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We provide our clients personalized tailor made financial solutions to suit every unique individual needs.

Know the Cost of your Registered Investor Adviser

Explaining two new sections on your Manulife Securities account statements

Your December 31, 2016 account statements from Manulife Securities will include two new sections. One explains how your account's rate of return is being calculated, and the other helps you understand the commissions you pay on your account holdings. Click here to take a look at a guide that explains these two sections in more detail, and please get in touch if you have any questions at all.

The value of advice

In an effort to stay healthy, you make seeing your doctor a priority. Your doctor knows your medical history and, if there is a problem, can recommend a course of treatment. The same concept applies to your finances – regular checkups with an advisor can go a long way towards improving your financial health. Whether your goal is to reduce debt, buy a house, save for retirement or simply pay the bills, you don't have to go it alone.

Regardless of your stage of life or amount of wealth, you can benefit from the professional counsel and services of an advisor. In fact, 71 percent of advised households started working with an advisor when they had less than $50,000 in investable assets.1Milestones such as buying a first home, starting a new job or having a child are all good opportunities to address new financial needs and begin working with an advisor.



Start with a consultation

An advisor starts by understanding your objectives and doing a thorough analysis of your complete financial situation. Next, he or she will work with you to put a strategy in place to help reach your goals. A comprehensive plan allows you to balance today's needs with your goals for the future, easily adapt to changes in circumstance and plan ahead for emergencies, as well as helping you be in control of your financial well-being.

An advisor may be able to help by doing some or all of the following:

  • Creating a disciplined savings strategy including cash flow planning and debt management
  • Designing and implementing a customized investment strategy
  • Proposing tax reduction strategies
  • Facilitating will and estate planning
  • Reviewing and recommending insurance products, including life, disability and critical illness
  • Providing access to a network of professional resources such as accounting and legal services


A prescription for long-term success. As you develop your plan, it's important to be realistic about your expectations. An advisor won't magically make your debt disappear or guarantee double-digit returns on your investments. He or she will, however, provide ongoing support and guidance so you can remain focused on your goals through the ups and downs life throws your way. The Value of Advice Report 2012 by the Investment Funds Institute of Canada found that households that receive financial advice are:

  • 1.5 times more likely to stick to their financial decisions
  • More confident about their financial future
  • More than twice as likely to participate in Registered Retirement Savings Plans, Registered Education Savings Plans and Tax-Free Savings Accounts

As you can see, those who work with an advisor have a clear advantage –both in terms of increased financial benefits and level of confidence about their overall finances.

Regular checkups: Your financial well-being depends on them

Getting started early on with an advisor and scheduling routine reviews can provide a considerable financial advantage in the long run. Be sure to ask questions and get the information you need to feel a high level of trust and comfort. After all, the healthiest and most rewarding relationship is one that will benefit you not just today but well into your future.

1 Claude Montmarquette and Nathalie Viennot-Briot, Econometric models on the value of advice of a financial advisor, CIRANO, July 2012.

Premier Investment Program

The Premier Investment Program is a fee-based account that offers a range of investment services and the ability to hold a wide variety of investment products including mutual funds and individual stocks and bonds. Virtually every investment offered at Manulife Securities can be held in a Premier plan.
In addition to transparency, objectivity and accountability ­– the hallmarks of a fee-based account – the Manulife Securities Premier Investment Program can benefit my clients in a number of ways:

  • You pay for advice, not trades – transactions are incidental and are not the differentiating factor in assessing the value I offer
  • Advisor compensation is completely transparent and agreed upon, and because the costs associated with trades or other services are reduced or eliminated, you can fully understand what you’re paying for your investments

The fee-based solution provides the medium for developing a strong, customized portfolio at a cost that is generally less than the cost associated with traditional mutual funds.

  • Fees can be paid outside of your portfolio; this means your portfolio return need not be reduced to pay fees and assets can grow faster
  • When a fee is paid for investment advisory services on a portfolio outside of an RRSP, the fee is generally tax deductible
  • Because compensation can be based on portfolio value, fees will rise or decline based on the performance of the portfolio; this assures you that my primary interest is the growth of your portfolio

To learn more, please click here or contact me.

How your rate of return is calculated

Many clients wonder how the rate of return on their statements is calculated. Here's a short piece that explains how Manulife Securities calculates rates of return on its clients' holdings. Feel free to get in touch if you have any questions after reading this.

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