Joe Barbieri has Bachelors' degrees in both Civil Engineering and Commerce from the University of Toronto. He has worked in the Financial Services field for over 13 years, with over 10 years on the institutional side of the business. He has covered positions from Fund Accounting to Investment Research on the consulting, investment manager and client side of the institutional table. He has worked for many companies including The Toronto Dominion Bank, State Street Bank, Russell Investment Group (Frank Russell Canada), Franklin Templeton Investments and OPSEU Pension Trust. Joe Barbieri holds a Chartered Financial Analyst (CFA) designation from the CFA Institute. He has published articles in 2009 in Pension and Benefits Monitor Magazine and on the Internet. He speaks as a guest on financial matters and also hosts The Qb Talk Show, which is a program discussing finance on Internet radio and Internet television. Contact me, Joe Barbieri by email at firstname.lastname@example.org, or by telephone at 647-286-8020 for an independent consultation on what your options are. Note: The information provided is intended for people who want to learn about the world of finance and how to research for themselves. If you would like to buy or sell investment products, or specific advice on investment products, tax or legal issues, please consult your investment advisor, accountant or legal counsel.