In my work as a financial advisor, I focus on what my clients see as their retirement picture and I look at their assets and income to support their goals. Born in Ottawa, Ontario, I have lived in Toronto ever since my call to the Ontario Bar in 1973. After 16 years of head office legal work, I accepted an offer to join the sales force and to become co-owner of one of the company's agency franchises. I sold the franchise in 2008 after 11 years of sole ownership, just as I had planned.