DOUGLAS GRAY, LL.B., is a Vancouver-based expert on estate and retirement planning. Formerly a practicing business and real estate lawyer, he is now a consultant, speaker, columnist and author of 25 bestselling business and personal finance books (published primarily by McGraw-Hill and John Wiley & Sons), including the “Top 10 National Best-seller,” The Canadian Snowbird Guide. Many of these books have been published in other languages and adapted for foreign jurisdictions. Douglas has also designed a real estate investment software program for McGraw-Hill Ryerson and has been a regular expert contributor on personal finances issues for various internet sites and CD-ROM products, including Microsoft Money and QuickTax—Home and Business. He has also been a regular contributor to the Microsoft Canada Small Business web site and the Microsoft Network Canadian Money Central web site.
Douglas has given seminars and presentations to over 250,000 people nationally and internationally in his various areas of expertise. Frequently interviewed by the media as an authority on personal finance and retirement matters, Douglas has appeared many times on various CBC, CTV and Global TV programs. He has given over 1,500 media interviews. He has been a regular columnist for Profit, Computer Paper, Canadian Computer Wholesaler, Canada News and Forever Young and a nationally syndicated columnist for Southam Press. He has also been a periodic contributor to the Globe and Mail, Toronto Star, House and Home, Macleans, Good Times, Canadian Moneysaver, Adviser’s Edge, The Successful Investor and many other publications.
His family of web sites includes estateplanning.ca, retirementplanning.ca, snowbird.ca, homebuyer.ca and smallbiz.ca.
DIANA GRAY is an experienced business owner and consultant. Her company provides centralized business services to small and medium-sized companies as well as home-based businesses. Diana lives in Vancouver, BC.
JOHN S. BUDD, F.C.A., is a financial and investment advisor in Toronto. He is one of the owners of Cumberland Partners Limited, a firm which provides investment management services to affluent families through its wholly-owned subsidiaries, Cumberland Private Wealth Management Inc. and Cumberland Associates Investment Counsel Inc. John holds a Bachelor of Commerce (Honours) degree from the University of Toronto, and he is a Chartered Accountant. In 1991, John was honoured by the Ontario Institute of Chartered Accountants by being named a Fellow of the Institute, in recognition of his contribution over many years to the C.A. profession. For more than 25 years up to 1997, he specialized in tax and estate planning, including 18 years as a tax partner with Deloitte & Touche in Toronto. His clients included some of Canada’s most affluent individuals and families. In addition, he served as national leader of Deloitte’s estate planning service line. While at Deloitte’s, he authored Second Property Strategies, a bestselling book on capital gains tax planning for vacation properties and second residences. For many years, he was also the editor and co-author of Deloitte’s Canadian Guide to Personal Financial Management, and a contributor to How to Reduce the Tax You Pay. In addition, John developed and instructed a number of specialized tax courses for the Canadian Institute of Chartered Accountants, including CICA Personal Tax and Estate Planning, Using Trusts in Tax Planning, and CICA Advanced Tax Issues.
John has been a member of the Toronto Estate Planning Council since 1979, and served as the Council’s President in 2002/2003. He is also a member of the Canadian Tax Foundation and of the international Society of Trust and Estate Practitioners (STEP). John has been a guest speaker and/or chair of many tax conferences and seminars for the Canadian Tax Foundation, The Strategy Institute, Insight Conferences, and other organizations. He has also written numerous articles and has been frequently quoted by the media in the Globe and Mail, National Post, and Financial Post Magazine, and appeared several times on CBC Business World. In 1997, John left public accounting to go into the investment management business. In 2000, he joined Cumberland Private Wealth Management Inc. as a partner and client portfolio manager. John is a shareholder of Cumberland’s parent company, Cumberland Partners Limited, and he serves on the firm’s Board of Directors. His responsibilities include business development, as well as the day-to-day management of the investment portfolios of a number of affluent clients who are located in Canada, the United States, Bermuda and Europe. John lives with his wife and family in Toronto.For more information, visit: www.cumberlandprivate.com.