Financial, Fiscal and Estate Planning

How do you know if your dreams are attainable and what they will cost you? What investments should you put into your RRSP and how much should you put outside of an RRSP? Are your financial records up to date? These are not simple questions, especially when they usually involve so many factors. How can you plan properly if you don’t take everything into consideration? And how can you figure out where you are and where you’re going?

A financial planner can help you get a clearer picture. It’s our job to assess your financial situation objectively!

Personal financial planning integrates services from the areas of estates, finance, insurance, risk management, investments, legal aspects, retirement, and taxation.

We will guide you in making the best decisions to help you realize your life’s goals and dreams.

A financial plan is a road map to your financial future. It will guide you step by step on all your life events.

The role of a financial planner is to guide you through the financial planning exercise by helping you develop a strategic action plan that is wholly adapted to your personal situation, needs and takes your constraints, life dreams, and goals into account. Your planner will devise realistic strategies and suggest coherent measures to enable you to attain the goals you have set for yourself. With your input, your planner will set out valuable guidelines that allow you to keep track of your financial progress and make the right decisions at the right time.

Individual and Family Insurance

You have insurance right? You insure your car, your home, and all the stuff inside. But are you sure you’re protecting what’s most important to you? 

Last-minute expenses, medical, education funds, living expenses, debts, mortgages, taxes, and funeral costs

How will you fund them if you are no longer there?

Life insurance.

Know your options:

Help protect your loved ones and provide financial security with life insurance. Whether you want help covering final expenses or building a legacy, you can protect your family or business with affordable Term, Whole life, or Universal life insurance.

Universal life insurance

A great compliment to your estate planning, retirement (RRSP) planning, tax deferral strategies, intergenerational wealth transfer with a wide choice of investment options within a tax-efficient life insurance solution.

Term life insurance

Your beneficiaries receive a tax-free, lump-sum benefit after your death with affordable term insurance solutions.

Participating and non-participating whole life insurance

Whatever your age, health or history, protect the financial security of your loved ones with a wide choice of affordable life insurance solutions.

Guaranteed issue life insurance

Are you getting turned down for insurance because of health issues? Do you feel as though you’ll never find insurance? Are you familiar with guaranteed issue life insurance?

Living Benefits

Most Canadians that become sick, seriously ill, or disabled never thought it would happen to them.

Don’t leave it to chance.

Know your options:

Help protect yourself and your family from regular health and dental costs, as well as the expenses associated with disability, critical illness and long term care.

Critical illness insurance

If you’re diagnosed with a critical illness, focus on recovery with support from a critical illness insurance solution.

Disability insurance

Protect your family from an unexpected illness or accident that leaves you unable to earn an income with a Disability Insurance Solution. Protect what is most valuable, your capability of earning an income. 

If you are a student or a new grad in select professions, then you should consider the Grad Advantage Program from Manulife designed specifically for you.

Health & dental insurance

Get affordable health & dental benefits for yourself & your family. Flexcare® DentalPlus™ Enhanced plan may be right for you if you want to cover routine and more extensive dental work, including root canals, and don’t need to cover prescription drugs.

Travel insurance

Your options for travel insurance: 

 



 

 

Emergency and travel health expenses can be costly. Make sure to have the right travel insurance plan before your next trip whether you’re traveling to any of the other provinces or across the border. 

Click here for the Government of Canada Officiel Global Travel Advisories

Savings and Investments

We realized that Canadians were planning and investing based on emotions and not on fundamentals.

In an ever-changing and complex financial services world, we are committed to recommending high-quality investment products from the leading financial institutions that provide long-term value.

Our mission is clear. We help individuals to discover solutions to build, protect, preserve, enjoy their retirement, and transfer their hard-earned wealth to their loved ones since 1987.

We achieve this through the know-how of our people, resources and by contributing to the success of our clients through value-added services and by continuous investment in the improvement of our technical and managerial competence.

  • When was the last time you reviewed your investment portfolio with your advisor?
  • Are you satisfied with your current performance?
  • Do you have your plan in place?
  • Do you know which plan best suits your profile?
  • Are you saving for and funding post-secondary education?
  • Are you saving for a short-term project?
  • Are you saving for retirement?
  • What are the many ways to fund your retirement?
  • What to do when you are ready for retirement?
  • Did you know that time is your best ally?

Let us try to avoid retirement savings mistakes by building a strong advisor-investor partnership.

Why work with a Financial Planner or Financial Security Advisor?

Managing your investments can be complicated. You may not be comfortable investing on your own. A Financial Planner or Financial Security Advisor can help.

A planner or advisor can create a detailed financial plan which involves:

  • assessing your current situation
  • reviewing your current investment portfolio
  • determining your present and future goals and needs
  • giving expert advice on the financial products that are right for you
  • working with the industry’s leading portfolio managers with major assets under management firms
  • building the optimal model investment portfolio that best matches your profile
  • minimizing risk and maximizing your performance
  • reviewing and updating your investments periodically

Choosing the right Financial Planner or Financial Security Advisor depends on the type of assistance you need. If you need specialized advice, look for an advisor with expertise in that area.

Choose one that you’re confident with and has the experience and expertise to help you reach your financial goals.

We provide exclusively segregated investment funds with the following advantages:

  • Death benefit guarantees at expiration
  • Guarantee reset options
  • Beneficiary designation
  • Private domain
  • Potential creditor protection
  • Savings by reducing legal probate, accounting and administrative fees