asset 1: Forest Park Plaza, Forest Park, Illinois

The crown jewel of the real estate holdings is the Forest Park Plaza, a sprawling 33-acre commercial property located at 7600 W.

Roosevelt Road.¹

This plaza, owned by Forest Park Plaza, LLC (a subsidiary of LWCC), is not only a commercial venture but also houses the main sanctuary of Living Word Christian Center and the Joseph Business School.¹⁵

The property was acquired in stages, with an initial purchase reported at $4 million and a subsequent $3.5 million purchase in 2017 to acquire the remaining parcels.²⁹

An early mortgage on the property was for $13.2 million.¹⁶

Valuing such a large and complex property without a formal appraisal requires estimation based on available commercial real estate metrics.

One approach is to value the land and the buildings separately.

The average price for commercial land in Cook County, Illinois, is approximately $401,179 per acre.³¹

For a 33-acre parcel, this implies a raw land value of over $13.2 million.

This does not account for the 344,827 square feet of developed buildings on the site.³²

A more comprehensive valuation can be estimated using a price-per-square-foot metric.

For a large, Class A, multi-tenant retail center of this vintage in a suburban Chicago market, a conservative valuation might range from $75 to $125 per square foot.

• Low-end estimate: $75/sq. ft. x 344,827 sq. ft. = $25.8 million
• High-end estimate: $125/sq. ft. x 344,827 sq. ft. = $43.1 million
  Therefore, a reasonable estimated value for the Forest Park Plaza is between $25 million and $45 million.

Asset 2: Washington Plaza, Tuskegee, Alabama

The ministry also owns Washington Plaza, a 13-acre shopping center with approximately 100,000 square feet of leasable space, located at 707 Martin Luther King Highway in Tuskegee, Alabama.¹⁸

The real estate market in Macon County, Alabama, is significantly different from that of suburban Chicago.

The average lease rate for retail space in Tuskegee is a modest $5 per square foot per year.³³

Commercial land values are also much lower, with a median price of around $16,875 per acre, which would place the land value of this 13-acre parcel at only about $220,000.³⁴

Given the market conditions, a price-per-square-foot valuation for the building would likely fall in the $30 to $50 range.

• Low-end estimate: $30/sq. ft. x 100,000 sq. ft. = $3.0 million
• High-end estimate: $50/sq. ft. x 100,000 sq. ft. = $5.0 million
  This places the estimated value of the Washington Plaza between $3 million and $5 million.

Table 4.1: Summary Valuation of Major Controlled Assets

Asset	Description	Owner of Record	Estimated Low Value	Estimated High Value
Gulfstream IV Jet (N316VB)	1999 Gulfstream Aerospace G-IV private jet	Living Word Christian Center	$4,500,000	$5,500,000
Forest Park Plaza	33-acre shopping mall with 344,827 sq. ft. of leasable space in Forest Park, IL	Forest Park Plaza, LLC (LWCC subsidiary)	$25,000,000	$45,000,000
Washington Plaza	13-acre shopping mall with 100,000 sq. ft. of leasable space in Tuskegee, AL	Washington Plaza (LWCC affiliate)	$3,000,000	$5,000,000
Total Estimated Asset Value			$32,500,000	$55,500,000

This valuation of just three major assets reveals a tangible portfolio worth tens of millions of dollars, all controlled by Dr. Winston’s enterprise.

Areas of Financial Scrutiny and Controversy

The growth and financial practices of the Winston enterprise have not been without controversy.

Several documented events have drawn scrutiny from watchdog organizations and media, raising questions about financial transparency, stewardship of donated funds, and the consistency of the ministry’s practices with its public-facing theology.

Offshore Corporations in the Bahamas

An investigation by the Trinity Foundation, a watchdog group that monitors religious fraud, uncovered links between Bill Winston and offshore companies registered in the Bahamas, a well-known tax haven.³⁵

The investigation, which utilized the International Consortium of Investigative Journalists (ICIJ) Offshore Leaks Database, identified two specific entities:

1. Dominion International Foundation, Inc.: This company was registered by Bill and Veronica Winston on February 24, 2006. Its current corporate status is listed as “unknown”.³⁵
2. YBC Limited: This company was registered on March 23, 2006, by a group that included Bill Winston and fellow televangelist Creflo Dollar. The company was officially “Struck off” the corporate registry in February 2009.³⁵

The purpose of these offshore entities has never been publicly disclosed.

While establishing an offshore company is not inherently illegal, the choice of a tax-haven jurisdiction by a religious leader soliciting public donations raises significant transparency concerns.

The issue is compounded by the fact that during the years these corporations were active (2006-2009), Bill Winston Ministries’ public Form 990 filings did not report any foreign bank accounts or relationships with foreign organizations, as required by the IRS for certain activities.³⁵

The Paycheck Protection Program (PPP) Loan

During the height of the COVID-19 pandemic in 2020, Living Word Christian Center applied for and received a forgivable loan of $1,879,310 through the federal Paycheck Protection Program (PPP).⁶

The stated purpose of the loan was to retain 147 jobs.

The acceptance of these government funds, which were intended to help struggling small businesses and non-profits survive the economic shutdown, drew sharp criticism from ministry watchdogs.³⁶

The controversy stemmed from the apparent contradiction of a ministry that preaches a message of divine provision and supernatural wealth—and which owns a multi-million-dollar Gulfstream IV jet and vast real estate holdings—relying on a taxpayer-funded bailout.⁶

This action created a stark juxtaposition between the ministry’s theology of abundance and its decision to accept government financial assistance.

The Covenant Bank Failure

In 2008, Dr. Winston led a group of investors in the acquisition of Covenant Bank, a community bank in the Chicago area.¹⁶

As the bank later faced financial distress and warnings from federal regulators, Winston and entities he controlled injected significant capital in an attempt to save it.

Over the course of a year, he invested a total of

$1.7 million from his personal funds and controlled interests.¹⁶

A particularly notable transaction occurred in April 2011.

Forest Park Plaza, LLC—the for-profit entity that owns the mall—purchased $350,000 worth of preferred stock in the bank’s holding company.

This investment was made just four days after Living Word received a development agreement payment of $310,124 from the Village of Forest Park, which was derived from public tax rebates.¹⁶

This timeline suggests that funds originating from a public tax incentive were used for a high-risk, speculative private investment.

Ultimately, the rescue effort failed.

In February 2013, federal regulators seized Covenant Bank, and its assets were sold.

All shareholder investments, including the $1.7 million from Winston and his entities, were wiped O.T.¹⁶

This documented business failure presents a direct challenge to the theological tenets of guaranteed financial success and “only progress and no setbacks” that are central to Winston’s teachings.³⁷

Collectively, these incidents depict an organization with a high tolerance for financial risk and complexity.

The pattern of behavior—from creating opaque offshore structures to leveraging public funds for private ventures—suggests an operational mindset more aligned with a speculative enterprise than a conventional non-profit.

This approach stands in contrast to the simple “sow and reap” message presented to the ministry’s global donor base.

Conclusion: Estimating Net Worth vs. Controlled Wealth

A definitive calculation of Dr. Bill Winston’s personal net worth is impossible based on publicly available information.

The financial architecture of his enterprise, particularly the non-reporting status of its largest entity, Living Word Christian Center, effectively shields key financial details such as his salary, compensation packages, and other benefits from public view.⁶

While one data source provides an average salary for a “Minister” at his organization of around $92,318, this figure is a generic estimate and almost certainly does not reflect the compensation of the founder and head of a multi-faceted, multi-million-dollar global enterprise.³⁹

The blurred lines between ministry, for-profit business, and personal finance, as evidenced by the investment in the failed Covenant Bank, further complicate any attempt to delineate personal from organizational wealth.¹⁶

However, it is possible to construct a data-driven estimate of the “controlled wealth” of the Winston enterprise.

This figure, representing the value of the assets under his direct or indirect control, serves as the most accurate available measure of his financial power and influence.

By combining the net assets of the publicly reporting non-profits with a conservative valuation of the major real estate and aviation assets, a baseline estimate can be established.

• Bill Winston Ministries Net Assets (YE 2019): ~$6.0 million ⁸
• Joseph Business School Net Assets (YE 2023): ~$1.9 million ²³
• Gulfstream IV Jet (N316VB): $4.5 million – $5.5 million
• Forest Park Plaza (Illinois): $25 million – $45 million
• Washington Plaza (Alabama): $3 million – $5 million

Summing these figures yields a total estimated controlled asset value for the Winston enterprise of between $40.4 million and $63.4 million.

This is a conservative estimate, as it does not include the cash reserves, investments, or other assets held by the opaque Living Word Christian Center, which, given its estimated revenue of $50-$100 million, could add tens of millions more to the total.²²

This entire financial structure is built upon and justified by a specific brand of prosperity theology.

Teachings on a “Supernatural Wealth Transfer” from the wicked to believers and the idea that Christians should be representatives with the wealth of God provide the theological rationale for acquiring assets like private jets and shopping malls.³⁷

These tangible assets are then presented as proof of the theology’s efficacy, creating a self-reinforcing feedback loop that encourages further donations.³⁸

This occurs alongside significant theological critiques from other Christian leaders who argue that the prosperity gospel misinterprets scripture, promotes materialism, and fails to adequately address the reality of suffering.⁴²

In final analysis, while Dr. Bill Winston’s personal net worth remains private, he is unequivocally the chairman and chief visionary of a sophisticated and diversified enterprise with a tangible asset value conservatively estimated to be in the range of $40 million to $65 million.

This financial empire is a masterclass in leveraging non-profit status and a compelling theological narrative to accumulate substantial wealth.

In the Winston Ecosystem, the lines between the kingdom of God and the capital of a corporate enterprise are, for all practical purposes, indistinguishable.

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