User:War5cry

My name is Howard Cohen and I'm the senior partner of The Halcyon Group which is a Financial Consultancy specializing in income enhancement / replacement, financial planning, and certain specialized uses of life insurance, primarily for seniors.

I'm a macro-economist by education and a Chartered Accountant by profession

I speak English and French and am a contributor to several economic forums. I'm also a frequent commentator on a range of financial and economic topics.