Many Canadians know that they need to save and invest for their retirement, but find it almost impossible to do so, because of the daily demands of raising their families and earning a living. Moreover, for anyone who does not have an education or background of experience in the financial industry, the apparent complexity of the task can be overwhelming. It is no surprise therefore, that many Canadians turn the management of their retirement savings over to professional portfolio managers and, while they hope for the best, the results are often disappointing. Bruce spent over four decades working as a consulting engineer in a very competitive industry, leaving him with little time for any other activity. In addition, none of the companies he worked for offered retirement benefits, so he was entirely responsible for saving and investing for his own retirement. Fortunately, he enjoyed finance and investing and over the years completed several courses and read over 100 books on the subject. He attempted a variety of investing approaches, but eventually found that the most effective strategy was that used by Warren Buffett and several other well-known and successful money managers. Their primary strategy was to buy the common shares of a small number of financially successful public businesses that had a record of paying and growing their dividends over many years. Historical data demonstrates that such companies will provide patient investors with a reliable source of income from both an increasing stream of dividends and the capital gains associated with the increasing dividends; while minimizing share price volitivity. Bruce followed this strategy successfully and is convinced it will appeal to anyone with limited time and investing experience. The approach described in this book was written specifically for Canadians who want their retirement savings to provide a reliable income; while minimizing their risk of losses. Written in simple and forthright language, the book cuts through a maze of financial jargon and products and describes a simple and effective approach for managing your retirement portfolio effectively.