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PUBLISHER MANAGING EDITOR GRAPHIC DESIGN CONTENT COORDINATOR Carle Publishing Inc. Erika MacLeod Carmen McKay Stacey Cowperthwaite CONTRIBUTORS Gary Vaynerchuk Gretchen Rubin Tony Rubleski Adam Grant Jordan Belfort Ann Handley Verne Harnish Jessica Van Der Wal Tony Hayes Ken Veach Erin Ewig ADVERTISING (Local) PHOTOGRAPHY All images sourced from Carle Publishing Inc. or iStockphotos.ca unless otherwise identified. Head Office 301-841 Cliffe Avenue Courtenay, BC V9N 2J8 Ph: 250-338-3355 • Fax: [phone] waypointinsurance.ca Waypoint Insurance Risk & Business Magazine TM is published by Carle Publishing Inc. All content, copyright © 2018, Carle Publishing Inc. All rights reserved. Risk & Business Magazine TM is a valued and recognized trademark of Carle Publishing Inc. This publication may not be reproduced, all or in part, without written consent from the publisher. Every effort has been made to ensure the accuracy of all content in this publication, however, neither the publisher nor Waypoint Insurance will be held responsible for omissions or errors. Articles, reports and information contained herein reflect the views of the individuals who wrote or prepared them and do not necessarily represent the position of the publisher or Waypoint Insurance. The material herein is intended for educational and informational purposes only. Nothing herein is to be considered the rendering of insurance advice for specific cases or circumstances. Communication of any legal information contained herein does not constitute an attorney-client relationship, nor convey legal advice or recommendation of any kind. Do not rely on information contained herein to replace consultation with qualified  brokers, attorneys or other professionals in your jurisdiction.” Please address all editorial and advertising inquiries to Carle Publishing Inc., Email: [email protected]. Carle Publishing Inc. is not held responsible for the loss, damage or any other injury to unsolicited material (including but not limited to manuscripts, artwork, photographs and advertisements). Unsolicited material must be included with a self-addressed, overnight-delivery return envelope, postage prepaid. Carle Publishing Inc. and Waypoint Insurance will not give or rent your name, mailing address, or other contact information to third parties. Subscriptions are complimentary for qualified individuals. CARLE PUBLISHING Toll Free: [phone], Fax: [phone] Email: [email protected] Website: carlepublishing.com