Services

Investments

Too much information on investing can cause confusion for our clients. We try to keep the business of investing simple, concise and understandable.

Together, we can find the right investment structure

Our process is straight forward, yet ensures your investments are appropriate for you:

  1. Determine your risk tolerance using a Risk Profile Survey.
  2. Invest to your risk tolerance.
  3. Diversify your Portfolio.
  4. Adjust to your time horizon.
  5. Protect your investments.
  6. Review your investments regularly with us.

We can help you choose the right investments

Our investment vehicles include:

Note: we are not licensed in Securities.

Because we have access to products from over 70 different companies, we can ensure that our clients have the right investment mix.

Some of the mutual fund companies we feature include:

For Guaranteed Investment products (GIC's):

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.

Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund.

Travel Insurance

For travel outside your home province or Canada you can choose between: emergency medical, Travel Canada, or All inclusive plans.

LuggageVisitors to Canada covers Canadians who are not eligible for a government health insurance plan; persons who are in Canada on a work or student visa; or new immigrants who are awaiting government health insurance plan coverage.
Get a quote or apply online.

Life, Disability & Critical Illness Insurance

How much protection is enough? We have the process, tools and insurance options that will ensure you have the right coverage for you.

Determining your insurance needs

  1. We first determine the immediate cash needs as well as mortgage and loans that must be paid.
  2. We then determine the amount of money required as income for your survivors. INSURE Right software adjusts for inflation, investment returns and the number of years the income is required.
  3. The amounts from Step 1 and Step 2 are added to get the Total Amount of Money Required in the event of death.
  4. Assets that you expect to be usable by your survivors are deducted.
  5. We then calculate your insurance needs (the difference between Steps 3 and 4)
  6. For insurance for lives that are inter-dependent such as through marriage or business partnership, we repeat Steps 1 to 5.

Life Insurance

Disability Insurance

The peace of mind that income protection can provide is available for professionals, business owners, business executives, and full-time, part-time or home-based workers. Whether you need to secure your main source of income or supplement coverage received from your employer or an association, we can help by providing a portable plan that you can rely on throughout your working years.

Critical Illness Protection

Living benefits are designed to alleviate the financial strain that can accompany a critical illness. It lets you and your loved ones focus on what really matters — recovery. Critical Illness insurance does not just deal with survival. It deals with something far more important — quality of life.

(Information obtained from Heart & Stroke Foundation, Canadian Cancer Society & Alzheimer Society of Canada).

Surviving a critical illness can create overwhelming medical & financial anxieties. Are you prepared?

Long Term Care

It has been said that the fear of dying too soon has been replaced by the consequences of living too long.

Canada's population is aging and we're facing increasing health care costs. What will the future hold for those who need long term care?

Long term care insurance may be the answer. It provides clients with the financial assistance to enable them to maintain their quality of life. Benefits can be used for the service and support required to maintain their day-to-day activities should a chronic illness or cognitive impairment keep them from being able to take care of themselves.

Travel Insurance

Planning a vacation, are you aware of the costs related to our of country medical emergencies?

Be sure to not only pack the sunscreen but also pack the peace of mind travel insurance can provide, from emergency medical only to family plans we can help.

Get a quote.

Supplemental Health Insurance

StethoscopeIf you are one of the millions of Canadians without an employee health plan - and therefore, vulnerable to health care expenses not covered by your Government Health Insurance Plan - supplemental health care coverage from Manulife Financial could be right for you. Flexcare covers you when your provincial health plan doesn't. FollowMe™ Health insurance allows you to continue enjoying health and dental benefits even if your employment benefits end. There's no need to worry about interruption of coverage for you or your loved ones.
Get a quote or apply online.

Home, Auto or Corporate Insurance

Hubbard InsuranceLooking for information about home and auto insurance? Our colleagues at Hubbard Insurance can help you out.
Visit their website.

Group Savings & Retirement

Our Group Savings & Retirement Solutions include:

We offer two comprehensive products in the defined contribution and investment only markets: Group Retirement Options (GRO) and Corporate Investment Options (CIO).

Manulife FutureStep

FutureStep is an affordable group retirement plan designed specifically for small businesses.  

Learn more about Manulife FutureStep

Group Retirement Options (GRO)

GRO is one of the most comprehensive, technologically-advanced products in the group savings market. With GRO, we provide group savings products that give employers and their employees the right solutions for retirement savings with significant value-added features:

Corporate Investment Options (CIO)

CIO is an investment-only management product for investing defined benefit assets administered by third parties. It is designed for corporate clients, offering the investment diversity only available through a multi manager approach. CIO provides both registered and non-registered plans and offers an extensive line of high-quality investment options - all in one contract.

Life, Disability and Critical Illness Insurance

How much protection is enough? We have the process, tools and insurance options that will ensure you have the right coverage for you.

Determining your insurance needs

  1. We first determine the immediate cash needs as well as mortgage and loans that must be paid.
  2. We then determine the amount of money required as income for your survivors. INSURE Right software adjusts for inflation, investment returns and the number of years the income is required.
  3. The amounts from Step 1 and Step 2 are added to get the Total Amount of Money Required in the event of death.
  4. Assets that you expect to be usable by your survivors are deducted.
  5. We then calculate your insurance needs (the difference between Steps 3 and 4)
  6. For insurance for lives that are inter-dependent such as through marriage or business partnership, we repeat Steps 1 to 5.

Life Insurance

Disability Insurance

The peace of mind that income protection can provide is available for professionals, business owners, business executives, and full-time, part-time or home-based workers. Whether you need to secure your main source of income or supplement coverage received from your employer or an association, we can help by providing a portable plan that you can rely on throughout your working years.

Critical Illness Protection

Living benefits are designed to alleviate the financial strain that can accompany a critical illness. It lets you and your loved ones focus on what really matters — recovery. Critical Illness insurance does not just deal with survival. It deals with something far more important — quality of life.

(Information obtained from Heart & Stroke Foundation, Canadian Cancer Society & Alzheimer Society of Canada).

Surviving a critical illness can create overwhelming medical & financial anxieties. Are you prepared?

Long Term Care

It has been said that the fear of dying too soon has been replaced by the consequences of living too long.

Canada's population is aging and we're facing increasing health care costs. What will the future hold for those who need long term care?

Long term care insurance may be the answer. It provides clients with the financial assistance to enable them to maintain their quality of life. Benefits can be used for the service and support required to maintain their day-to-day activities should a chronic illness or cognitive impairment keep them from being able to take care of themselves.

Travel Insurance

Planning a vacation, are you aware of the costs related to our of country medical emergencies?

Be sure to not only pack the sunscreen but also pack the peace of mind travel insurance can provide, from emergency medical only to family plans we can help.

Call us for a quote.

 

Retirement & Estate Preservation

It's never too early to think about your retirement. Whether you are just starting out, or are getting ready to wind down, we can help you grow and manage your retirement savings, as well as plan for all of the other aspects of retirement.

Retirement Planning

Our unique planning process, the Financial Fitness Solution™ can help you ensure you have a solid strategy in place to retire comfortably. We have investment vehicles through a variety of companies, which means we can ensure you have the right investment mix for you.

Our retirement vehicles include:

  • RRIF (Registered Retirement Income Fund)
  • LIF (Life Income Fund)
  • IPP (Individual Pension Plan)

More Information

Estate Preservation

Having a well-thought out estate plan can help you to avoid unfortunate situations in the future.

More Information

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

Financial Planning

Wouldn't it be great to have a written plan, so that regardless of what is happening in the market, at work, or in the world, you still feel confident that you will achieve your goals?

We help our clients understand what is possible and what needs to be done to get there — and feel confident all along the way.

Our Process - The Financial Fitness Solution™

Our unique and comprehensive financial planning process, the Financial Fitness Solution™ takes into account all of the relevant factors in your life and focuses on follow-through, ensuring that your plans will succeed, for life.

Financial Fitness Solution™

Plans for all aspects of life

We develop financial plans for a wide range of situations:

Manulife Securities Investment Services Inc. is registered as a Mutual Fund Dealer, or its equivalent, with the provincial securities commissions and as such our Advisors are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada ("MFDA"), Manulife Securities Investment Services Inc. is obligated to disclose to you that you may be dealing with companies other than Manulife Securities Investment Services Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Manulife Securities Investment Services Inc.: 



* Deposit Instruments: GICs, Canada Savings Bonds;
* Fee for Service Financial Planning; 

* Estate Planning; 

* Tax Planning or Income Tax Preparation;
* Insurance: Life, Accident, Sickness, Disability, General. 



Please be sure that you have a clear understanding of which company you are dealing with for each of your services and products. Your Associate would be happy to provide any clarification you require.