I am a Chartered Professional Accountant (CPA, CA), and a personal finance writer, trainer and e-Learning content developer. I am also an author of six books on personal financial issues including three national bestsellers. I was a columnist for CPA Magazine from 2014 to 2018. I am a straight shooter able to explain the often confusing world of personal finance in simple English. I have a no-nonsense style and my views are totally independent. I do not work in the financial services industry and do not sell any financial products. There are no sponsors behind the scenes shaping what I say – I say and write what I want – providing unfiltered advice for the hard-working Canadian. I currently operate my own personal finance training and e-Learning content development firm and give in-class and on-line seminars to CPAs in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Newfoundland & Labrador and Nova Scotia. ​ I have made many television appearances including CITY TV Breakfast Television, BNN, CBC NewsWorld, CTV and CFTO News, Rogers TV, CBC Venture and CHTV. I have also been featured on many local and national radio programs including CBC Radio One. ​ I am a member of CPA Canada and CPA Ontario. I am a frequent speaker, often appear in the media and contribute regularly to financial publications. I am also a past-director of Credit Canada, a non-profit organization dedicated to helping people deal with credit problems.