Can You Be Thankful for Tough Times?

Can You Be Thankful for Tough Times?

A common question during Thanksgiving is, “What are you thankful for today?” I would have to say I am thankful for the people who have come into my life, even for a brief time, to say something significant to me. It is so good to be able to revisit those monumental moments. I am, of course, grateful for the family and friends who have walked with me through many difficult, life-building experiences. In fact, I have come to realize that I am even thankful for those who have been a source of pain in my life and may have helped create some of those difficult experiences. All of them have shaped me into the person that I am today.

I remember one challenging season during my Bible College years (1982-1986) when I was desperate, ready to quit and do something else, rather than do what my heart truly desired. Thankfully, a pastor prayed with me and said I would be a “David and a Gideon.” It’s quite interesting that both of these men felt pretty insignificant (both were considered the least in their families). In May 2019, I was fortunate enough to meet that pastor again and thanked him for his words to me so many years earlier; those significant words that continued to resonate with me through some of the toughest times in my life.

As a young pastor just starting out in my career, I felt rejected by the denomination that I grew up in and where I had trained to be a minister. I was filled with questions and no answers, disappointed because life was not supposed to be this way. That’s when the Lord provided an opportunity for me to enter the financial services industry (1991). I felt this was just a temporary move until the Lord would open another door of ministry for me; after all, God had called me to “preach the word.” I am thankful for the tough times and for those who have rejected me, because without them, I would have never made the decisions I did.

I’m grateful for my wife who documented our journey together these past 34 years (on Oct. 25th this year). She wrote these words that another pastor shared on Sept. 20, 1992, “An open door is coming for Lorne, but he’s not yet ready for it. There will be some frustrating and trying times but we are to look at it as preparation time. We are to cleave to one another and look back at this night.”

Nine years later, I heard these words (Nov. 25, 2001): “Lorne will travel Canada and his ministry will be endorsed so strongly that people won’t be able to question it.” I’m grateful for closed doors because only God knows when and which doors should open. Trusting that God will do this is most difficult in your dark times.

One of my darkest periods was in 2008 after I had run in the Federal Election (and lost), plus the stock market had crashed. I was striving to open doors and get away from this pressure but despite my knocking, the only door that opened meant continuing in the financial services industry. I recall speaking with a counsellor during this period and she said, “You are suffering from rejection.”

I concealed my pain as much as possible but I was hurting in a way I felt no one else could comprehend. I’m grateful that Cathy was so understanding and allowed me to process, yet, pray me through this period. It was during this time that I began studying the topic of biblical financial stewardship in a book by Randy Alcorn, called “Money, Possessions and Eternity.” I am so thankful for men like Randy, Larry Burkett and Ron Blue whose writings have helped transformed my life and have given me much more of an eternal perspective in so many areas.

I’m so thankful that God’s ways are higher than my ways. What I thought was a temporary career in financial planning has turned out to be the work He had prepared in advance for me to do (see Eph. 2:10). I am grateful for the years I spent creating strong relationships with amazing clients who shared things with me that they would never share with a pastor. I was able to guide them financially and personally. Those years actually prepared me to become the National Director of Kingdom Advisors, a ministry to financial professionals to whom I can easily relate because of my own experience in the industry. It’s ironic that when I was asked to consider this role in 2013, my immediate response (without even thinking) was, “I feel like David out in the field shepherding the sheep (my clients), while so many others are more qualified.” It wasn’t until further reflection that I realized those words that the pastor shared with me in college were very true 35 years later.

The fact is when things don’t go according to our plans, we need to be thankful and willing to trust that things are going according to His plan for us. God can use any circumstance or people! It can appear to be anything but good at the time. Even if meant for evil, God works for our good and conforms us to His image (See Genesis 50:20). Are you facing tough circumstances and/or difficult people? Be assured that behind the scenes, God is using these situations and people to help transform you.

Wisdom for Financial Advisors

Wisdom for Financial Advisors

Financial advisors have a special call and what the Apostle Paul shared with Timothy in 1 Tim 6:17-19 is totally relevant for advisors in our current times as they instruct the rich: Tell them to use their money to do good. They should be rich in good works and generous to those in need, always being ready to share with others, (NLT) storing up treasure for themselves as a good foundation for the coming age, so that they may take hold of what is truly life. (CSB)

The rich are not told to take a vow of poverty. They are told to take a vow of generosity.

Randy Alcorn, Money Possessions & Eternity, p. 291

The ultimate achievement of a financial planner is not just putting together a financial plan, but helping clients take hold of what is truly life.

Every advisor and every client has a plan or purpose in life that needs to be discovered. Often this is hidden and can be difficult to discover. This verse is majorly important: A plan in the heart of a man is like deep water, But a man of understanding draws it out (Prov. 20:5 NASB). The financial advisor must be “an advisor of understanding” who will have deeper conversations that probe beyond “the numbers” such as rates of returns, etc.

For from him and through him and to him are all things. To him be glory forever. Amen. (Rom. 11:36 ESV – Remember the purpose of all we do is to bring God glory. It is something we all fall short of (Rom. 3:23) personally and professionally but our goal is to hear: ‘Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.’ (Matt. 25:23 ESV)

As I consider one advisor leaving the financial services industry (semi-retiring or retiring) and passing his/her business along to a younger advisor, I cannot help but think of Elijah and Elisha. When they had crossed, Elijah said to Elisha, “Ask what I shall do for you, before I am taken from you.” And Elisha said, “Please let there be a double portion of your spirit on me.” (2 Kings 2:9 ESV) If there is a secret to a successful transition, it is to have the younger advisor receive “the spirit” of the senior advisor because that is truly what has created this business in the first place.

Often, money is viewed as something we can trust, particularly the more money, the easier it is to have confidence in wealth. The rich think of their wealth as a strong defense; they imagine it to be a high wall of safety (Prov. 18:11 NLT).

Whatever you do, do it from the heart, as something done for the Lord and not for people, knowing that you will receive the reward of an inheritance from the Lord. You serve the Lord Christ (Col. 3:23,24 CSB). This verse is challenging because Certified Financial Planners understand based on their Code of Ethics and particularly Principle # 1: Duty of Loyalty to the Client. “The duty to act in the client’s interest by placing the client’s interests first.” If we truly see our work as being done for the Lord, this is a higher standard and one that ensures we will have placed the client’s interest ahead of our own and all other interests.

Let the favour of the Lord our God be upon us, and establish the work of our hands upon us; yes, establish the work of our hands! (Ps. 90:17 ESV) This prayer asks the Lord to make our efforts on earth permanent, meaning the advice we provide will have an eternal impact.

May this be the prayer of every Christian financial advisor.

(Mis-)Understanding God’s Call

(Mis-)Understanding God’s Call

This summer I listened to a very moving and appropriately titled audio book called Fire Road. It is the story of Kim Phuc Phan Thi which is written as A Memoir of Hope. The book cover shows the Pulitzer Prize winning photograph taken on June 8, 1972 in South Vietnam. The nine-year-old child is running from low flying planes to escape the napalm bombs dropped that day.

Her story is one of physical pain from the burns and multiple surgeries over the years that followed. The book also describes how the government used her story as propaganda for their own benefit, in essence “putting their own words into her mouth” through interpreters. The “Napalm Girl,” as she became known, journeyed through the horrors of war which has given her a platform to share her journey of faith, forgiveness and peace. Her suffering and pain was intense and brought tears to my eyes as I listened. The impact of her life and faith will only be measured in light of eternity. I was struck by the thought of how God could take the horror of her experience and use it to bring redemption to so many.

She was born the year before I was and that day in June shaped her future in a way that she could not have imagined. I honestly have no idea what I was doing on June 8, 1972 but I believe God also allowed things to come my way that were not pleasant. We all face events that determine who we become and what we do in life.

I can recall when I was 15 years old standing in a church that my Mom and Dad pastored. I had an indescribable holy experience in God’s presence. I stared at my mother’s Bible and I could not escape the instructions of the Apostle Paul to Timothy: “Preach the word … do the work of an evangelist and fulfill your ministry.” That time was so impactful that when I was asked about my goal in life for my graduation yearbook, I said “to be an evangelist.”

It was obvious to me that I should study the Bible and enter full time ministry. Little did I know that after less than 4 years into “full-time ministry,” my life would take an unforeseen twist and I would enter the financial services industry. The Napalm Girl can look back at a specific day that changed her life, and I look back at this period of time because it was like a course correction that I could not fully understand. How could selling insurance and investment products help me “do the work of an evangelist?”

God must smile when we ask these sorts of questions. Fast forward 25 years when I am asked if I would consider leaving my financial planning practice to become “a pastor to financial professionals across Canada.” Now that’s something I did not see coming! In the past 5 years (since making this transition), I have met hundreds of Christian financial professionals who desire to better share biblical financial wisdom with their clients (because it works).

Here’s my point: as a 15-year-old sensing God’s call to “preach the word” and “do the work of an evangelist,” all I could visualize was Billy Graham, and possibly doing something like that. I think God was saying, “Maybe not.” It is so easy to misunderstand what God is calling us to do and accomplish in life because we have our own ideas of what life is supposed to look like.

What I know is this: God can use a napalm bomb for ultimate good. Or He can use a job loss that no one could have predicted to bring us to a destiny that we could never envision. His ways are simply beyond our ways. We can trust God even when things seem to be going opposite to our plans.

A very wise man offered this advice that I have paraphrased: With all that is in you, trust in the Lord. Do not rely on what you can understand. In all your ways know him, and he will show you which path to take.

It seems to me that trusting is more important than understanding. Where do you place your trust? Your own abilities? Or God’s ability to position you where you are supposed to be? Do you spend more time trying to understand or learning to trust?

Re-Thinking Retirement

Re-Thinking Retirement

When I consider the many people I know in their retirement years, I can see there are multiple views about retirement. Some who were fortunate enough to have a sufficient pension plan retired at the point of eligibility, while others, despite having enough to retire, have actually continued to work. Even some of those who retired with a pension went back to work, and in many cases, it wasn’t necessarily for the money.  There are many different perspectives about when a person should retire and it is important to consider what shapes that viewpoint.

I recall one conversation with a financial advisor a few years ago now and he spoke to me about how he was challenged in this area. His plan was to retire from work ASAP and after sharing this sentiment a friend asked a significant question, “So you don’t like your work then? (If you want to get away from it ASAP.)”  Let’s face it, our desire to retire is typically determined by our view of our work. If work is stressful, physically challenging or emotionally draining, then retirement obviously looks pretty attractive. However, if one has a sense of fulfillment and pleasure from their work and they have the health and mental capacity to continue, should they retire just because they reach retirement age?

The basic understanding of retirement is ceasing to work. For many, this means retiring as soon as possible and enjoying a life of leisure. I read an article in The Financial Post earlier this month which published the results of a recent survey. Interestingly, the title was “Canadians finding retirement is not all it’s cracked up to be: survey.”

The 2019 Sun Life Barometer, based on an Ipsos online poll, found that many Canadians don’t seem to be financially prepared for retirement, with 23 per cent of retirees describing their lifestyle as a frugal one that involves “following a strict budget and refraining from spending money on non-essential items.”

If that doesn’t sound like much fun, consider the gloomier alternative: almost half of working Canadians (44 per cent) expect they’ll still be employed full-time at age 66. Among the “frugal” retirees still working after the traditional retirement age, 65 per cent say it’s because they need to work for the money rather than because they enjoy it.

The article quoted paints a gloomy picture if you are still working at age 66 but I would like to challenge that paradigm. This perspective assumes that work is burdensome and something you do not enjoy. In my experience, I know many people who are well past age 65 and still working, not because they have to (financially), but because it’s the life they’ve chosen.  If work brings you a significant level of fulfillment then why stop, even if you are past the normal retirement age?

Preparation for something as important as “the rest of your life” (that’s how long retirement typically lasts) must involve more than finances, don’t you think? I turn 55 in a month’s time and I can’t imagine retiring in 2020; I’m just not ready to stop working. To be honest, when I look at some of my peers who are 65+ and are not yet retired, it doesn’t seem to be a gloomy a prospect at all. Continuing to work appeals to me more than ceasing to work because it is an opportunity to fulfill what I see as God’s call on my life.

Culture tells us that retirement should occur at age 65 or earlier, if at all possible. As a follower of Christ, isn’t Scripture meant to be more of a guide than culture? Have we even considered what the Bible teaches about retirement?

The one reference to retirement in the Bible is an instruction from the Lord regarding the Levites who were to serve from age 25, “but at the age of fifty, they must retire from their regular service and work no longer” (NIV). The next verse clarifies that “After retirement they may assist … but they may not officiate in the service.” (NLT) 

It is difficult to build a case for retirement, especially as culture positions it, based on one verse alone, but you can easily build a case for rest. Strong’s Concordance has a full page of references for the word “rest.” Maybe the biblical approach of rest is a better way to view retirement. In the October 2019 issue of “The Investment Executive,” financial advisor, Sterling Rempel suggested working 24/7, meaning in retirement years, one can work 24 hours per week and 7 months of the year. That’s a neat rhythm of Sabbath rest, don’t you think? If you think about rest, it means resting from something, usually work. I believe incorporating more rest into our work lives may be a better alternative than a complete life of leisure.

This month’s Kingdom Advisors Study Group poses a few questions worth asking when approaching the retirement years of life:

– Do you have a vision for these years? (Without a vision … Prov. 29:18)

– How can your unique skills, talents, or networks be leveraged for greater purpose in these years?

– How can your life experiences benefit others?

Rather than being inherently good, work is often referred to as “a necessary evil” or something we have to do to make ends meet. Maybe we need to view work as an opportunity to fulfill our purpose in life, so that may mean working into what is typically the retirement years. I have been challenged this past month to see work as a means of reflecting the image that I was made in. We all know the creation account of God working and then resting. Maybe we should consider the different seasons of work and rest over a lifetime. Think about that: it means as you age, you will likely work less and rest more but you will continue to find pleasure in both work and leisure.

It’s Labour Day Weekend!

It’s Labour Day Weekend!

Photo taken in my office in Corner Brook, NL in 2015

The long weekend is here and on Monday, we will celebrate Labour Day, a statutory holiday in Canada since 1894. What better time to write about work and our view of it.

For many, work is considered a necessary evil, a drudgery, something we are compelled to do in order to make a living.  We may have all felt that way at times, but surely, life was not meant to be that way.  Why not take some time this weekend to settle your reason to labour.

“The two most important days in your life are the day you are born and the day you find out why.” — Mark Twain

I have heard it said that your job is what an employer pays you to do; your work is what you were born to do. I first published this statement (defining the difference between a person’s job and work) in a blog post a few years ago. One reader wrote saying, “In a few weeks I will go to neither” meaning they would be retiring. The point I was making was that you certainly finish a job or change careers, but I question if you can really retire from your work, especially if it is what you were born to do. Maybe your work (or calling) is something that takes you an entire lifetime to complete.

The term “calling” has often been reserved for members of religious organizations, or people in public ministry, like a member of the clergy or an overseas missionary, for example. However, becoming a politician, lawyer, doctor, fire fighter, police officer, mechanic etc. has been considered more of a career choice and not typically connected to calling at all. It seems that calling, therefore, is “sacred” while the other careers listed are more “secular.”

Dr. Ken Boa in his book, Conformed to His Image says,

“Our primary calling is to know and love God. Our secondary calling is to express this relationship in everything we do and with everyone we encounter.”

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. I attended Bible College to earn a theology degree and during my first year, my Bible was open on my desk to 2 Timothy 4 as a daily reminder to: “Preach the word; be ready in season …” but I felt for most of my life my calling was more “out of season.”

Most of my career was in the financial services industry providing insurance and investments. My perspective was that my work as a financial advisor was my job (secular) and I believed my “calling” to ministry was my true work (sacred). As the years passed, I questioned if I had “missed my calling” or was it possible that I could live out my calling by being a financial professional?

My problem was that my secondary calling (as a financial advisor) was somehow disconnected from my primary calling. Ken Boa explains that “If the secondary is not related to the primary, we slip into the error of dichotomizing the “spiritual” and the “secular” when they should really be integrated. When this happens, our relationship with the Lord is disconnected from the everyday activities of our lives.”

Wow! Looking back, I realize that I kept my primary calling separate from my secondary calling. I certainly felt I was serving the Lord but somehow allowed the everyday activities of my work to be completely separate from my relationship with the Lord.

For many years, my focus as an advisor was on building my business, which included developing relationships and serving clients. While my focus was good (and typical of this industry), my secondary calling lacked the perspective that only comes by incorporating my primary calling. My work as an advisor (secondary) needed to be an expression of my primary calling. Dr. Ken Boa explains it this way:

“Secular work becomes spiritual when done to the glory of God. Spiritual work becomes secular when done to please and impress men.”

When I recognized the opportunity to bring glory to God (primary) through my practice (secondary), my work was transformed and took on new meaning.

My level of fulfillment reached new heights because the secular and the sacred were merged after many years. Dr. Ken Boa sums this up perfectly: “When we keep our primary calling first and seek to express it in and through our secondary calling, we become more holistic in our thinking and practice.”

What about you? Are you living out your calling everyday through your work? Is your time at work fulfilling because it is a true expression of your calling?

Recalibrate Your Heart!

Recalibrate Your Heart!

Recalibrate is such an interesting word, especially when it comes to a persons life. The Cambridge Dictionary defines the verb this way: to make small changes to an instrument so that it measures accurately. 

Merriam-Webster Dictionary helps clarify the term further by putting it into a sentence:

… these systems gradually drift off course so that the navigator periodically needs a fresh point of reference to recalibrate the navigation system.— Stefi Weisburd 

When it comes to our lives and our hearts, we all need a reference point if we are to recalibrate properly. In a blog posted in 2011, Mark Mallett stated, “The heart is a finely tuned instrument. It is also delicate.” He goes on to say, “… all the bumps along the way can throw the heart out of calibration.” Life has a way of knocking us about and we need recalibration to our point of reference from time to time. Recognizing the proper reference point for our lives is the key to recalibrating our hearts. For me, the reference point is my Creator. “Remember your Creator” (Eccl. 12:1a) is a verse that comes to mind. The idea here is to intentionally  focus or meditate on, which is an inward mental act that leads to external acts. The purpose of remembering is really to align our thoughts, or to recalibrate our hearts so they are properly aligned with our “point of reference.”

This is necessary because we tend to lose our focus. Deut. 8:18 is a prime example where the instruction is to: “Remember the Lord your God, for it is He who is giving you power to make wealth …” When we fail to recalibrate regularly, we begin to believe that we have attained this wealth with our own abilities and we even believe that we own any wealth that is accumulated. Recalibration allows us to see that everything we have (wealth & possessions) comes from our Creator (see Col. 1:16) and belongs to Him (Psalms 24:1). When we recalibrate our hearts, we no longer think too highly of ourselves.

It is clear that we all need to be intentional and take the time necessary to recalibrate or “set our hearts.” Here are a few examples of these instructions in Scripture:

If wealth increases, don’t set your heart on it (Psalms 62:10). This becomes an issue because “The wealth of the rich is their fortified city, they imagine it a wall too high to scale” (Prov. 18:11). Why is recalibration of our heart so important? Without it our imagination gets the better of us and wealth quickly becomes our false security.

Then there is an example of King Rehoboam who “did evil because he did not set his heart to seek the Lord” (2 Chron. 12:14).  Failing to recalibrate our hearts allows us to focus on things that only seem to be important. Remember when Jesus rebuked Peter? It was because he did not set his mind (heart) on God’s interest, but man’s (Matt. 16:23). Peter’s focus was on the earthly kingdom that he thought Christ was establishing and potentially his leadership role in that kingdom rather than the the eternal (thus the rebuke and that he was being influenced by satan). In other words, Peter needed to recalibrate, as he had just previously done when it was revealed to him, from heaven, who Christ really was, prior to this rebuke. That demonstrates how much we need to set our minds on things above (Col. 3:1-3) or recalibrate our hearts.

Don’t be alarmed when you realize that you have to recalibrate your heart often, or that you have gone for hours without even thinking of God! Rather, use this as a moment to humble yourself and acknowledge that you are maybe not as in love with God as you thought you were, that you seek your kingdom more than His, and that there is still much conversion left in your life. 

The purpose of recalibrating our hearts is to be able to hear from heaven, to hear from the One who calls us with purpose. We need to have times where we simply re-focus in order to gain the right perspective. Maybe that’s a time in the morning and/or the evening. Maybe it is setting aside a day in a month, or a few days in a quarter, or even a week or weekend in a year that is set aside for this purpose. We all need to have these times where we recalibrate our hearts, otherwise we will gradually and surely drift off course. 

I recently set aside a few days to do this myself and write my thoughts. It helped me realize that my Creator’s thoughts are higher than mine and if I don’t take the time to align my thoughts with His, I will just walk in my own ways and fail to seek His ways (which again are so much higher). Can I challenge you to set aside time to simply reflect in silence, worship and learn, in order to recalibrate your heart?

Can you set aside an hour to make this a priority? Or maybe a day just to slow down and stop to recalibrate? When you do, you will most certainly become more effective.

Money & Motorcycles: My Financial Advice Journey

Money & Motorcycles: My Financial Advice Journey

I often joke about the first piece of financial advice I gave to my wife after only 6 months of marriage. During her first year of teaching and before we were married, she had been counselled by her Credit Union to start saving in a Registered Retirement Savings Plan (RRSP). Just starting out, we didn’t have many other resources and we, (actually, more like I), desired to have a motorcycle. We did not want to borrow to purchase, so unknowingly, we did live by one Biblical financial principle which is to “avoid the use of debt.”

My financial advice as a brand new husband was to cash in the RRSP so we could enjoy some time together on our motorcycle. I had no idea that there would even be a tax consequence to this redemption, so this was not part of my thinking. The other thing I failed to consider was the time value of money. That original investment (more than 30 years ago), would now be worth 15 to 20 times more than the value at that time. I did not know or understand the biblical financial principles shared in my last blog. As a young couple, building liquidity or setting long term goals were not on our list of priorities.

While this financial decision may not have been the best, it did bring us much enjoyment, which is one of the things money can accomplish. In 1 Timothy 6:17b, we are instructed not to trust in money, but have confidence in God “who richly supplies us with all things to enjoy.”

The irony is amazing because this same Credit Union that gave good advice to my wife (to invest in an RRSP) later became my employer. As one of their financial planners, naturally, my advice was based on industry standards. As a Christian, I acted with integrity and provided good counsel to clients, but the focus of my advice did not intentionally incorporate biblical financial principles.

A condensed version of my financial advice journey.

If you watch my story that I briefly shared last week at the 2019 Kingdom Advisors Conference, you will learn that I became an advisor out of necessity, not purpose. You will also begin to understand that the level of fulfillment as a financial planner increased tremendously once I realized my work was not just a job but a calling. My role was to educate people in financial wisdom, which in reality, is a means of fulfilling the Great Commission by teaching them.

Once I realized my unique position where I was able to use my competency as a Certified Financial Planner® and incorporate the wisdom gained as a Certified Kingdom Advisor®, my career became my calling. I was finally in the sweet spot and was able to build deeper relationships with clients than ever before.

In my current role, I connect with many advisors across Canada who are very much like I was, enjoying their career and client relationships, yet sensing there is another level of fulfillment that can be reached. My experience is that you can flourish in your work when you realize God has called you to do that work. When you apply wisdom that is timeless (James 3:17) to the advice you share, the results are heavenly and you can enjoy the ride!

The Oldest I’ve Ever Been

The Oldest I’ve Ever Been

We are not getting any younger and I feel that especially today since it is my birthday. Have you ever felt that your best years are behind you rather than ahead of you?

New Years Eve four years ago, was especially memorable since I was turning the big 5-0. I was feeling exactly that way, like my youth was in the rear view mirror and I was never able to accomplish what I desired when I was younger. That very year, I attended a session at the Kingdom Advisors Conference that really spoke to me about the way I was feeling.

The speaker, Lloyd Reeb, from HalfTime Institute, helped me realize that my best years were actually ahead of me. Why? He explained the years where you have the most influence, know the most people, have gained the most wisdom and can have the greatest impact are when you are between age 50 – 80.

Fast forward and I now see that this is true. I have met some amazing and influential people since that time (not to diminish in any way those I knew before). A person’s impact in life continues to build so I am believing for an even greater impact in the year ahead.

Thanks to all who sent me greetings on my birthday but I have a wish for you. May the years ahead be much more impactful the the years you have already lived!! Happy New Year!

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?