Sébastien has been working in the financial services industry for 20 years. For the last decade or so, he has been a fee-based financial planner, financial security advisor and pension and insurance advisor for Francs Conseils Inc., his financial services firm. He holds the CFA designation and a Master’s in finance (M.Sc.). Sébastien lectures on financial planning, pension plans and corporate and market finance at the Université du Québec à Rimouski. He is the author of the book L’investisseur zen published by Québec Amérique. Sébastien has been featured on a number of TV and radio shows, and has given many conferences and workshops. He is a contributing author for newspaper and magazine articles on personal finance, his specialty.