In today's explosion of financial commodities, anyone requiring guidance and clarification on this subject would be well-advised to engage the services of an independent Financial Adviser, and, in my opinion none better than Michael Barr & Co. Ltd. I make this acclamation from personal experience since 1988 to present day, I have received honest, courteous, straightforward advice on numerous aspects of financial planning. Their genuine concern is that each client is given clear and concise information relevant to their individual needs. These are then processed and monitored accordingly. Over the many years I have been associated with Michael Barr & Co. Ltd. the results have been financially rewarding due to their excellent planning strategies.