The ultimate goal of the universe is to show the glory of God. I pray for this book to make a difference in many lives, guiding and giving hope in all the financial seasons of your life (Isaiah 43:7). Cheryl Maclean is president of C. R. Maclean Insurance and Financial Services Ltd. Cheryl has been working in the financial services industry since 1996, currently with Sunlife Financial. Cheryl has had more than eighty-two clients pass away and sees the value of life insurance funds at such a devastating time in families' lives. Her first claim was a family member. Cheryl has advised clients about their money through prosperous times and difficult times. She has seen her clients through terminal illnesses, so she felt it was time to write this book to give people guidance and a hope for a future, no matter what season of life they're in and no matter what is going on in the world. Cheryl is married and has one child, three stepchildren and one grandchild. She currently lives on Vancouver Island in Canada.