Past Lecturers

The following is a list of past lecturers from whom we have had the honour and privilege of hearing speak at our events.

February 8, 2023

"Latest Developments on Credit Card Surcharging"

And

"Cyber Attacks are Fraud and Credit Executives are Vulnerable"

Wanda Borges, Esq., 

Attorney, Borges and Associates, LLC

"View on the Current State of Affairs for Business"

Ryan Mallough, Vice President, Legislative Affairs, Canadian Federation of Independent Business

November 9, 2022

"Transforming Order-to-Cash into a Data-Driven Strategic Advantage"

Andrea Baker FCICM RGCP

Director, Customer Success Northern Europe & APAC Sidetrade

"Master the Market

Rapid Fire Insights for Finding and Keeping Profitable Business"

Curt Skene CNC

President and Founder, Career Network Club

"Canadian Economic Outlook: 
What now?  What Next?"

Aaron Goertzen CFA

Senior Economist and Director, BMO Capital Markets

May 11, 2022

"Your influence Never Sleeps and Your Professional Presence"

Neil Thornton, President of the Thornton Group

February 9, 2022

"The Road to Knowledge Begins with a Turn of the Page"

Abby Marks Beale - RevItUpReading.com

Three Quick and Easy Speed Reading Strategies.

November 10, 2021

"Is Passion a Part of your Mindset"

Ann Gomez, Productivity and Leadership Consultant.

President - Clear Concept Inc. 

"The future State of Money"

Lois Tullo - Instructor of Financial Services

Schulich School of Business

May 12, 2021

 

"Let the Good Times Roll - In spite of what we are going through"

Marsha Petrie Sue, MBA 

President Communicating Results Inc.

"Connect To Survive and Thrive"

Peter A. Hernandez 

Award Winning Inspirational Speaker 

February 10, 2021

"The Power of influence"

 Rick Hernandez - President & CEO 

Syntesis Global, LLC

An International Business Executive, and an Award-winning Global Inspirational Speaker!  

"Growing Cyber Security Threats You Must Protect Against NOW"

Barbara Paluszkiewicz CEO

CDN Technologies Inc.

November 2011

"Thrive Mindset Part 2"

And

"A New Normal For the Credit Professional"

Speaker: Ann Gomez -  President Productivity and Leader Consultant Clear concept Inc

May 13, 2020

 

This Meeting was cancelled due to Covid-19 

February 12, 2020

 

"Leading Change:  It’s All About YOUR Ability to Create and Understand Impact"

Speaker: Neil Thornton - President, The Thornton                                     

                          Group of Companies

Paul Kalmin CFP

Financial Planner

Benjamin Gossack - Vice President, Portfolio                                         

                                   Manager, Fundamental Equities TD Asset Management

November 13, 2019

"Be a Leader Not a Boss" "Effective Leadership" "The Disney Approach to Customer Care"

Speaker: Nicola Hill - Fouder, IM.CO   

"Crypto Currency and Bankruptcy"

Speaker: Lou Brzezinski - Partner, Blaney                        McMurtry LLP

May 8, 2019

"The LeadershipClass Workshop | Leading & Managing Change in Complex & Competitive Times"
Speaker: Alan Kearns Head Coach and founder of CareerJoy™.

February 13, 2019



Behind the Numbers:

Financial Literacy for Credit Profressionals

Speakers:

- Jim Muccilli MBA, CPA, CA, IFA, CBV, CFE, ASA, CFF               

- Julie Zylberlicht CPA, CA, CBV, CFF

“Planning for Your Financial Future”

Sergiu Hirtescu CFP, CIM, FCSI

November 14, 2018


“Negotiations – Helping People Get What They Want”
Speaker: Fotini Iconomopoulos, FORWARDfocusing

“Something Old, Something New, Something Borrowed, Something Blue”
Speaker: Tim Paulsen, Speaker, Author


May 9, 2018

Jeff Jones, CFO Twisted X
“Credit, Sales and the Art of Conflict Resolution”

 

Richard F. Lee, President Pendragon Consulting Services
“Canada’s Anti-Money Laundering & Anti-Terrorist Financing Regime”
 

February 14, 2018

Cindy Crowley, a Business Consultant of Sales and a Highly Experienced Leader
Speaking Your Customers Language”
 
Richard Payne, B.A. and LL.B from Dalhousie University 
 “Paper Judgements and how to avoid them. What can be done now to make claims more collectible tomorrow? 
Austin Gottlieb is a Canfitpro certified Personal Training Specialist from GoodLife at Sheppard east location.
The Four Pillars of Health
November 8, 2017

 

Alex Dorr, Reality-Based Leadership
“Reality Based Leadership Philosophy - Ditching the Drama and Turning Excuses into Results”

Keith Ward and Chantal McMillan / Intelligence Researchers/Analysts with the RCMP
“Mass Marketing Fraud – Prevention and Awareness"

May 10, 2017 

 



Professor Edward I. Altman

Understanding and Applying The Altman Z-Score Family of Models

Dianne Hunnam-Jones, Robert Half District President, Eastern Canada

“Get Ready for Generation Z: How to Prepare for the Diverse Multi-generational Workforce”



_______________________________________________________________________________________________


February 8, 2017


Speaker:  Wes Friesen (MBA, CCE, CBA, CBF, CMA, CFM, CTP, EMCM, CMDSM, MDC, MCOM, CM, APP, PHR, CTP)


Topic

“ Your Team Can Soar - Powerful Lessons to Help You Lead & Develop High Performing Teams”

__________________________________________________________________________________________________


November 9, 2016


Speaker:  Karen E. Purves, M.A.

Topic 1 – Innovative Impact

“ Becoming a Lie Spy – Clues if Someone is Being Dishonest ”      
Topic 2 -   
“ Wag More , Bark Less – Reducing Negativity in the Workplace ”  

 

Speaker: Peter Hall – Vice President & Chief Economist – Export Development Canada 

 “ To  boldly go where others wont ”

___________________________________________________________________________________________________

May 11, 2016


Speaker: Christine Boyle 

"Command and Control: Leading with a velvet glove."


Speaker: Sue Whitney 

"Creating positive change in the Canadian payments ecosystem."


_____________________________________________________________________________________________


Feb 10, 2016


Speaker: Wanda Borges, ESQ.  The principal member of Borges & Associates, LLC

U.S. Bankruptcy laws: (What every Credit Executives in Canada needs to know)


Speaker:  Tim Paulsen -  Author, consultant, speaker and trainer.

Negotiation – Mind over matter (If you don’t mind, it don’t matter) 

_________________________________________________________________________________________


Nov 11, 2015


Speaker: Two time Emmy Award winner Tom Smithe

Topic 1  - Present like a pro

Would you like your next speech to be 10 x better than your last

Topic 2 - Run a tight ship with a big hart

Would your staff follow you if they didn't have to ?

_________________________________________________________________________________________


May 13, 2015


Rick J. Hernandez– President/Founder –  Syntesis Global

Creating a Culture of Excellence – The Three Awareness’s”


Lou Brezinski, Partner – Blaney McMurtry

“Blowing the Bad Debt Budget - Target Canada Bankruptcy – Lessons and Update”


 
Rick J. Hernandez– President/Founder –  Syntesis Global

 "The Power of Influence & Purpose


_______________________________________________________________________________________

 February 11, 2015


Vilis Ozoles – Head Volleyball Coach, Niagara University

“Doing More With Less: A Non-Traditional Way to Manage Your Time, Productivity & Career



Ronald Sereika, CCE, CEW

“Understanding the Importance of Cash Flow, & How to Accurately Forecast Cash Within 2-5%”



______________________________________________________________________________________

 November 12, 2014


Pamela Krank – President – The Credit Department, Inc 

1)Becoming an Internal Consultant to Improve Results
2)The Future of Credit




Bob Bhalla & Joseph C. Edmonds – JAMS AND JAMS Canada

Alternative Dispute Resolution in a Financial Services Context




______________________________________________________________________________________


May 14, 2014


Declan Flood, FIACP, FICM – Founder – Irish Credit Management Training

“Putting Credit Management Front & Centre of Every Organization”

Al Carmenini, RGCP – Senior VP, Product Development - CreditRiskMonitor

"How to Analyze the Financial Risk of a Company in 6 Easy Steps”

______________________________________________________________________________________


Feb 12, 2014


Abe WalkingBear Sanchez

"New Profit Metrics for Senior Credit Executives".


Perry Krieger, Senior Vice President & Robyn White, Vice President, BDO

"You and Your Insolvent Customer"

______________________________________________________________________________________________________________________________


November 13, 2013

Kevin Jones - VinJones

Social Media

David Swift  - Partner Harrison Pensa LLP

Recent cases of interest and ways to ensure payments are recovered.


______________________________________________________________________________________________________________________________


May 8, 2013


Geoff Weinstein - Founder,  Mainstream Communication
The Three Elements of Influential Communication


Wally Menary - Senior Manager, Canada  Atradius Credit Insurance NV
Financial Statement and Cashflow Analysis


______________________________________________________________________________________________________________________________



February 13, 2013


Michael Vincent - President & CEO  (CashonTime)
Cash Flow Optimization


Aaron Goertzen - Economist (BMO Capital Markets)
Canadian Economic Development and Outlook 


Sue Van Der Hout LLB, LLM - Director (Vestra Advisors)
Change, Adaptation, Leadership, and Brain Science


______________________________________________________________________________________________________________________________



November 13, 2012


Bob  Woodcock - Chief Engagement Offices  (The Pulse Check)
Influencing - The Single Most Important Aspect of Leadership


Shannon Skinner - Author/President (Skinner Publicity)
Unleash Your Creativity

_________________________________________________________________________________________________________________________________


May 9, 2012


Rory Sheenan (International Speaker, Best Selling Author)
Mindset for Success


Diana Petramala (Economist TD Bank)
Canadian Economic Outlook




February 8, 2012

Monika B Jensen
Having Those Difficult Conversations with Ease

Joel E. Levitt- Partner - Fryer Levitt Law Firm
Negotiating the Court System




November 9, 2011

Al Rosen - Rosen & Associates Limited
IFRS & Other Nasty Financial Trickery - How Can Credit Managers Better Protect Their Company

Rob Mc Garry - First Data
The Good The Bad and The Ugly - Accepting Credit Card Payments for B2B Merchants

______________________________________________________________________________________________________________________________


May 11, 2011

Vilis Ozols - The Ozols Business Group
The Four Evolutions of Excellence

David D Tawil - ETG Capital
When Unsecured Open Terms Are Too Risky - Alternatives to Just Saying No

______________________________________________________________________________________________________________________________


February 9, 2011

Jessica Butler – Attain Consulting Group
Take Control of Deductions – Create Your Own Economic Recovery Plan

Curt Skene – Master the Marketplace
Master the Marketplace




November 10, 2010

Judy Suke, DTM – Triangle Seminars Trainer, Professional Speaker, Coach and Author
Guide, Energize and Excite Your Employees

Adrienne Garth – Paralegal, TLC Law Corporation
Arbitration & Mediation in Small Claims Court and District Court




Tuesday, May 4, 2010

Gala Dinner

CAGT Presents: Retirement Perspectives
With: Patricia Lovett-Reid, Senior Vice President of TD Waterhouse Canada Inc.

Retirement Perspectives

Retirement is a hot topic these days. As baby boomers seek to redefine retirement as we know it, many worry whether they have saved enough for their retirement. Patricia Lovett-Reid, Senior Vice President with TD Waterhouse will help you...

 



May 12, 2010

Dave Howlett - Founder and Managing Director, RealHumanBeing.org
What do we need in turbulent times?

Patrick W. Carothers - bio
Hot topics in u.s. insolvency law.




February 12th 2010

Vilis Ozols, MBA, CSP, The Ozols Business Group
“Competing to Win: Leading and Motivating in a Credit and Collection Environment”

Peter Hall - Vice-President and Chief Economist, Export Development Canada
“2010 And Beyond – The Economic Road Ahead”




November 11th 2009

Ms. Abby Marks Beale
"Slaying the Email Dragon"

Mark Shimmin of Manulife and Paul Kalmin of Kalmin Financial
"Your Financial Future in Troubled Times"

Dianne Hunnan-Jones
"Most Common Mistakes Managers Make in Uncertain Times"




May 13, 2009

Bruce Christopher - Psychologist, Humourist, Keynote Speaker
The Power Of Perception - “How What You See is What You Get”

Watch a video clip of Bruce Christopher





February 11 , 2009

Mr. John D. Bodrug - Davies Ward Phillips & Vineberg LLP
“Competition Act Considerations for Commercial Credit and Finance Professionals: Recognizing and Minimizing the Risks "

John Mueller, Regional Manager, Atradius Credit Insurance NV, and Douglas Roff, National Sales Director, Atradius Credit Insurance NV
“Canada and the Global Economy: What to expect and how to deal with it”




November 12, 2008

Mr. A.S. (Andy) Lathem - Director, Emergency Programs - Emergency Management Office (Nova Scotia)
“Swissair Flight 111 – Lessons Learned"

Ramesh Shah
"The Underground Economy-A Canada Revenue Agency Perspective"




May 7, 2008

Bruce Christopher - Psychologist, Humourist, Keynote Speaker
"Why Women Are So Strange and Men Are So Weird" and "Are We Having Fun Yet?"

Frank Bennett of Bennett & Company
"A Critical Commentary on How the CCAA Operates "




February 13, 2008

Robert A. Klotz, BSc, JD, LLM - Lawyer
“The Interplay Between Bankruptcy, Insolvency, and Family Law"

Ernest "Rick" Thomas, III - Lawyer
"Life of a Collection Lawsuit in the United States"

Fred Ketchen - Economist
"Canada’s Economic Outlook"




November 14, 2007

Bruce Tulgan - Rainmaker Thinking
"Managing the Generation Mix"

Eric Mukandila
"Managing Credit in a Global Environment"




May 9, 2007

Frank Bennett, LSM, LLM - Bennett & Company
"A Critical Commentary on How the CCAA Operates"

David Dienesch, FCI, MBA and Neill Cooke - AON Credit Insurance Services
"Using Credit Insurance to Minimize Credit Risk"

Ian R. MacFadden - The Business Development Bank of Canada
"Unique Financing Options for your Small and Medium Sized Clients"




February 14, 2007

Tim Paulsen - Author and Speaker
"But I Don't Have Time for a Nervous Breakdown"

Brian Verheul - Royal Canadian Mounted Police
"Maintaining Economic Integrity"




November 8, 2006

Mike Morley - Author, Speaker & Consultant Sarbanes Oxley
"Sarbanes - Oxley Simplified"

Doug Stewart - Institute for Business Technology
"The Power of Personal Productivity"

Anthony Knill - Foreign Affairs and International Trade Canada
"Canada's Trade Commissioner Service"




May 6, 2006

Ian Nielsen-Jones - Competition Bureau
"Bid Rigging and Price Fixing in the Canadian Marketplace"

William Friedman - Friedman Barristers and Solicitors
"The Impact of Mergers and Acquisitions on the Credit Professional"

Susan Aglukark - Singer/Songwriter




February 8, 2006

Dean G. Rallis Jr – SulmeyerKupetz
“Changes to US Bankruptcy Laws"

Melvin C. Zwaig, FCA, CA·CIRP, CFE – Zwaig Consulting Inc.  www.zwaig.com
“Impact of Bill C-55 on the Restructuring of Insolvent Companies in Canada”

Scott Bandura, BMath, MAcc, CPA (Illinois), CA and Eric Clarke – PwC
John McKenna a partner and senior vice president of PwC Corporate Advisory and Restructuring Practice
“Accounting Developments – Do They Travel Faster Than the Speed of Light”




November 2, 2005

Dr. Edward I. Altman Max L. Heine Professor of Finance – Stern School of Business, NYU, Director of Research, Credit & Debt Markets, NYU Salomon Center for Study Of Financial Institutions
“Z-Score Analysis in Today’s Credit Environment”

Lee Robock, Chair & COO of TVOntario
“Fending For Yourself In The New Normal”




May 11, 2005

John Everett Division Assistant Superintendent of Bankruptcy, London
"The Role of the Office of the Superintendent of Bankruptcy" and "What Trade Creditors Can Do"

Malcolm Hamilton Managing Director, Mercer Human Resource Consulting LLC and Mercer Investment Inc.
"The Risks and Rewards of Your Company Pension Plan"

Amy Sky Canada's Singer & Songwriter
"The Business of Music"




February 9, 2005

Patricia Croft Chief Economist, Phillips, Hager & North
"A Trip Around the World, Economy Class"

Ira Smith Partner & Vice President, Price Waterhouse Coopers
"Sorting Out the Differences in Bankruptcy Between the US and Canada"

Diane Tolstoy President, Tolstoy Resources
"Demystifying The Whole Head Hunting Experience"




November 8, 2004

Pamela Wallin Consul General to New York City, Canadian Journalist
"Canada / US Relations - The View From New York"

Wanda Borges, Esq. Attorney at Law
"Five Critical Areas Credit Grantors Should be Aware of When Conducting Business in the USA"




May 12, 2004

Melvin Zwaig Founder of Zwaig Consulting Inc. FCA, CA.CIRP, CFE
"How Will Stakeholders Interests Be Balanced by Upcoming Amendments to Insolvency Legislation In Canada?"

Elaine Chartal Handwriting Analyst
"The Power of the Pen"

Glen Hodgson Vice President & Deputy Chief Economist of Export Development Canada
"Canada's Economic Global Forecast"




February 11, 2004

Tim Paulson Toronto Chapter of the Canadian Association of Professional Speakers
"An 'Oilchange' for the Credit Professional?"

Lou Brzezinski A Partner with Blaney McMurtry LLP
"The Impact of Privacy Legislation on Credit & Collection in Canada"




November 12, 2003

Doug French Vice-President of Corporate Accounting & Financial Reporting for Telus
"Where is Financial Reporting Going?"

Dave Love FCI, Director of Administration at Grand & Toy
"Grand & Toy's E-Invoicing Solution"

Dianne Hunman-Jones Regional Manager with Robert Half International Inc.
"Recruiting, Hiring and Managing Employees"




May 14, 2003

David Cohen Head of the Banking & Restructuring Dept. in Gowling Lafleur Henderson LLP
"An Overview & Comparison of the Canadian & American Corporate
Reorganization Regimes"

Sandy Boucher Principal of Intelysis Corp.
"Due Diligence & Data Mining-Look Before You Leap"




Februray 12, 2003

Garry K. Nichols Regional Director, Ontario of the Financial Transactions Reports
Analysis Centre Canada (FinTRAC)
"Catch me if you can"

Greg Skinner Acting Manager Corporate Communications and Governmental Affairs for the
TDL Group (operator's of Tim Hortons)
"The Tim Horton Canadian Success Story"




November 13, 2002

Marc Mayrand Superintendent of Bankruptcy
"The Insolvency System and New Developments regarding Legislative
Amendments"

Dennis Gaulin FCI, CIM
"25 Years in Credit…Things I've Learned"




May 8, 2002

Dean Rallis Jr. Sulmeyer Kupetz Baumann & Rothman
"Bankruptcy and Reorganization in the US, Recent Cases and Developments"

Dr. A. Scott Carson Dean of the School of Business and Economics, and Professor of Business
Policy at Wilfred Laurier University
"Governance and Ethics: What are the obligations of a Board, and to
Whom should the Board be responsible"




February 13, 2002

Allan Bonner SOCKO (Strategic Overriding Communication and Knowledge Objectives)
"Doing and Saying the Right Thing - Professional Risk and Crisis
Management"

John Aanania Assistant Chief Economist with RBC Financial Group
"Canadian and US Economies, An Outlook in Uncertain Times"




November 7, 2001

Dr. Vincent Amanor-Boadu Chief Strategy Officer at Venturelabour.com
"Networking in the New Economy"

Gaston Jorré Senior Deputy Commissioner of Competition with the Merger Branch of
Competition Bureau




May 9, 2001

Scott Blakely Partner, Blakeley & Blakeley LLP, California Law firm
"Hot Legal Topics facing the Credit Professional with Cross Border
Sales"

Mayor Hazel McCallion Mayor of Mississauga Mayor Hazel McCallion Mayor of Mississauga
"Fiscal Responsibility and The Mississauga Story"




February 14, 2001

John Palmer Superintendent of Financial Institutions
"Prudential Regulation and Supervision in the New Millennium"

Peter Jackson Consultant and Specialist, In Corporate Governance, Risk Management &
Control, for Canadian Institute of Charted Accountants
"Monsters under the Bed"




November 8, 2000

L.S. (Al)Rosen Principal, Rosen & Associates
"Pulling the wool over Auditor's Eyes?"

Mark Ellwood President, Pace Productivity Inc.
"Balance Your Time and Get More Done"




May 10, 2000

Doug MacNamara Vice-President & General Manager of The Banff Centre For Management
"Knowledge Management and Intellectual Capital"

Perry Krieger President of Perry Kreiger & Associates Inc.
"Finding your Way through the Bankruptcy Process"




February 9, 2000

Dr. Sherry Cooper Chief Economist & Senior Vice-President, Nesbitt Burns
"Riding the Upwave"

Gregory Bannon Vice-President, Nesbitt Burns
"Managing Your RRSP & Your Financial Future"

Andy Steele Credit Manager, Compaq Canada Inc.
"A Quick, Easy & Cheap Mercantile Credit Scoring Workshop"




November 10, 1999

Michael Stern Principal, Michael Stern Associates
"Whose Career Is It Anyway?"

Randall Scott Echlin Partner, Borden & Elliot Toronto Law Firm
"New Developments in Employment Law for the 2000's"




May 10, 1999

Robert Kolken Partner, Sacks & Kolken, Buffalo NY
"Crossing the 49th Parallel"

Cameron McCaw Partner, Arthur Anderson & Co.
"Short Cuts - Mean Big Bucks"




February 10, 1999

Don Short Partner, Fasken Campbell Godfrey, Toronto
"Mediation in Practice"

Roz Usheroff President, Usheroff Institute
"Steps for Self-Promotion"




November 11, 1998

Catherine Larkin MICA's Managing Director of Leadership Practices
"Strategic Leadership Practices -An Industry Imperative"

Wanda Parker MICA's Vice President, Consulting Group

Howard Levitt Lang & Michener
"Harassment in the Workplace"




May 13, 1998

Charles M. Tatelbaum Senior Partner, Legal firm of Johnson, Blakely, Pope, Bokor, Ruppel &
Burns, P.A. in Florida
"New Pitfalls for extending Credit in the USA"

Derek S. T. Baldwin Director Worldwide Operations of IBIS; International Business
Intelligence Services
"Operation Audits and Investigative Resources for the Business Manager
Today"




February 11, 1998

Alan Breakspear President & CEO, IBIS Research Inc., Ottawa
"What's your Competitive Intelligence Quotient?

Donald E. Short Partner - Law Firm of Fasken Campbell Godfrey of Toronto
"Fitting the Forum to the Fuss-An Introduction to Alternate Dispute
Resolution"




November 12, 1997

Catherine Swift President & CEO, Canadian Federation of Independent Business
"Small Business Opportunities & Challenges--In the Mediam Term"

Tim Paulsen President, T.R. Paulsen & Associates
"I don't have time for a Nervous Breakdown"




May 7, 1997

Cameron A. McCaw Partner, Arthur Andersen
"How to Detect Irregularities in Financial Statements - Forensic
Accounting"

Greg Goddard Johnson & Higgins
"Insurance Fundamentals"

Spence Shusterman Johnson & Higgins
"Risk Management"

Chris Case Credit Ins. Sales Manager, Credit Insurance
"American Credit Indemnity"




February 12, 1996

John W. Diwik FBI Special Agent Chicago Div.- Fed. Bureau of Investigation
"Bust-Out"

Rick Cleary Senior Vice-President and General Manager, Creditel
"Evolutions in Commercial Equifax/Credit Reporting"




November 13, 1996

Ruth Fothergill Regional Vice-President, Ontario for the Export Dev. Corp.
"Assessing Credit Issues: A Case Study"

Jacqueline McGinn Portfolio Mgr. of the Credit Surveillance & Analysis Dept. for the Export
Dev. Corp.
"Assessing Credit Issues: A Case Study"

Christine Lucy Branch Manager with Robert Half Canada
"The Changing Role of the Credit Manager"




May 8, 1996

Charles M. Tatelbaum Sr. Partner, in charge of Creditors Rights Dept. of the Tampa-Clearwater,Florida
Firm of Johnson,Blakely,Pope Bokor, Ruppel & Burns,P.A.
"US Bankruptcy Law and the Canadian Business-What you don't know will hurt you."

Jim Boles Manager of Business Systems at Anixter Canada
Internet




February 14, 1996

Melvin Zwaig Partner, Arthur Andersen
"The Corporate Doctor"

Leslea G-Thomas Manager, Arthur Andersen
"Vital Signs"

Mo Meghi Manager, Arthur Andersen

Lloyd C. Atkinson Principal MTA Investment Canada: Counsel
"The Glass Half Empty…But Filling"

C.S. Reynolds President & Owner, Investment Planning Counsel of Canada
"Investment & Financial Planning Strategies"