For small business owners and people making investment decisions, who you listen to matters a lot. "A little knowledge can be a dangerous thing," agrees entrepreneur Derek Polcyn.

Derek is President of InvestWELL Financial Inc. (www.investWELLFinancial.com), a private and completely independent firm that provides accurate, unbiased and easy-to-understand financial information. Derek's team serves two groups of clients: People who invest on their own and people who have an investment advisor but want to learn more from an independent source.

Derek started his own business to help people make intelligent investment choices. "There are a lot of people out there who know something about investing," he explains. "Unfortunately, so much of what they know is not true. Many advisors don't take the time to educate clients; instead, they focus on selling products that are profitable for investment companies but not optimal for investors."

He's certainly qualified to give financial advice. In addition to an MBA, Derek holds some of the most prestigious professional designations in the investment industry, including CFA (Chartered Financial Analyst), FRM (Financial Risk Manager) and CIM (Canadian Investment Manager). For two years, Derek was part of a team at the Ministry of Finance responsible for managing Canada's Foreign Reserve Fund, today valued at $38 Billion US.

Knowing a thing or two about finance, Derek obtained a TD Venture Line of Credit Visa^® Business Card in the name of his company. "I want to build a credit history for my business that's separate from my personal credit rating," he explains. "Building credit for your company carries many long term benefits. A solid business credit record will help us to obtain expansion financing in the company's name and allow us to embrace future opportunities."

He was also attracted to the convenience and flexibility of a TD Venture Line of Credit Visa card. "Despite the best laid plans, a small business owner sometimes needs ready access to cash to cover unforeseen expenses," Derek comments.

Meanwhile, he's recently taken advantage of his card's high credit limit to purchase office equipment such as a printer, scanner and furniture.

His advice for other new entrepreneurs makes good economic sense. "Run your business as if it will operate forever," he recommends. "Clients will appreciate your long term investment in them."