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 contribut...