Top Picks include 3 bonds, short term, medium term and long term. 6.4% 11/2039 bond. (Long term) This is a company that he feels comfortable with. Have good traction and are gaining market share.

7.25% Feb/17 bonds. Good idea to trade lower grade bonds to minimize risk? These are junk (BB’s) bonds. Makes sense to trade down to pick up additional yield but you don’t want to get too far down the credit structure such as CCC’s. Pretty stable company.

Capital Trust II bonds callable 12/31/2012 due 2025 with a 6.792 coupon rate. Likelihood of them being called on 12/31/2012? Very high probability as banks have always called them even during a crisis. Banks are over capitalized right now.

7.768% bond due 4/8/19? Risk currently is dilution. Doesn't see any default risk. Once company issues equity or reduces dividend there should be an improvement in these bonds. Fairly priced right now. Prefers buying lower dollar bonds.

Canadian corporate bond ETF. Individual investors need to have a diversified portfolio and ETF’s are a good way to go as they have lower management fees.

1-5 yr Ladder Corp Bond ETF. Individual investors need to have a diversified portfolio and ETF’s are a good way to go as they have lower management fees.

Corporate Bond ETF. Individual investors need to have a diversified portfolio and ETF’s are a good way to go as they have lower management fees.