Blog

Going through the payroll process this season, I was able to reflect on those lives that we have had an impact on our payroll, for fun I started remembering everyone and expanded the list to include other relevant parties. Over time people change, companies change, life accumulates. ~ TLR

 Employee's & SubContractors  39 since 1988

Tammy, Heather, Megan, Michael, Katina, April, Adonica, Leigh, Mikayla ,Dean, Rebecca, Tina, Melanie, Sue, Cassandra, Cody, Andrew, Rodger, Neil, Brandon ,Leonard, Charly, Lisa, Stepheny, Tim, Peter, Mike, Don, Isaiah, Stan, Bob, Geo, Ron, Natasha, Douglas, Luke, Derek, Alex, Wayne, Brenda

Investment Dealers

Professional Investments, Peak Investment Services

Insurance Dealers

Professional Insurance, Cartier Partners, Financial Horizons

Insurance Companies

Ivari(Transamerica) Manulife (Commercial Union), Empire Life, Canada Protection Plan (Forestors), Canada Life, Equitable Life, Standard Life, Travellers, Best Doctors, RBC

Branch Offices

Professional Investments Belleville, Brockville,  Nav Group Trenton

Investment Companies

Invesco ( Trimark, AIM), NEI ( North West, Oceanrock, Meritas ), CI, Tempelton, Vengrowth, Covington, Tricycle, Standard Life, AIC, Manulife, Sprott, Mackenzie, RBC, Dynamic, Criterion, Medical Discovery, Bridgehouse, Empire Life, ING, Fidelity, Growth Works, AGF, Mineral Fields, Sprott, O'Leary, Elliott & Page, Gaurdian, First Ontario, Clarington, Triax, Talvest

Tax Collection Agencies, Canada Revenue Agency, Her Majesty The Queen as Represented by the Minister of National Revenue,  Uncle Sam for the United States of America 

Regulatory Bodies

FISCO,MFDA,OSC (Ontario,BC,NB) , CRA

Professional & Community Organizations

RIA,Advois,IFB,BCOC,BCC,ACC,CFIB,CAIFA,CFIB,Kiwanis,Rotary,CSA,CARP,CC,EFILE-AC,GBAS,BAFB,PPC,CPC,NB,BHS,FF,4-H,BIC-1862,

Reflecting on all of this, I am reminded of the beauty of business quote that I penned many years ago. I will post that below these guiding principals.

 4-H teaches us to, "Learn To Do By Doing", with your Head, Heart, Health, and Hands

The Mountain teaches and demands  "One Step At A Time"

Business embraced "Where Client Goals Become Our Goals"

Investments reminds us to be the "Guardians of Your Family's Wealth"

Nick Murray taught and reminded us of the Mission, "Helping Families Achieve Major Goals" , the rest is commentary

Our Vision was to provide "Omega Stewardship" , the People and our Core Values made that possible

Business evolved into "The Family Office"

Brock Shores Financial focused us on "Improving Futures"

Covid reminded us "Your Advisor Cares"

Timothy L. Ross, Family Advisor, since 1988, CEO, Founder Brock Shores Financial , Timothy Ross & Associates

Chief Weekend Warrior for every other crazy thing I do!

 "The beauty of being in business is that your business engages all aspects of your mind, I think that is why you become successful, business challenges you to be more than you are, and that is where the miracle takes place." Timothy Ross, May 2004

I like Winston Churchill, he had the incredible ability to move the English language into action. My mentor Jim Rohn, say's , "Don't be afraid to borrow if someone else has said it well. Winston Churchill said, "The truth is incontrovertible. Malice may attack it and ignorance may deride it, but in the end, there it is." That's so well said. You could stay up all night and not think of that. "

In case your compliance cruising, full stop, see, read, digest disclosure  

https://improvingfutures.ning.com/blog/peak-dealership-representative-disclosure

READ THE FINE PRINT

Member of the Ship's Company , Bytowne Brigantine's Tall Ship Sail Training Program Adventures

Peak Disclosure - Click Here Please

We make a living by what we get, but make a life by what we give.

-Winston Churchill

I came across this quote while reading my Habitat for Humanity newsletter yesterday.

Great organization, I have many fond memories of the people there, the history that I have shared with many, I remember Valerie Kines, Second Cup, Rotary times with her , climbing with David & Becky raising funds with them ( 15,000 + for our Everest Base Camp adventure which ended by earthquake)  with Dreams Mountain Foundations Alumni, at the events we held , Kim Rice and her husband promoting the local events for us, Gerry and his wife, and all the little trips and finds at the store,  good stuff to warm my heart.   https://dreammountains.com/dreamteam/

Since 2009, the Dream Mountains Foundation and its climbers have raised:  $1,287,723

So doing a little gleaning from the email, here are some highlights

HABITAT TIDBIT
 

Former President Jimmy Carter, who has volunteered with Habitat for Humanity for 35 years, will be turning 95 on October 1st.
The former President and his wife Rosalynn Carter are continuing this commitment to Habitat by joining future homeowners and volunteers this fall to build 21 new homes in the Park Preserve neighborhood of Nashville. This is an amazing feat not only for someone of the former presidents age, but also for the fact that he had to undergo hip surgery this past spring after falling in his home.  The Carter's not only support Habitat at home but also abroad. In 2017 they came to Canada to help build homes for the Jimmy & Rosalynn work project.

getting closer to starting our build in Cardinal. In the next few weeks we should be posting on our website at www.habitat1000islands.org the details of when our ground breaking ceremony will take place!

World Habitat Day is on October 7 -   this is a United Nations awareness day designed to bring attention to the state of our towns and cities, and the right to adequate shelter for all. It's election time, so it's a perfect opportunity for us  to ask our candidates how they will help make safe and affordable housing a priority.

Waste Reduction Week in Canada is recognized from October 21 to 27.  Why not do your part by donating to our ReStores your gently used household, or renovation items that are still in great shape? You'll not only help support Habitat, but also save re-usable items from the landfill. Visit our website for a list of items we accept. We even take your old appliances, working or not!

TAX TIP !!!!!   when you donate something of some value it often can be appraised and a charitable tax receipt will be given, it's a great tax break, doesn't take alot of time to do and I love adding those onto a tax return. ~ Tim

Example, let's say my friend Mark decides to donate his prized load of tiles that he over bought when building his rental ( and he didn't keep his receipt, if you knew Mark you would understand) and they are worth say $1000 if he could sell them full retail ( they are in good shape)  and if HFH decides that they can sell them for say 50% less, so $500, he would get a tax receipt for the now Fair Market Value of $500 and on his taxes he would get an extra refund of $232 with that one decision. That would almost pay many peoples tax bill from me for a couple years, basically taxes are done for free with a little thinking and generosity. Now if one of us could do this everyday for a year 232*365 = 84,680 in tax savings in our little group, one a day and the charity now has $182,500 in potential sales (to build a house for a young family) ,  $365,000 in goods at retail value, and if it was all tiles, now we are just getting crazy.  Neat Impact , think about that and do it   .... another example would be to donate your old car, get a $500 receipt, same principal, donate a beautiful kitchen table and chairs, you don't need it any more, or you inheritated from your aunts estate, or the kid doesn't need the whatever anymore as they are heading west and no room in the plane and you paid good money for it, bring it in.  

Timothy Ross, Family Advisor, CEO & Founder, Brock Shores Financial

Mutual Funds offered through PEAK Investment Services Inc.

Brock Shores Financial / Timothy Ross & Associates, Family Office Providing Omega Stewardship

4502 Airport Road – Tincap, GTA Professional Center, Elizabethtown, Ontario K6T 1A2

613-345-0016 Office   613-213-4625 Cell/Text    613-345-5231 Fax advisor@timothyross.com 

Executive Assistant: Heather Kiley assistant@timothyross.com

Office Manager: Megan Ross megan@timothyross.com

Mission - Vision – Core Values  “Serving our clients and community since 1988”

OMEGA STEWARDSHIP

* One Stop Process Driven Approach for Retirement & Income Planning

* Personalized Tax Management Solutions for Individuals & Business Owners

* Confidential Wealth Management Solutions

www.BrockShoresFinancial.ca  www.TimothyRoss.com

#ImprovingFutures   www.ImprovingFutures.ca

Helping Families Achieve ... 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

Member of Advocis, The Financial Advisors Association of Canada

Member of IFB, Independent Financial Brokers of Canada

Member of RIA, Responsible Investment Association

Member of the Rotary Club of 1000 Islands, Paul Harris Fellow

We value your business, please leave a review on our Bark profile

https://www.bark.com/en/company/brock-shores-financial/q2aev/?show_reviews=true

Have a Blessed Day!   "People influence People”

 Kevin Preston took this picture of me the day we climbed Mount Washington, we decided to go climbing after we returned from Everest Base Camp adventure in April/May 2015, the earthquate in Nepal had prevented us from climbing and we wanted to get in some peaks, it was a great climb, miss you my friend, I was so looking forwrad to hearing your stories about the adventures you had undertaken since I seen you last. ~ Tim  " Got to love a little adventure on the top of a boulder overlooking the big ravine, my legs were starting to get shaky, a life adrenaline rush for sure"

https://advisoranalyst.com/2019/08/12/does-sustainable-investing-constrain-a-portfolio.html/

Came across this article in my email box this morning

"Sustainable investing is often misunderstood. Many investors think a sustainable agenda limits a portfolio to a narrow piece of the market. In fact, plenty of stocks can help investors create social benefits while generating strong returns—if you know how to find them."

and I was reminded why I like them ESG and SRI in our client portfolio's .

ESG = Envirnomental , Social,  Goverence

SRI = Socially Responsible Investments

https://www.riacanada.ca/responsible-investment/

What is Responsible Investment?

https://www.leedsgrenville.com/en/services/ontario-renovates-program.aspx

Here is a link to a program that maybe of interest to seniors or those with a disabilty , with family incomes under 60,000 and assets under 20,000 ( excluding home valued under 225,000 )

This looks like a good option for many that need to get some of these items taken care of. Feel free to share this info with others that may benefit as well.

Thanks

Tim Ross

The Ontario Renovate program may help with

• heating systems
• vents
• chimneys
• electrical systems (not solar panels)
• windows and doors
• plumbing
• roofs
• septic systems
• walls
• well water and well drilling
• floors and ceilings
• louvers

Qualifying accessibility repairs include:

• ramps
• handrails
• chair and bath lifts
• height adjustment to countertops
• cues for doorbells/fire alarms

Program Overview

The Ontario Renovates Program is offered as part of the Investment in Affordable Housing for Ontario (IAH 2014 Extension) Program funded by the Ministry of Municipal Affairs and Housing (MMAH), and provides financial assistance to households in need to repair deficiencies in affordable ownership properties. Funding is provided in the form of a 10 year, interest-free forgivable loan based on the cost of approved home repairs up to $15,000, and subject to the availability of program funds. A mortgage will be registered against the owner’s property for the duration of the loan forgiveness period for approved funding exceeding $7,000. The Counties will discharge the mortgage at the end of the loan forgiveness period (i.e. 10 years) at the Counties’ expense. In the event of default under the terms of the Promissory Note Agreement, the applicant/owner(s) shall be solely responsible to discharge the mortgage on the property at his/her expense. To support independent living for seniors and persons with disabilities, funding for accessibility repairs approved to a maximum of $5,000 is in the form of a grant, and does not require repayment.

For Full Fact Sheet

https://www.leedsgrenville.com/uploads/418/Doc_636928236496803884.pdf

Came across this article this morning in LinkedIn, I think it is worth a little study. What would be said? Good question. - TLR 

Need career help? Start writing your own eulogy. When we imagine our own deaths, and even write drafts of the way we’d like to be remembered, we can examine our priorities and goals from a broader perspective. Executive coach Daniel Harkavy encouragesthe CEOs he works with to draft two eulogies: the one that would be read today, and another that encompasses all of their future achievements. Comparing the two can help you reevaluate how you are spending your time and the decisions you are making. • Here’s what people are saying.

here is the article 

 https://www.fastcompany.com/90266043/how-vividly-imagining-your-own-death-can-help-your-next-career-move

”In that 2005 Stanford commencement address where Jobs talked about the importance of realizing you are going to die, he also stated that, upon reflecting on his success, he realized “You can’t connect the dots looking forward; you can only connect them looking backward.”

Yet with the eulogy technique, now maybe you don’t have to wait until the end of your life to connect the dots. By changing your point of view and shifting your perspective from your present to your future, you’ll be able to see where you want to end up, and then know what steps you’ll next to take–what dots you’ll need to connect–to get there.”

https://www.youtube.com/watch?v=a5SMyfbWYyE&list=PLhhVyaUmOQupT95UiO_74c0-wATcRxceV

Music with a warrior’s beat 

https://youtu.be/IRyMoHJu-i8

there is a place for us

One Step At A Time!

”Be The Adventure”

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/