DOUGLAS GRAY, BA, LL.B, is an entrepreneur, speaker, and author of 25 bestselling business, real estate, and personal finance books. A former lawyer, he is now an educator on estate and retirement planning. Douglas lives in Vancouver. For more information, visit: www.estateplanning.ca. JOHN BUDD, TEP, FCPA, FCA, is a Chartered Professional Accountant with more than forty years' experience in wealth management, tax and estate planning. He is an investment advisor and portfolio manager with a leading wealth-management firm. John lives with his family in Toronto. For more information, visit: www.cumberlandprivate.com.