Colin Ritchie, LLB, CFP, CLU, TEP, and FMA, is a Vancouver-based fee-for-service lawyer and financial planner who does not sell investment or insurance, just advice. He graduated from the University of Victoria's Law Co-op programme in 1996 and spent just under five years in private practice as a lawyer before transitioning into financial planning and successfully completing his Certified Financial Planning (CFP) designation. Mr. Ritchie has worked in Sun Life's Estate and Financial Planning Services Department, working his way up to the role as a Director of Financial Planning. While at Sun Life, he also acquired the CLU (Certified Life Underwriter) and FMA (Financial Management Advisor) designations.