Death is a certainty - disability is a random chance which most people try to ignore. Yet your chances of suffering a disability before age 65 are greater than your chances of dying before age 65.

This book tells you how to prepare yourself, your family, friends, colleagues and clients, against the hazards of disability * and how to cope if disability strikes. Federal and provincial government plans, various insurance plans, private and public charitable foundations, all offer assistance to disabled Canadians who qualify. Make sure you understand what's out there in the event disability shakes your world....This book shows you how.

Like an iceberg, disability is large and complex, with most of its reality hidden beneath the surface. The impact on individuals, family and friends, is enormous. The adaptations to it are often deep, far-reaching, and life-changing.

Be prepared, then cope if a disability occurs. This book shows you how.

For more information please visit the Hit By an Iceberg website at www.hitbyaniceberg.ca

Janet Freedman, B.Sc, CFP., RFP, is president of Finance Matters Ltd., a fee-only financial consulting business.

Through her financial planning company, Janet Freedman provides unbiased advice and a complete range of financial planning services including tax preparation to a client base which varies widely in age, income and net worth.

Janet graduated from the University of London, England with a B.Sc. Janet's professional background included counselling, public relations, environmental consulting, research and teaching, prior to entering the Financial Planning profession in 1984.

She graduated from the Chartered Financial Planner course with honours (C.F.P.), and holds the Registered Financial Planner designation (RFP) from the Canadian Association of Financial Planners. She holds the Certified Financial Planner designation (CFP) from the Financial Planners Standards Council of Canada. She is a member of Advocis (the Canadian Association of Insurance and Financial Advisors), the Institute of Advanced Financial Planners (IAFP). She is also on the Board of Pueblito, and is a member of the Social Investment Organization and a consultant on ethical investing.

Janet's down-to-earth advice has been regularly quoted in The Financial Post magazine, Report on Business magazine, IE Money,The Toronto Star, the Globe and Mail and the Toronto Sun. She was a regular columnist on CBC radio's Later the Same Day, and regularly appears on television.

Marie Howes, B.A., CFP, RFP, PRP, is a fee-only personal financial consultant and trainer. She holds a B.A. in History and Political Science from the University of Victoria, B.C., and continued her business education at Carleton University, Ryerson and the University of Toronto. She is a graduate of the Canadian Institute of Financial Planning with a Chartered Financial Planner (C.F.P.) designation; and also holds the designations of Registered Financial Planner (RFP) and Certified Financial Planner (CFP). She founded her own firm, MoneySmart Inc., in 1982, and a related firm, Howes & Associates. Marie was granted the Professional Retirement Planner designation (PRP) in 1997 by the Canadian Association of Pre-Retirement Planners (CAPP).

She has had previous experience in the life and health insurance fields, in the general insurance, mutual funds, trust and stock brokerage industries and in financial counselling for executives and professionals.

Prior to entering the personal financial planning field, Ms. Howes was a public relations practitioner. Her PR experience includes writing and general public relations at the CBC and in the hotel industry.

In her capacity as a consultant, Ms. Howes counsels individuals in personal money management. As a trainer, she designs and delivers seminars and workshops for group sessions dealing with personal money management for employee development programs and for rightsizing and pre-retirement planning. She also provides financial counselling for EAP clients.

Ms. Howes has written about personal money management for the Toronto Sun, for The Financial Post Magazine; and the Toronto Star. She has often been interviewed on radio and TV and by newspapers and magazines. Marie was the founding editor of "The Canadian Financial Planner", the first professional journal of the Canadian Association of Financial Planners. She has also instructed financial planning courses at Erindale Campus, University of Toronto; Sheridan College, Oakville and Brampton.

She is a member of Advocis (the Canadian Association of Insurance and Financial Advisors), the Institute of Advanced Financial Planners (IAFP), the Ontario Society for Training and Development (OSTD), and the Canadian Association of Pre-Retirement Planners (CAPP).