We Can Be Better Than This

Is this the best we can be?

There are times when we are challenged as a nation—a people—to look beyond our own individual self-interests. I am reflecting on this point as the “gun control” conversation swirls around us.

During my lifetime, these moments of reflection have come as the result of someone dying. The deaths of Franklin Roosevelt, John Kennedy, Bobby Kennedy, and Martin Luther King are points in time that have become permanent fixtures in my mind.

There are times when we are challenged as families to look beyond ourselves. These too often come as the result of a death. I think of the passing of my mother, father and brother, as well as uncles, aunts and cousins.

During the shock, pain and sadness, I (maybe all of us) allow my mind to drift towards the meaning of these lives. Not only the meaning, but also the guiding principles for the future that their lives suggest. Roosevelt, the Kennedy’s, and Martin Luther King’s prompt personal courage in the face of major challenges. Examples closer to home include my mother’s admonition to ‘love and forgive,’ and my Dad’s creative energy and unrelenting commitment to ‘make it better.’ My brother’s life (he died of AIDS) prompted a deeper understanding of the need to persevere.

The more recent shooting deaths across our country prompt reflections that involve societal issues and questions that start with “How could … ?”

When President Obama stated “We can be better than this,” I echo “Right on.” Regardless of what you think of his politics, you cannot doubt the value of this very human question each of us must reflect and ask: “Am I contributing to the ‘better?’”, “Am I sitting on the sidelines?” Or maybe “Am I part of the problem?” President Kennedy’s inaugural challenge to all of us is part of our National heritage: “Ask not … but what you can do for your country!

It seems—after 7 decades of life—that a key question posed by Martin Luther King is very relevant. He said, “Life's most persistent and urgent question is, ‘what are you doing for others?’”

These penetrating questions about life are independent of politics and cut to the very heart of “Being Human.”

As followers of Jesus, we are challenged to be “better” and to be thankful. When we are not thankful, and our “humanness” takes over, Grace is sufficient. We see this desire to be “better” played out in one of life’s great learning laboratories, developing a Future Funded Ministry. In this laboratory we have the challenge of a lifetime: creating a financial base from which we can truly experience a Lifetime of Service. A Lifetime of Service that allows us to decide how much better we can be, and to whom we are going to minister, to serve. The Future Funded Retirement Plan provides the freedom to “be better” by doing better.

One of our Plan Sponsors recently asked me, “What is the most important reason for having a retirement plan?” My answer? “We demonstrate our love for God by preparing for—and then choosing to—serve others for a lifetime. That is the heart of Future Funded Ministry.”

We can all be better. Here is one formula: A good plan. A little help. Persistent effort. And a lot of prayer. Join me in the endeavor?

Let me know your thoughts and comments. Our dialogue continues.

Living with Trusted Advice together,

Bruce

If you want to really stay in touch with us, “Like” us on Facebook, “Follow” us on Twitter, or “Connect” with me on LinkedIn.

A New Kind of Engagement

http://www.dreamstime.com/-image29028055As I write this I'm in the Narita Airport in Japan. I Left Laos on Saturday afternoon, arrived at Bangkok airport about 9:00PM, finally got a flight out to Japan on Sunday morning about 8:30AM. Now to Dallas-Fort Worth, and then back to Los Angeles.

That routing sheds a whole new light on the “Travel Mercies” prayer request.

With all the twists, turns and revamped schedules it required an amazing amount of focus and concentration to keep my mind clear, and my steps ordered. There certainly was an urge to “give up” along the way as things became complicated!

Each time there is a major change in our lives, what we do and how we do it, or “kefluffel” as a friend suggests, there is a momentary feeling of being disoriented and not knowing exactly what to do. Perhaps that is why we resist change as much as most of us do.

With that perspective, I was reviewing on the plane, a list of Envoy Choice plan sponsors who have embraced the change from either the Lincoln or Nationwide platform to Envoy Choice and its attendant joys. After some momentary disorientation and not knowing exactly how to “engage” with the new options, they made the effort, turned the corner, and are experiencing the great support regardless of their role: Plan Sponsor, Plan Administrator, Retirement Plan Oversightv committee member, or plan participant. It is truly a wonderful thing to see a great plan come together.

Next I was reviewing those who have not yet fully engaged; therefore they have not yet experienced all the benefits of the Envoy Choice Retirement Plan Delivery system. A couple of the key components are the online interactive enrollment process featuring John and Arlene, instant access to all the how-to’s via the Resource Center online for both Administrators and Participants and all the support via the Educate Now program.

Well, the long and the short of it is that there are great benefits when we become engaged, stay engaged, and focus on our desired outcomes.

I Just got on upgrade to Business Class and they have called the flight.

Gotta go, so until next time: Get engaged, stay engaged, stay focused and enjoy the results... Whatever your most important life priority.

Let me know your thoughts and comments. Our dialogue continues.

Living with Trusted Advice together,

Bruce

If you want to really stay in touch with us, “Like” us on Facebook, “Follow” us on Twitter, or “Connect” with me on LinkedIn

Perspective: When the Plate is Overflowing and the Alligators are Near

GatorThe old saying, ”When you're up to your tailbone in alligators, it's difficult to remember that the objective was to drain the swamp." Or, you are trying to catch the meal from slipping off the plate while you are juggling 10 other plates. Have you felt that way? Me too!

What do you do when one of those plates is your organization's retirement plan and you are the plan administrator? Do you add it to your “to do” list? Call Envoy and ask for help? Or just forget it? There are some priorities that must be done. Some priorities are short term, and some are long term.

An example of a long term one that can’t be dropped is the growing of your Future Funded Ministry... Ensuring a lifetime of service. This is one priority that perhaps for you, and certainly many of your plan participants gets short shrift, until the time is upon them. Engagement brings a future reward, and a present one too.

Some of our priorities are just plain work and we need to check them off the list when completed; with a sigh I might add. Others bring a sense of relief that they are done. And some put a smile on our face with the knowledge that it was “a job well done." Of course that is the accolade we all desire to hear just after the end of our life.

Perspective, focus, keeping our eye on the ball and knowing which ball to keep our eye on are the key deliverables of wisdom applied. Those of us who spend time delivering messages of hope and inspiration to others often find it difficult to maintain that hope during our own moments of challenge. Keeping perspective is hard. Thank goodness we have the wisdom and support of our God to provide what we do not have in our own strength.

I am having one of those times of challenge now. Perspective, focus, priority, wisdom, energy, health and perseverance are all high on my prayer list. In what season are you?

This morning I was led to the following passage in Psalms. It brought perspective to me. Perhaps it will help you too.

“Psalm 16:6-11 (NIV) The boundary lines have fallen for me in pleasant places; surely I have a delightful inheritance. [7] I will praise the Lord, who counsels me; even at night my heart instructs me. [8] I keep my eyes always on the Lord. With him at my right hand, I will not be shaken. [9] Therefore my heart is glad and my tongue rejoices; my body also will rest secure, [10] because you will not abandon me to the realm of the dead, nor will you let your faithful one see decay. [11] You make known to me the path of life; you will fill me with joy in your presence, with eternal pleasures at your right hand.”

Let me know your thoughts and comments. Our dialogue continues.

Living with Trusted Advice together,

Bruce

If you want to really stay in touch with us, “Like” us on Facebook, “Follow” us on Twitter, or “Connect” with me on LinkedIn

Perspective: Future Funded Ministry…Ensuring a Lifetime of Service

dreamjobnextexitI had an interesting experience today; teaching my Laotian “translator” the 5 W’s: Who, Where, What, Why and When. In an event-based culture, questioning for content is not a standard practice. When you add a time dimension it really throw them. Think about how much of your communication and information gathering starts with one of those 5 words, and is then followed up with another one of them.

When are you going to retire? Where will you live? What will you do? And who will be with you? And why are your retiring anyway? That gets all 5 into the conversational mix.

Let’s start with the supposition that we will be happiest and most fulfilled if we continue to carry out God’s call on our life until we die. That certainly does not mean that we will be vocational until we die; yet, a lifetime of service certainly is what we are called to do.

I can personally vouch for the fact that I’ve never been happier or more fulfilled, in spite of problems and struggles, at any time in my life. Making a difference, being challenged to stay active at a high level, and learning new things daily brings happiness to me. I’d love Judy to be with me on this trip, but other than that, life is truly an ongoing adventure.

What a blessing to be able to respond to God’s call to action, without being fearful of not having enough money to carry out His call. That preparation is what we call “Future Funded Ministry”...ensuring a lifetime of service. In addition you also achieve the freedom to serve for a lifetime. As I reflect on the Old Testament stories, preparation was always a key part in God’s plan. Consider the Israelites 400 years in Egypt or Abraham’s time in the hills while Lot lived in Sodom. Clearly there is good preparation, and that which is not so good.

Are you, you and your spouse, your fellow workers in ministry, active participants in that stage of preparation? That ongoing process of learning skills and understanding basic principles that will make a difference in how you live for the rest of your life...as part of God’s call? What a blessing to know that we can continue to learn and grow and what joy it brings when we do. Living only for the “now” diminishes the joy in the future. Think about it.

Future Funded Ministry...being able to fulfill an exciting future.

Here is some encouragement for your journey from Envoy and The Money Couple: “Seize the Day” and “Make it Happen."

Let me know your thoughts and comments. Our dialogue continues.

Living with Trusted Advice together,
Bruce

If you want to really stay in touch with us, “Like” us on Facebook, “Follow” us on Twitter, or “Connect” with me on LinkedIn

Passive-Aggressive

passive-aggressiveHave you had any personal interactions that could be referred to as "Passive/Aggressive?" When a person with whom you either must, or want to, interact with reacts passively to any suggestion or situation, and later leaps into the greater dialogue like a hyper hyena. This really bugs me, and often just plain ticks me off. How about you?

While nothing is as easy as “let your yea be yea, and your nay be nay." The fact that the passive aggressive person is usually passive to your face and then aggressive about the subject to others, certainly brings the whole issue of “trust” into focus. What is the truth? Their passive posture or their destructive reaction.

Certainly, we all lose it now and then. Thank goodness for “grace." Also, sometimes we either change our minds or gain new insight or perspective as time passes. Changing our mind, being wrong, and adding perspective are integral parts of any thoughtful and intentional life. I recently experienced this “passive aggressive mode” of acting in a board meeting. Prior to the meeting when a subject was discussed, all joy and light. Then when it arrived on the agenda, all doom, gloom and angry reaction. You wonder, “what is this all about?” Upon examining the persons history, concluded it was both an anger and a “passive-aggressive” issue.

I wonder how God handles these issues with us. We commit to him with joy, and often act to satisfy ourselves as soon as we perceive to be "out of His presence.” Of course that is silly when you put it on paper yet, that is the way we act.

It is both His consistency and His goodness that marked Jesus human existence. That’s the model. He did not react one way to Peter’s face, and then blast him to the other disciples. He dealt with Peter face-to-face, truthfully, clearly and with just love. That is why he is not only our Savior, but also our real life model.

As an additional thought, it is hard work to be clear in our thinking. It takes focus, concentration, creative ideation, and a willingness to be both wrong and vulnerable. Certainly a high standard...yet one worth striving for.

Of course I can’t close without a retirement connection: Don’t be passive/aggressive about your retirement, Future Funded Ministry Plan, or goals. If you are passive now, it will be difficult to be aggressive enough later to make up for the present passivity. So as we say at Envoy, “Seize the Day”.

Let me know your thoughts and comments. Our dialogue continues.

Living with Trusted Advice together
Bruce

If you want to really stay in touch with us, “Like” us on Facebook, “Follow” us on Twitter, or “Connect” with me on LinkedIn

Leadership: Following is a key to success

follow_me_278736665Recently I was headed for Charles De Gaul Airport in Paris. Know that this is a scary proposition, driving in Paris. There are ring roads, streets, avenues, “peripheries" and a lot more. Tie that to 2.5 million Frenchmen and you have a white knuckle driving challenge. Not only that, I needed to bring the rental car back full of petrol, without any idea of where there those services might be found.

Judy, my wife, with map in one hand and GPS in another was my co-pilot. Needless to say, this little travail was going to test our 52 years of wedded bliss. I knew I was close and needed a third strategy. Voila! Two big empty tour buses blew by me; headed for the airport, no doubt. So I decided they would know the best route, and I followed them. The story has a happy ending...We made our flight.

So what is the message in all of this about Leadership? Here is the nugget I gleaned: Follow someone who knows where they are going, has been there before, and is dedicated to the same goals that you are. (Tweet this)

Seldom do leaders create new directions out of whole cloth. Whether we are talking about family leadership, corporate, non-profit ministry, church or even personal direction, when we lead successfully, the process is composed of many elements. Where those elements originate and how they are coalesced, communicated and demonstrated determine the quality of leadership and the degree of success in achieving any goal.

Let’s apply this thinking to finances. First, the best source of guidance can be found in the Bible and the leading of the Holy Spirit in its application to our individual lives and situation. Here we follow a “perfect” winner. Next we go to experts who follow the same leader and bring the wisdom of experience to the process. Learn about Envoy Financial's Retirement options here. Finally, we learn from, follow, those who have successfully been where we want to go. Read about several Future Funded Ministry Champions on our Seize the Day blog.

Leadership becomes much easier and with greater impact when we follow these three steps of Leadership:
1. Follow God’s principles and the leading of the Holy Sprit
2. Follow the wisdom that comes from experience
3. Follow those who have successfully done what you are called to do.

There are many more pieces to the Leadership puzzle. Following these will make it a lot easier.

Let me know your thoughts and comments. Our dialogue continues.

Living with Trusted Advice together
Bruce

If you want to really stay in touch with us, “Like” us on Facebook, “Follow” us on Twitter, or “Connect” with me on LinkedIn

A Little Positioning Makes a Big Difference

RepositioningI started my day in Pakse, Laos; right on the Mekong River. Leaving my air-conditioned room I walked into the high-humidity 90 degree heat and started to sweat. The cooling rains have not yet hit this valley. Around 11:00 a.m. I drove 22 kilometers up the hill to the micro climate at the coffee dry mill. It's amazing what a slight change in elevation will do. Lower humidity and lower temperature. I immediately felt better.

Around 1:00 p.m. I headed another 33 kilometers up the hill, past the town of Paksong to the coffee farm. What a beautiful blessing as the tractors ploughed, the workers hoed and a team of Vietnamese workers pruned. It was now about 83 degrees and 60 % humidity…beautiful.

I was reminded that a little repositioning can make a huge difference…in both physical comfort and in life. The key is how you reposition and where you reposition. Remember the huge difference it made to Jesus' disciples when they followed His instructions and threw their nets on the “other side of the boat?"

Here are some thoughts, see if they help.

When you can’t see clearly, move a little. When you are not thinking clearly, adjust a little. When you are not feeling well, rest a little. When an important relationship is “going south," give a little. When your kids are bugging you, love a little. And when it is just too hot, move a little ways “up the mountain."

I’ve learned that it is not only the big adjustments that make a difference. The little ones often have a huge impact. A client called recently complaining about the fact that she could not seem to save any money. After a brief discussion I suggested that she increase her contribution to her 403b savings account by 1% of salary every year. She said, “Will that little bit make a difference?” We worked the math together, and concluded that she could grow her savings to over $500,000 just a little bit at a time.

Two lessons: One, get some good advice. Two, follow it.

What needs a little repositioning for you? What needs a little repositioning in your organization or ministry? Small changes can have a huge impact on life, family and ministry. Let’s reposition, recalibrate together, give us a call.

Let me know your thoughts and comments. Our dialogue continues.

Living with Trusted Advice together
Bruce

If you want to really stay in touch with us, “Like” us on Facebook, “Follow” us on Twitter, or “Connect” with me on LinkedIn

No Plan, No Future

shutterstock_124610536Not everyone plans for “golden years”.

At Envoy we are no strangers to hearing these words: “God will provide”. Yes, that is true: The Lord will provide and afford you the opportunities for you to make decisions that will impact your future. While God owns it all, he charges us with the responsibility for how His resources are used. Money, indeed, does not grow on trees and it is not mystically available for the devout. You have opportunities and decision to make, responsibilities to yourself, your family, God. Of course we have all heard of the miracles, money at rare times does come from surprising places: Inheritance, donations and sometimes even stranger places. Planning, however, is God’s directed way to prepare for your future and the Bible echoes that notion. In Luke 14:28-30 we hear about this truth literally and figuratively.

“For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it? Otherwise, when he has laid a foundation and is not able to finish, all who see it begin to mock him, saying, “This man began to build and was not able to finish.”

We must finish what we start; and how do we do that? We pray, we plan, spend accordingly and fund our ministry for the future.

Next week we will begin looking at what happens to good people – real people we know when they fail to plan for retirement. All of the stories will be real and every one of them deeply explores the failures of poor planning, mismanaged expectations of the wish to do more in the years past the paycheck than is financially possible.

In the meantime, I encourage you to head over to www.futurefundedministry.com and download a free copy of my newest eBook: Live with Meaning: Understanding the Power of Future- Funded Ministry. The book will challenge the way you view retirement and give insight into why it’s important to plan for the years ahead where the paycheck stops but the call to ministry continues.

Discovering our future together,

Bruce

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