Author: Cindy David

Michael Graham, Ph.D., is currently President of Michael Graham Investment Services Inc., an investment counseling firm which he formed in late 2007 to continue a career in the Canadian investment industry that dates back to 1962. Senior industry positions have included Director of Research at Wood Gundy, Chairman of Investment Strategy at Dominion Securities, Director of Investment Support at Merrill Lynch Canada and Director of Private Client Investing at Midland Walwyn. He is a longstanding Contributing Editor of The Money Letter and a columnist for Advocis” FORUM magazine, and has appeared frequently on radio and television, most recently the Money Talk show on BNN. He is also a frequent speaker to groups within the financial services industry. Bryan Snelson is Vice President, Financial Advisor, and Branch Manager with Raymond James Ltd. He reaches over 500, 000 listeners per week on Toronto radio station JAZZFM91 with his twice-daily market reports and weekly radio commentary, “Portfolio First Aid.” Bryan appears frequently on CBC Newsworld and The National, and is a contributor to The Money Letter. He has spoken to many national and regional organizations on investing, including The Canadian Bar Association, The Ontario Nurses” Association, and the Canadian Association of Retired Persons. Cindy David, CFP, CLU, is Vice President, Estate Planning Advisor, with Raymond James Financial Planning Ltd., with 15 years of financial planning experience. She is an accomplished speaker and frequent member of industry panel discussions. She has had articles featured in industry publications, local newspapers, and client newsletters.