Mark Arruda, James W. Kraft and Jeffrey H. Waugh

Mark Arruda, BMath, FCIA, FS, CERA, is assistant vice-president, strategic business development & marketing actuary for Sun Life Financial. James W. Kraft, CPA, CA, MTax, CFP, FEA, is estate & insurance advisor, vice-president, BMO Nesbitt Burns Financial Services Inc. Jeffrey H. Waugh, B.Phil, LL.B, CFP, CLU, is director of wealth & insurance tax solutions at Sun Life Financial.