I was born in Edmonton and lived in different places in Alberta and Saskatchewan due to my father's frequent relocations related to his work as a clergyman. After graduating from The University of Alberta in Edmonton in 1970 with a B.Sc. degree, I served as a "volunteer" math/science teacher in Cameroon, West Africa for two years. Following this short-term assignment, I spent nine years in Micronesia on the incredibly beautiful tropical Pacific islands of Yap, Belau, and the Marshall Islands, where I taught in various high schools. During this period, I married Penny in 1975, and we were blessed with three sons: Chris (1977), Wes (1978) and Lionel (1980). In 1981 we moved to Honolulu Hawaii where I completed an M.B.A. degree in International Finance at the University of Hawaii Graduate Business School, after which I worked in Hawaii for an international consulting firm for two years. Our fourth son, Neil, was born in Hawaii in 1984. We returned to Canada in 1985, and I soon began work in the Vancouver office of a national investment consulting firm, SEI. In 1996 I was invited to join Montrusco Bolton Investments, a national investment management firm, when they opened their Vancouver office. As a Vice President, my primary responsibility was to market the investment products and services of our firm and to provide client servicing. This relationship ended in September 2003 when the company closed its Vancouver office. Currently I work in a very specialized consulting group within RBC Dexia Investor Services providing investment performance and portfolio analytics consulting to large pension plan and endowment/foundation clients.