PATRICIA LOVETT-REID, CFP, is a Senior Vice President with TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank. She is the host of MoneyTalk, a weekly call-in program on Report on Business Television and is one of Canada's leading authorities on wealth management. She also holds an Honorary Fellow of the Canadian Securities Institute (FCSI)designation in recognition of her commitment to helping educate Canadians about investing and personal finance.