Young couple just starting out.

Planning for the Future

Determining what's important to you and how we can direct your financial resources toward your goals — while still enjoying life along the way.

A family with kids.

Managing Your Financial Plan

Adjusting your financial plan as your life and financial resources change.

A retired couple and their loved ones.

Retirement

Planning for retirement while living life along the way takes some time and expertise. This is where we can help.....

Investing

Building and Protecting Your Wealth

We use a unique approach and different products and strategies to protect and build your wealth.

Once we’ve identified what is important to you, there are 5 basic values we respect when we create your investment plan:

  1. To protect and grow your money, we use top performing fund managers from the reputable fund companies with proven track records.
  2. Where more safety is needed, we use guaranteed investments to protect principle and/or for estate planning needs.
  3. To create more after-tax income for clients, we find tax-efficient ways to invest and protect your portfolio.
  4. We protect your family and your financial plans for the future by “crash testing” your investment plan and providing cost-effective solutions.
  5. To help your life savings go further, we help you save money by providing ways to be more cost effective with your banking and borrowing.

Once we have your initial financial plan is in place, we determine the right investments to build and protect your wealth. Then we monitor progress to plan and make adjustments according to changes to what’s important to you.

We offer top performing mutual funds and GICs through investment accounts at Manulife Securities Investment Services Inc.

Through Manulife Financial, we offer:

Through Manulife Bank and Manulife Trust, our clients have access to:

Annually, we review your risk tolerance to ensure your portfolio still matches you and your circumstances. We review the portfolio’s performance, its progress to plan, how it is protecting your capital and discuss any anticipated changes.

For services outside our field of expertise, we have an excellent group of professionals, we happy to recommend to you.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Here are 5 simple “rules of thumb” about insurance and investing…

Creditor insurance - the insurance banks offer to protect loans and mortgages - is often more expensive that individually owned insurance policies. The insurance only covers the balance of the loan and yet the premiums remain the same through out the life of the debt!

Disability insurance is probably the most important protection for your family. It protects the cash flow that your financial future depends on and you are 10 times more likely to have a disability during your working life than to die.

Life insurance - How much is enough? If you are protecting your family, it should be enough to pay off your family debts, provide burial/estate costs ($20,000) and replace your take home pay through your spouse's retirement (take home pay divided by 7%). For a 45 year old non-smoking couple, they can each be covered for $500,000 for under $100/mth.

Saving - It doesn't matter how much you make....It matters how much you save! Aim for 10% of take home pay even if you have to start at 2-3% and add 1% everytime you get a raise or bonus.

Hate budgetting? Pay yourself first by aligning your automatic investment contributions and bill payments to your pay days. What's left is yours to spend.

Manulife’s IncomePlus

Now there’s an investment solution to help manage the concerns and challenges you have for retirement – IncomePlus

http://www.manulifeincomeplus.ca

Financial Calculators

Get a better handle on certain financial scenarios using these financial calculators from Mackenzie Financial.

http://www.mackenziefinancial.com/en/pub/tools/calculators/index.shtml