Cindy graduated from Trinity College at the University of Toronto in 1976 with an H.B.A. She obtained her CLU (Chartered Life Underwriter) Designation in 1984 and her CH.F.C. (Chartered Financial Consultant) designation in 2002. Cindy’s company Cindy Bowden Insurance & Benefits helps owner managers integrate their insurance coverage for personal, business and employee needs. She also counsels individuals in their retirement years. Cindy has been a member of LUAC/CAIFA/Advocis since 1979 when she entered the business as an independent advisor. She is immediate Past Chair of the Board of Trustees of the CLU Institute of Canada and served on the on the Board of Directors for The Financial Advisors Association of Canada (Advocis) from 2006 to 2008. She has been a member of the Million Dollar Round Table since 1981 and has held numerous positions and chaired committees as a member of the Toronto and National Boards of LUAC as well as the Institute of Chartered Life Underwriters and Chartered Financial Consultants of Canada. She has been a member of CALU (Conference for Advanced Life Underwriting of Canada) since its inception in 1991 and was involved with CALU’s Group Benefits Issues Committee for many years. She was a member of the Board of Directors for St. Michael’s Hospital Foundation and created and chaired The Planned Giving Committee. Cindy chaired the board representing alumni and fundraising at Trinity College at the University of Toronto. She also chaired the School Council and the committee responsible for building a day care in her children’s elementary school. She is a member of the Estate Planning Council of Toronto and has been a speaker for CALU, the Million Dollar Round Table, the Canadian Bar Association, the Ontario Institute of Chartered Accountants, various life underwriters associations, and Ryerson.