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improvingfutures (11)

Starting Right Financial Advice

Basics We All Can Achieve

 

https://finance.yahoo.com/news/ray-dalio-3-financial-recommendations-millennials-153540994.html?soc_src=community&soc_trk=ma

 

Ray Dalio has some great tips on what one should do, the title says Millennials, however this is a message many should aspire to. 

So no matter where you are in life, reset, restart, contact our team and get a review and clarity for your financial plans. Let’s put some action into #ImprovingFutures 

Enjoy

Timothy Ross

Founder, Brock Shores Financial

advisor@timothyross.com

613-345-0016

 

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Use That Breath

Take a breath and Use That Breath 

 

A simple first step to become a better listener? Breathing. Many of us can’t help ourselves but jump into a conversation, offering our pearls of wisdom to anyone willing to listen. Psychologist Kenneth Miller says we should take a breather instead. When we breathe before speaking, we give others room to reflect on what they have been saying. It’s an act of generosity. That extra breath also gives us time to think of insightful questions that might truly help the people we are speaking with. •”

 

 

Proper breathing is an obvious next step. I have been working this the last month with my ARP Practionair as we work through my shoulder pain. Remapping years of miss use and bad posture. The pain is leaving and I can do more movements and feel almost normal and stronger and healthier now. Every exercise requires the proper breathing technique otherwise it is simply more difficult and not as effective, without the breathing done right I can often not complete the activity or make progress.  Mike has taught us big belly breathing. Expanding our belly to create capacity for inhaling and exhaling through our nose. Four in with belly expanding, pause, Eight count out with belly contracting, pause, repeat. This simple yet sometimes difficult to achieve method helps to oxygenate and expand our breathing capicty.  It helps work through the pain and exhaustion and helps the mind think better. Litany of other benefits I am sure. 

 

I am up to two sets of our regime and had a person best of a 60 second hang yesterday. Small steps make a profound difference. Remember to breath properly. Stand properly, feet straight ahead , turn those toes so you are properly aligned , keep your head up , eyes forward, arms by your side and of course smile. 

 

The note above reminds us of the of the importance of breathing. It’s free and has huge benefits.  

Cheers!

Tim

#ImprovingFutures

“Let every thing that hath breath praise the Lord.
Praise ye the Lord.” Psalm 150:6

 

Just Breathe and just be

https://youtu.be/hnjeMwxFuBA

 

Breathe by Johnny Diaz

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Doing More Good

Received this email this morning and as normal it gets me thinking, what are we doing at Brock Shores Financial ? How are we #ImprovingFutures  ? How are our actions lining up with our Vision, Mission and Core Values ? 

One thing that we do is research and become aware of the issues and work towards putting sustainable practices in our business and life. A great resource for me has been my membership in  RIA  Responsible Investment Association https://www.riacanada.ca/timothy-ross/

I would love to read what you are doing to make a difference in your life, home, community, please join our online community and share your reflections in the comment section , your Utmost For Your Highest

In the meantime, let's read what Coro Stranberg has to say about the matter. 

Have a blessed day

Timothy Ross, Founder Brock Shores Financial

#Improving Futures

 

Coro Strandberg works with businesses, government and industry associations to envision and innovate a sustainable future. She is an expert on sustainability leadership and transformational business practices and relationships.

"Sustainability is no longer about doing less harm. It's about doing more good."

Jochen Zeitz (Co-founder and co-chair of the B Team and past CEO of PUMA)

I’ve been thinking about the word “good” and how it shows up in our language in countless idioms: For goodness sake. All to the good. Good and ready. Goodwill. For good reason. Good company. And so on. In my work, good – when turned into action – means sustainable businesses that change everything for the better.

Growing global resource constraints – coupled with changing customer, investor, and government expectations – will drive companies to change the way they do business. In this newsletter, I bring you up-to-date on sustainability tools, trends, tips and trailblazers that can help you and your organization become a force for social good. Whether your organization needs a kickstart or it’s leading the way with transformational business practices, you’ll find lots of good news here.

2018 is trending as the watershed year when boards began to actively improve their oversight of the company’s social and environmental performance. Regardless of whether the impetus was scandals, investors, social movements, employees or consumers, more and more boards are taking their fiduciary responsibilities in this area seriously. Fortunately, there is considerable guidance in this new governance practice.

This spring I started teaching the Sustainable Board module for the new Governance Professionals of Canada certification program. The course provides a practical look at board sustainability oversight for governance professionals who advise boards and management on sustainability governance. This will equip corporate directors and executives with greater insight on how to steward the sustainable performance of the firm. Corporate governance leaders also have a sustainable board roadmap in a recently published white paper I authored on the topic for Conference Board of Canada. It's an update on the trends and drivers of sustainability governance that have emerged since the first paper I wrote on the subject in 2008, and provides a sustainability toolkit for boards and those who advise them. Check it out and share these resources with the boards and governance professionals you know.

Business Models for Good

Boards for Good are responsible for ensuring their business has a core social purpose as its engine for growth and goodwill. Businesses are defining and articulating their humanitarian reason for being. The United Way of the Lower Mainland is a leader in this global trend and in so doing, pivoting its corporate donor relationships. This spring I helped the United Way launch its Social Purpose Institute, growing business for good in Greater Vancouver and beyond. Uniquely, the Institute’s vision is to partner with cities, boards of trade and others to raise awareness of this business opportunity and build the regional capacity for social purpose business. In this way, business will bring all its assets, not simply its donations to community good.

Leveraging University Assets for Good

This trend towards leveraging assets for good is taking off in the public sector, too. To advance the widely acclaimed white paper I wrote for McConnell Foundation and SFU on "Maximizing the Capacities of Advanced Education Institutions to Build Social Infrastructure for Canadian Communities" published in 2017, I have been helping the McConnell Foundation and the Canadian Association of University Business Officers (CAUBO) scale social purpose administration and finance among administrative departments at Canadian universities and colleges, info here. The basic premise is that public institutions can bring all their assets and instruments (in addition to teaching and research) to advance societal well-being by applying a social, environmental, community or stakeholder lens to decision-making, budgets and projects. University administrators are finding new purpose and meaning in their jobs from this shift. According to one front line university staff member: "This [social purpose administration] is a new way of working. As administrators who spend our careers in our institution, we can see a tie to our organization. It is also tied to the place where you live. It is another use of your job. It gives me meaning in my day."

Professionals for Good

Not only are governance professionals and university administrators social-purposing their jobs, so too are other professionals looking to build more social value into everyday roles. Since the launch of the Sustainable Professional Association Initiative with The Natural Step, I have had the pleasure of advising associations representing human resources and governance professionals. Current work involves a project for the Real Estate Foundation of BC to define a professional development pathway to build sustainability expertise among realtors. Watch this space for the research paper in early 2019.

This work has me thinking about the "Purposeful Professional": I believe that purpose-driven companies and organizations are creating room for professionals to hone their personal purpose and bring it to work.

Products for Good

Organizations-for-good offer products-for-good. While not easy to go the distance, it can be done as described in this Conference Board of Canada resource I wrote on the topic. Notably, leaders like Marks and Spencer, BASF and LafargeHolcim are setting ambitious targets to reposition their product portfolios in alignment with a sustainable future. This Sustainable Brands article profiles these opportunities. For more detailed guidance, check out the Conference Board paper.

Advocacy for Good

Having a business model, professionals and products for good doesn’t guarantee a sustainable future. We also need government leadership to re-engineer policy, legislation and regulation so that fair, inclusive, low-carbon and circular growth can be enabled. Fortunately, more and more businesses are engaging in the public policy debate, as for-good advocates. This GreenBiz article unpacks this trend and drivers, while this tool offers an "advocacy for good" continuum, from oppositional to transformational practices. Check it out to see where your organization lies. Then engage your government and industry relations teams in how they can bring purpose and meaning to their jobs through a proactive sustainable public policy agenda.

That’s the goods for this newsletter. I always appreciate hearing from my readers. Don't hesitate to contact me for questions, clarifications or additional resources. Thanks for reading. Goodbye for now!

Coro

Good for you

events:

Corporate Sustainability Practitioners: Roles have changed, has your job description?

November 15, 2018 at 11:00 am PT / 2:00 PM EDT
This one-hour, low-cost webinar will discuss how the corporate responsibility practitioner role is becoming more strategic, enterprise-wide, and external. You’ll pick up insights on how the jobs, roles, and departments of CSR and sustainability practitioners are adjusting to meet the new imperatives. More information.

GreenBiz 2019

Phoenix Arizona, Feb. 26 – 28, 2019
I hope to see you at GreenBiz 2019, the Premier Annual Event for Sustainable Business Leaders. I will be moderating a session on "What every sustainability professional should know about board sustainability governance," with investors, corporate directors and sustainability professionals represented on the business panel. You’re guaranteed a thought-provoking and practical session. More information.

 

A picture is worth a thousand words, video's will multiple that , check out her Webinar Library

https://corostrandberg.com/resources/webinar-library/

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Dragon & Shark Tips on Saving

https://www.msn.com/en-ca/money/personalfinance/mark-cuban-the-3-best-tips-to-save-more-money-in-2018/ar-BBHolyp?li=AA54rW&ocid=spartandhp

1. Ditch the plastic

2. Watch your spending

"Be a smart shopper," Cuban tells CNBC Make It.

"You will quickly find that the greatest rate of return you will earn is on your own personal spending," he writes on his blog.

3. Put your money to work

All that money you didn't spend? "Once you have at least six months salary saved, put what you have saved to work, get it invested

Check out Kevin's video on coffee! 

Now when I was at Quick Books Connect in Dec in Toronto, Bruce was one of our guest speakers, I was one of the last to get a picture with him and I was not on the list, now Bruce was a gentleman and waved me over, as the QB Team clicked for us, he said, I seen you in the front row while I was presenting and he thought to himself, there must be a story behind that beard, they don't grow overnight, I assured him there was and perhaps I would be able to share it with him someday. ~ TLR 

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Start Fresh

https://www.youneedabudget.com/why-starting-fresh-isnt-giving-up/ Great article on budgeting, even greater concept, to start fresh vs starting over. Enjoy the article, I am looking at this budgeting tool and others. Any feedback from others is appreciated. TLR https://www.youneedabudget.com/why-starting-fresh-isnt-giving-up/ Quick word association quiz: What’s the difference between “starting over” and “starting fresh”? One of them feels pretty heavy, doesn’t it? A little bit like failure: “You mean, I have to start over?!” I’ve had this thought part way into countless projects renovating our “antique” home. It’s come up in one or two conversations with my kids about homework. But a fresh start? Almost liberating, right? “Today, I have a chance to start fresh.” Deep breath. Ever start a new job? Go off to college? Wake up to a new day after an argument the night before? Start writing this blog post for the second or third—OK. fine—fourth time? Each one a fresh start. In the last seven years, I’ve had five different budgets. The first time I started a new one, it felt like starting over. But I’ve since approached it differently—a fresh start—an opportunity to learn and improve every time. Read on the link for the rest of the story
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Through Back Thursday - Circa 2007

Through Back Thursday - Circa 2007

Going through my archives I came across some great memories. Some building blocks of Timothy Ross & Associates.  This is one of the foundation documents that I produced in March 2007 where I summarized the concept of the process that I was building call Omega Stewardship.

This document is in it's raw form, the inside view, the bricks that built the business.  ~ TLR

 

Omega Stewardship ® "Providing the Multi - Family Office Solution"

The Reason

1. Compliance & Disclosure

2. Maintain & Enhance Existing Client Relationships

3. Convert Prospects to Clients

 

Who, What, When, Why, Where

 

Omega Stewardship is a brand developed by Timothy L. Ross, a Financial & Tax

Advisor, who has been practicing and serving clients since 1988. Mr. Ross,

created his own designation, Family Advisor, to distinguish himself in a

crowded financial services market.

 

He has developed several brands, and slogans to enhance and differentiate

his business from others in the industry.

 

"Where Client Goals Become Our Goals"

 

"Merchant of Hope & Prosperity"

 

"Family Advisor"

 

"Steward of Faith, Hope & Prosperity"

 

"Helping Families Acheive ... Life's Major Goals"

 

"Gaurdians of Your Families Wealth"

 

"Omega Stewardship"

 

Tim's creative and imaginative mind has been able to take some of the best

of the best ideas and integrate them into a practice standard that allows a

very comprehensive and holistic approach to financial planning. His process

is geared around complete personalization of all key communications with

clients.

 

Mr. Ross and others in the industry believe that this system will be a boom

for any advisor that has a desire to streamline their client management and

acquisition process. The tools combined with professional competancy will

ensure a successful, profitable, meaningful , well run practice.

 

Compliance Dream

 

The system integrates all compliance matters to help reduce litigation and

misunderstanding between advisor and client. The full disclosure engagement

letters, risk profile, numerous disclosure documents required today,

investment policy statements and ongoing educational matters helps to

control and reduce risk. The practice standards that drive the client

contact process ensure proper notes, documents, meeting guides and activity

reports that allow an advisor to maintain an active log of all

communications.

 

Your compliance officer will sleep well knowing you are providing Omega

Stewardship.

 

Maintain & Enhance Existing Client Relationships

 

Omega Stewardship helps to consolidate all parts of a clients financial

plan, current and future. Integrating these matters in a tangible way,

involving the client and advisor in what we call a work in process, the

process is never finished, as life is always evolving and so the financial

plan must as well. Clients become advocates of Omega Stewardship and the

advisor providing this level of quality care and service. The system will

uncover hidden opportunities and the client will see were they need help as

well, it is a work in progress. You will have deeper more satisfying

relationships and you will make a real true impact and difference in your

clients and their families life. You automatically become more referral and

they will become advocates for Omega Stewardship and you as the advisor.

 

Converting Prospects to Clients

 

"We have a process, and it makes all the difference" When a prospect sits

down with you and they see you have prepared for the meeting, they know they

are working with a professional who knows her business. When they see what

you have already prepared for them, even before you have done business, they

will know you are serious and they will want to work with you. No one else

will be able to provide what you just offered, it is tangible, they can see

it, touch it, with coaching they will feel it. That will give you an edge

and help convert all the business to your management. It will simply be hard

for them not to give you their business.

 

We practice Continuous Improvement.  Creating efficiencies, documenting processes, procedures and this helps to reduce potential confusion that can occur in a busy family office practice.  This helps to raise the bar for the client experience.

--

Timothy Ross

Family Advisor ® , since 1988

Branch Manager Professional Investments

"Steward Of Faith, Hope & Prosperity" ®

"Where Client Goals Become Our Goals" ®

www.timothyross.com www.youradvisorcares.com

"Helping Families Achieve ... Life's Major Goals" ®

 

"Life's Major Goals"

 

1. Tax Smart Planning & Investing

2. Worry Free Retirement

3. Education of Our Children & Grandchildren

4. Quality Care for Our Parents

5. Meaningful Financial Help for Our Loved Ones

6. Meaningful Legacy

 

Sincerely,

 

Timothy L. Ross,

Family Advisor ®, since 1988

"Where Client Goals Become Our Goals" ®

"Helping Families Achieve... Life's Major Goals" ®

 OMEGA STEWARDSHIP  ®

Guardians Of Your Family's Wealth"

 

 

 

 

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