Copyright

Copyright © Frederick Vettese, 2020

All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form by any process — electronic, mechanical, photocopying, recording, or otherwise — without the prior written permission of the copyright owners and ECW Press. The scanning, uploading, and distribution of this book via the Internet or via any other means without the permission of the publisher is illegal and punishable by law. Please purchase only authorized electronic editions, and do not participate in or encourage electronic piracy of copyrighted materials. Your support of the author’s rights is appreciated.

Cover design: David A. Gee

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The material in this publication is provided for information purposes only. This publication is sold with the understanding that none of the author, the editor, or the publisher is hereby rendering specific professional advice. If professional advice or other expert assistance is required, the services of a competent professional should be sought.

Library and Archives Canada cataloguing in publication

ISBN 978-1-77041-602-4 (softcover)

The publication of Retirement Income for Life is funded in part by the Government of Canada. Ce livre est financé en partie par le gouvernement du Canada.