The Difference in a Decade

The Difference in a Decade

Facebook has a way of reminding you of what you were doing 10 years ago and of course, encourages you to share those memories.

Do you remember what was happening 10 years ago? Two things are pretty significant because it would affect so many Canadians:

PM Harper at Deer Lake1. There was a federal election in Canada,

2. The stock market was dropping and could not seem to find a bottom.

For me, those times included some of the most dramatic events that led to a major life change. I ran as a Conservative candidate in the 40th Canadian General Election. Whenever people find out about my election run they ask, “How did you do?” My reply usually starts with, “Do you remember Danny Williams, the Premier of Newfoundland Labrador? Remember his ABC campaign (Anybody But Conservative)?” The result: no Conservative was elected in the province in that election, not even those who were favoured!

After the election, I returned to my financial planning practice (10 years ago on this very day, October 15th).  My clients, like others around the world, were seeing their portfolios declining by thousands, especially in the weeks I was campaigning in an election that I had no chance of winning. They were still on an emotional roller coaster wondering if they would ever regain what was lost.

Screen Shot 2018-10-15 at 10.38.02 AMThis led me to a very dark place, what my wife often refers to as my mid-life crisis. I struggled with the fact that I was not there for my clients when they needed me most; that was a fail. I put my name forward to run in a federal election and felt very much alone, especially after the devastating election night. I felt defeated (in more ways than just the election) and questioned my purpose. If you look at the chart and the shaded area of yellow, the stock market decline seemed to parallel my life at this time. What was my life all about anyway? It was one of my lowest, darkest times.

I needed a change, a new direction, maybe a new career. I needed something to get me out of this dark place. I searched the web every evening after work for opportunities that I felt suited for but came up empty. Or did I? I prayed but those results didn’t appear any better. I did, however, find a new role with a different Credit Union. This did not seem to make much sense though because it meant I would be managing less than 20% of the assets I was managing where I was. That decision just didn’t seem to make sense but I just knew I had to make a change.

What is interesting is that in my job search, I also found a membership organization for Christian financial professionals known as Advisors with Purpose (now known as Kingdom Advisors). I joined as a member and started to participate in the monthly coaching calls. I also did the KA Core Training which helped me understand what it meant to be called to the role of financial planning. I never really felt called to be a financial planner; it was more like just a job for me, but my perspective began to change. As time progressed, I realized more and more that I was “called” to do what I was doing. It was not just a job, but my interaction with clients was indeed an answer to the calling I felt in life for many years.

Fast forward to the fall of 2013 when I am asked to become the National Director of Kingdom Advisors in Canada. This would mean helping other Christian financial professionals understand their own calling; that excited me. It also meant leaving my practice and clients and leaving “the rock” (Newfoundland), where I had lived all my life; that scared me.

In 2015, I left my book of business behind and my wife and I moved to Ontario, just on the outskirts of Ottawa. I ended up in the Ottawa region anyway, not because I was elected as a Member of Parliament, but to fulfill a completely different purpose. Life has taken a very different path than I thought. I can truly say it is a journey of faith that is not without dark moments.

I am reminded of this scripture in Isaiah 45:3 (NIV):

I will give you hidden treasures, riches stored in secret places, so that you may know that I am the LORD, the God of Israel (& Canada), who summons (or calls) you by name.

Have you ever felt like your life is like a chart of the stock market? Has it often resembled that sort of roller coaster ride? Look for the treasures that may be hidden in the dark place, invest your life at that point where opportunity presents itself because the return on the investment of your life can be significant and have eternal rewards!

Billy Graham: Not in Heaven Because He Preached to the Crowds

Billy Graham: Not in Heaven Because He Preached to the Crowds

After watching the funeral of Billy Graham this week, I discovered his final column where Billy states: “By the time you read this, I will be in heaven.” I don’t think there is a doubt in anyone’s mind that Billy Graham is in heaven. Why are we all agreed that he is in heaven? We might answer, with all the good he has done through his preaching to millions, you know he is going to be in heaven. After all he was “America’s Pastor” and the world’s best known evangelist, so he is a obviously in heaven.

F82EB9F9-DBF9-4EBC-9A4A-C6ADF24A9A53What’s interesting is the reason Billy Graham gives for his entrance into heaven. He states, “But I won’t be in heaven because I preached to the crowds or because I have tried to live a good life.” It is only his faith in Jesus Christ that gave him the  confidence of heaven. If Billy Graham will “be in heaven for one reason,” our hope of going to heaven is because of  the very same reason.

Randy Alcorn says this:

Many mistakenly believe that heaven is our reward for doing good things. This is absolutely not the case. Our presence in heaven is in no sense a reward for our works, but a gift freely given by God in response to faith.

Well, what about the millions that Billy Graham preached to and the lives who came to Christ because of his preaching? Doesn’t that account for anything? The answer can be found in Eph. 2:9, which Billy clearly understood: “Salvation is not a reward for the good things we have done, so none of us can boast about it” (NLT). In other words, what you believe is the key to entering heaven, not what you do.  That is a good thing because if it is based on our efforts then most of us would have a difficult challenge ahead, especially if we compare ourselves to the accomplishments of someone like Graham.

However, we can’t stop reading there because immediately after saying salvation is “not by works,” the next verse clarifies that our works matter a great deal.

For we are his workmanship, created in Christ Jesus for good works, which God prepared ahead of time for us to do.

Even though salvation is not through our works, we are actually created to do good works. A lifetime of good works was actually prepared in advance by God for us to do. A few years ago I did a study using a book by Bruce Wilkinson called “A Life God Rewards” which explained how Jesus taught the promise of reward in heaven.

“He will reward each according to his works” (Matthew 16:27)

“You will have treasure in heaven” (Matthew 19:21).

“You will be blessed … for you shall be repaid at the resurrection” (Luke 14:14).

This certainly suggests that God is keeping track of what we do for Him every day. Wilkinson speaks of two keys: The first is belief that unlocks the door to eternal life and determines where we spend eternity. The second is our behaviour which unlocks the door to reward and determines how we will spend eternity.

The reality is we have the same hope of heaven that Billy Graham had because it is simply through faith that we enter heaven, which is really the foundation. At the end of Wilkinson’s book, there are several quotes from well-known theologians and preachers, of which is Billy Graham.

“The believer has his foundation in Jesus Christ. Now we are to build upon this foundation, and the work we have done must stand the ultimate test; the final exams come at the Judgment Seat of Christ when we receive our rewards.” –  Billy Graham

Are we living and working everyday with an eternal perspective? Will our good deeds, acts of kindness (works) pass the ultimate test?

 

The Loudest Voice

The Loudest Voice

We live in a world filled with voices and depending on the voice that is loudest, that is what we will hear. Oftentimes, the voice we hear most will actually begin to shape us. One of the ideas expressed by Mark Batterson in his book entitled, Whisper, is that a whisper speaks of intimacy.  In other words, you have to get close in order to hear what is being said and if you don’t get close, you will likely miss it.

My google search resulted in this definition of whisper: speak very softly using one’s breath without one’s vocal cords, especially for the sake of privacy.

In order to hear a whisper, we must be in a quiet place, or lean in towards the whisperer.  During our busy days, we are most often in the midst of many voices and actually have to make a choice as to which voice we will tune our ears to.

Some voices are in our head, previously shaped by what we have already heard or been thinking about and will compete with a current voice we hear with our ears. In the Christmas story, Zacharias heard the voice of Gabriel say he and Elizabeth would have a son and they were to call him John. Unfortunately, that was not the loudest voice in his life at the time. The loudest voice was actually more about his age and how his wife was unable to have a child. Interesting that he was then silenced until his son was born and he only received his ability to speak again once he wrote, “His name shall be John.” It seems it was only after these months of silence that he was finally able to align his thinking and speaking with the voice of the angel he had heard months earlier. In the time of his silence, I am sure he thought a great deal about what he had heard the angel say.

What a relief it must have been for Zacharias to finally to be able “to give voice” fulfilling what he was actually called to do. Here is what I find most interesting: the origin of the word for “calling” comes from the Latin word “vocare” or “to give voice.” The big question as we embark upon another year is, “What are we giving voice to in our lives, our work, our relationships?”

Think about your work-life for a moment: Are you called to do what you do everyday?

Do you have a job, a career or a calling?

– A job can be defined as something you do for money (often temporary and one you can and will change in your life.) My first job was “pumping gas” which is pretty rare to see now-a-days with mostly self-serve stations and options to pay at the pump.

– A career comes from the Latin word “cart” and the French word for “racetrack.” I did move on to a career, or actually changed careers a couple of times.

Screen Shot 2018-01-13 at 12.55.38 PM– I have discovered that you can actually fulfill your “calling” in a job or a career but the key is to fulfill your calling, no matter what your hand finds to do. I guess you can say, it’s finding that sweet spot and I think many times that simply means following the voice that is within.

For me, that sweet spot is the overlap of my gifts and passions that enable me to fulfill a kingdom need. That means I am able to help others find and fulfill their individual calling.

You can be in a job and you just desire to get another, a better higher paying job. You may be in a career and feel like you are circling the racetrack, going around in circles and feeling like you are accomplishing so little.  Sounds like a frustrated life, but in the midst of that, you may need to simply quiet yourself and listen because there is a still small voice that desires to move you toward what you were purposed to accomplish in your life. This may not mean a new job, a change in career or retirement. It may simply mean a new perspective because you tuned out the many voices around you and listened to the One voice that really matters.

Delight yourself in the Lord, and He will give you the desires of your heart!  (Psalm 37:4)

 

Two Common Mistakes Christian Business Owners Make

Two Common Mistakes Christian Business Owners Make

Far too often we can let little things slide but recently I read an article titled “Never Walk by a Mistake.” It served as a good reminder of the importance of correcting even what seems like a small thing.

walk-byGeneral Ann Dunwoody was walking down the street when she saw a soldier in uniform walking with his hands in his pockets. Anyone who’s spent time in the military knows that this is a big no-no. Dunwoody could have literally walked by the mistake and not addressed it. It’s something small, it wasn’t impacting anyone at the time, and the kid probably just forgot. It wasn’t anything overtly heinous. As a general, though, she knew that if she didn’t correct the error, she would be, by the sin of omission, setting a new lower standard for that soldier. So rather than letting it slide, she approached him, kindly addressed the problem (rather than yelling at and demeaning the young guy), and reinforced the ideas of discipline and attention to detail.

Here is what intrigues me: by not correcting the error, we are actually setting a lower standard, which is obviously not acceptable.  After reading  an article by Jerry Bowyer entitled “Are Christians Allowed to Get Rich?” I saw that there is a standard set for Christian business owners and there are at least two mistakes that lower that standard:

  1. Not Understanding Your Purpose and Calling
  2. Not Understanding You are a Steward, not the Owner

1. Purpose & Calling

Typically, when we speak of  “calling,” business owners are not the first to come to our mind. We tend to immediately think of those with a more sacred calling, like pastors or missionaries.  David Green, the founder of Hobby Lobby is “the son of a pastor, and the brother of a large cohort of pastors, pastor’s wives and missionaries.”  Like many Christian business owners, “David felt that there was something not fully Christian about his passion for running a successful store.” When he would talk excitedly about his business, his saintly mother would ask him, “Yes, but what are you doing for the Lord?” Obviously his mother meant well, but had a limited understanding of God’s calling.

work-is-our-calling-400We usually make the same mistake when we categorize our work (or business) as secular, separating it from the sacred (calling). Rather than sensing the pleasure of God  through our work, we often consider our work less than God’s calling. It seems that David Green felt like a black sheep because the rest of his family were “ministers” while he was in business. However, when we serve others (in our work), we are actually serving the Lord, not just men (Eph. 6:7) and can fulfill the call God has placed on our lives. Here is a great piece of advice: Whatever you do, do it enthusiastically, as something done for the Lord … (Col 3:23).

In time, David Green discovered that God can use a merchant just as well as He can a pastor. It seems that business was his purpose and calling after all and was a means of engaging in the great commission. I love what he said in the interview with Jerry Bowyer: So I believe I have a calling on my life; I think we all can, no matter where we are, be anointed. I sense God’s anointing on my life as a businessman.

2. A Steward, Not an Owner

It would certainly be valuable to listen to the audio interview with David Green as he provides insight on how Hobby Lobby endeavours to incorporate biblical principles into its business. He speaks about the importance of avoiding long term debt and he says, “We go into debt when we think God isn’t moving fast enough,” which identifies our lack of contentment.

DGreenThe part that I found most interesting is the corporate structure of Hobby Lobby, where the shares are owned by a trust rather than by family members. This speaks to the fact that the Green’s are stewards of the company and the corporation is actually held in trust. This means if the company was to be sold, 90% of the value would go to a foundation and subsequently distributed to the Lord’s work. Typically, a business is passed down to the next generation, then the next, but in the case of Hobby Lobby, the family cannot actually touch the assets. Since these assets are seen as under God’s ownership, the corporate structure reflects that and is actually referred to as a “stewardship trust.” 

God owns it all, like Psalm 24:1 clearly states, is a statement Christians agree with in principle but despite this knowledge, we often live like we are the owners.

If you are a Christian business owner or a Christian financial advisor, accountant or lawyer directing business owners, please listen to the audio recording for just 10 minutes (start from 14 minutes to 24 minutes).  It is easy for Christian business owners and Christian financial professionals to be “conformed to the world” when it comes to business structure and advice. What I heard is transformational because it is based on biblical principles.  If we choose to ignore these principles, we are setting a lower standard than has been laid out for us.  Does the legal structure of your business align with your theological structure? Does the corporate structure represent the interest of the steward or the interest of the owner?

 

 

Are You Hearing But Not Understanding?

Are You Hearing But Not Understanding?

Just over two years ago, I had surgery on my shoulder and I now visit a specialist every six months. Recently, I had another visit and I usually take my wife with me to help me understand since the doctor has a very strong French accent. Even though he speaks English, it can be very difficult to grasp the meaning of his words. During the appointment, he asked a question, but we just looked at each other bewildered because neither of us understood a word. He repeated it with the same result. He was saying “Ohh-ta-wah” in such a way that when it was placed in a sentence, we just couldn’t understand. After stating it the third time, we both realized he was asking if my surgery had been done here in Ottawa.

Have you ever heard someone but not understood what they said?

yesbymagnet_1Sometimes, language or dialect can be a barrier to understanding. I recall when we had friends from Ontario visit us in Newfoundland and we had a conversation with some locals. Our friends heard us speaking, but did not understand. Maybe I shouldn’t be shocked because the very tone of the common phrase, “Yes b’y,” actually changes its meaning.

The effort required to hear a sound compared to the effort required to process it, is exponential. Understanding is logically the step that follows hearing, unless, of course, it involves a politician.

prime-minister-trudeauPoliticians typically only say what they want us to hear and we have to dig deeper if we desire to get the entire meaning; otherwise our perspective remains limited. For example, the Trudeau government often claims it has cut taxes for middle-class Canadian families. A recent article helped me understand that while it did reduce the second lowest federal income tax rate (from 22 to 20.5 per cent), it also eliminated a number of tax credits, thereby increasing income taxes for Canadians who previously claimed such credits. Result: 81% of middle-class Canadian families with children are paying more in personal income taxes.

The Liberals quickly speak of reduced tax rates, but the elimination of tax credits enlightens our understanding of the issue. What we comprehend about any issue or even a person, depends on what we hear (and read).

perspectiveIf you think about it, the perspective from which you see things can be the very obstacle that prevents you from seeing another point of view.  (Doesn’t this graphic resemble a political debate? It totally depends on which side you are on).

The Bible has some interesting things to say regarding understanding:

  1. One instruction is to not depend on your own understanding. Maybe one of the reasons is that our own understanding limits our ability to understand others.
  2. Also, “By understanding He (The LORD) established the heavens.” What did God understand?  Was it an understanding of the power of sound and what is formed from vibrations? Maybe the reason God spoke was to cause vibrations to form the earth. What did He establish? Heaven represents an eternal dwelling place for believers. If God is an example for us then, the purpose of understanding is to establish something that is eternal and meaningful to others.
  3. Mankind has the capacity to understand the deeper things that are buried within a person. The purpose in a man’s mind is like deep water, but a man of understanding will draw it out.  If you think about your work, it may be important to understand others to bring clarity to them. Financial professionals can actually be a key to help clients see their inner purpose, why they have so much, or even why they have faced some troubles in life.
  4. By faith we understand that the entire universe was formed at God’s command, so that what we now see did not come from anything that can be seen. Faith is not the opposite of reason, but actually a higher dimension of understanding. Think about the dreams within a person; they are actually unseen until exposed. If it is a dream of writing a book, it exists only in the mind of the author and only becomes visible when written.

In our work we should:

  1. realize “our own understanding” can be limited and should not always be relied on
  2. know we are called to establish something eternally significant through our lives
  3. understand others to expose the purpose that is often hidden deep within a person
  4. identify that faith can add a higher (or deeper) level of understanding

UnderstandingIn a conversation, an accountant told me he keeps his antennas raised when in discussion with clients. Since mankind is spiritual, our spirits are meant to be active and sensitive, which leads to an understanding of others. It is the spirit in man … that makes him understand. This depth of understanding is the requirement to draw out purpose.

In our efforts to understand others, how often do we simply rely on our own thoughts?  By ignoring our inner person (not having our antennas up), are we missing the greatest opportunities to explore the deep waters (purpose) hidden within others?

 

 

 

Sacred Call to a Secular Work

There are so many choices and opportunities when it comes to a career. It seems that “calling” is required to be a pastor or missionary, but not necessarily for a businessman,  fireman, teacher, lawyer, doctor, etc.

Let my experience provide some deeper insight: As a teenager, I felt a “call” on my life and the best way I could interpret it at the time was to become a pastor. My response was to attend Bible College and I recall during my first year having my Bible open to 2 Timothy 4 and I read daily, “Preach the word; be ready in season and out of season … endure hardship, do the work of an evangelist, fulfill your ministry.”  I entered full time ministry in 1986 and felt like I was living out the sacred call on my life. Just 3 years later, I was invited to be youth pastor in a church, but never had the opportunity to do so since that church split! This was a major crisis for me (maybe the part of my call to endure hardship), which eventually led to my accepting a job selling life insurance (a secular work). My passion was to continue serving in church ministry but I needed an income, so the job provided financially.  I continued volunteering in church ministry which led people to draw a comparison to Paul making tents while his “calling” was to declare the gospel.

In my last blog I stated, “The mistake we often make is in categorizing our work as secular, separating it from the sacred, rather than sensing the pleasure of God in our work.”

missed callMy perspective was that my work as a financial advisor was not necessarily a “calling” but just a job (secular), while my “calling” as pastor was my true work (sacred). Can you sense the inner turmoil I was feeling? Had I missed my “calling” or was it possible that I could actually live it out by being a financial advisor? Did I have the wrong perspective to start with? Should I have even separated the two – the sacred and the secular?

Reflecting back on the 2 Timothy 4 reference, as a financial advisor, I certainly felt “out of season” when it came to being able to “preach the word.” However, another translation (HCSB) instructs “proclaim the message” which sheds a different light on that phrase.  The reality is I had many opportunities in my secular work to fulfill the sacred call. The “proclaiming” was different than I ever thought it would be because life was not the way I had planned it.

One client later confirmed, “You have more of a ministry here in this office (as a financial advisor) than you could ever have in a pulpit (as a pastor).” This helped me realize that the calling I felt was not limited to a particular role that I would have in life.

Calling QuoteSo whether I do the work of a pastor, financial advisor, director, bus driver, or teacher, you get the picture, the important thing is to be a good steward and be true to that call.

The right perspective: Your secular work is definitely connected to your calling and becomes the perfect opportunity to “fulfill your ministry!”

Have you made the mistake of separating the secular from the sacred? Are you fulfilling the uniqueness of your calling?