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The Best Financial Services for the Most Vulnerable at the Least Cost. A founding director of FPAC and Senior Financial Planner to the Public Trustee, Attorney General of Ontario. Building bridges to cross the chasm from financial exclusion to financial inclusion. Financial planning and consumer-driven banking (open banking) working together to serve this community. A financial planner, trust and estate practitioner, discretionary portfolio manager and private banker. CIO, CFO and COO roles in government and social enterprises.