The Value of Advice
Your world is constantly changing and understanding how or if it affects you can be overwhelming. That’s why the value of advice is more important than ever before. We will work together to identify what's important to you, and help set your goals to give you the confidence in a plan that meets your needs today and for your future.
Asset Management and Investment Solutions
Wealth management includes a well-defined investment philosophy, commitment to risk management, and:
- Helps define your goals, risk tolerance, time horizon, and constraints
- Applies a disciplined investment approach
- Is based on your unique goals and objectives
Risk Management and Insurance Solutions
We help people protect what is important to them. Once we conduct a thorough needs analysis, we can provide educated advice and expertise for solutions tailored to your needs. Some of which may include:
- Life Insurance (term and permanent)
- Disability or Salary Insurance
- Critical Illness protection
- Mortgage Insurance
- Insurance Without Medical Exams
Retirement Planning
When dealing with a licensed financial planner, you are offered strategies to help you become retirement-ready by discussing questions like:
- How much income is needed for the retirement you aspire to?
- How can you save enough to fund your retirement?
- How can you reduce taxes during retirement?
- When should you start taking your government benefits?
Tax and Estate Planning
As we work together to assess your current reality and plan for tomorrow today, we recommend strategies that can reduce your tax burden, as well as ensure to protect your estate and leave a legacy for your family and loved ones. We can help:
- Reduce your taxable income during your lifetime or upon passing away
- Explore income splitting strategies
- Take advantage of tax deductions and credits available to you
- Solutions to help maximize your estate’s value
- Multigenerational wealth planning and transfer
- Will planning and beneficiary designation
- Advice on investments and account structure
Legal Aspects
A licensed financial planner has good general knowledge of the legal field. He takes your rights and obligations into account when he offers you financial planning advice.
Overall, the legal environment affects everything related to:
- Civil status
- Matrimonial regime
- Protection mechanisms for minors and adults incapable of giving consent
- Various types of mandates and powers of attorney
Financing Services*
When looking for financing through a financial institution, your main priorities should always be efficiency, flexibility as well as a great rate.
With Manulife Bank being a virtual bank, all of these factors are met. Especially the rates which are some of the most competitive on the market.
We offer financing services when you desire to :
- Buy a property
- Refinance your property
- Use the equity on your home
* Financing Services: Offered through referral arrangement by Manulife Bank of Canada