I am currently a Fee-For-Service Certified Financial Planner in NL, Canada, providing Financial Planning and Estate Management Services. I also provide online consulting.

I write on personal finance.

I spent ~20 years in Ontario, Canada as a Certified Financial Planner, serving the Greater Toronto Area.

I completed the following educational programs related to finance:

· Certified Financial Planner (CFP) designation in 2000.

· Financial Management Advisor (FMA) program in 2002.

· LUAC- Life and Disability Insurance Level II Licence in 1999 and held this until 2012.

· Post Graduate Marketing Management Honours- Investment Securities Profile, Humber College, Ontario 1992.

· Business and Economics Memorial University, St. John's, Newfoundland 1982-1987

I have worked as a Financial Planner since 1996, with several large financial services companies in Canada, providing advice and wealth management services to meet the financial goals and needs of clients.

I was a self-employed financial and estate consultant for executors, trustees and POAs from 2012-2015 and returned to this business in 2018.

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I climbed Mt. Kilimanjaro, Tanzania in 2004 to raise funds and awareness for ALS.

I accomplished ‘A Mountain for Maddie’ in 2008, climbing Mt. Elbrus, to help fund Free the Children initiatives of Maddison ‘Maddie’ Babineau. Maddie passed at 15 while raising funds to build a well in an African village, for which she gave her Children’s Wish to build a school.

I enjoy reading/research/writing, playing soccer, playing golf, mountain climbing, hiking, travel, culture and history.