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


Manulife Mutual Funds

Manulife Mutual Funds, a division of Manulife Asset Management Limited, builds on 125 years of Manulife Financial’s wealth and investment management expertise through a diverse portfolio of forward-thinking mutual fund products. Our experienced Portfolio Managers offer access to markets in Canada, the United States and around the world, in a range of investment styles to help meet individual needs. Manulife Mutual Funds is part of Manulife Investments, which offers personal wealth management products and services, such as mutual funds, segregated fund contracts, annuities and guaranteed interest contracts. 

For more information, please visit manulifemutualfunds.ca

Reach your financial goals

Building long-term wealth is simpler than you may think. Investing in mutual funds and working with an advisor can help you reach your financial goals.

Click here  to see some interesting facts and figures on this topic.

The anatomy of the Management Expense Ratio (MER)

Take a look at this short but informative piece from RBC Global Asset Management. It breaks down the Management Expense Ratio that mutual fund investors pay, and explains the costs that make up the ratio. Click here to learn more.

Understanding a mutual fund's Management Expense Ratio (MER)

As with any product or service you buy, it’s important to know how much you’re paying. In the case of mutual funds, it’s also important that you understand how that cost is determined. Click the image below to learn more about what a management expense ratio (MER) is and how it is calculated.

Fee-based investing

Gaining greater clarity on the costs of investing can help you make more informed decisions. Have you ever heard the term fee-based mutual funds and wondered what they are? You can learn more about these investments by clicking here.

Working with a professional financial advisor: Worth more than 1%?

Like many investors considering working with a financial advisor, you have probably asked: “What will I get for the fee I’m paying?” The simple answer: a professional dedicated to helping you stay focused on your financial plan to help achieve your financial goals.

Please click here to read more about the significant value you'll receive from working with a professional financial advisor.

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.

Mackenzie Investments' RESP Guide

Download this guide to learn more about how to invest in your child's future with a Registered Education Savings Plan.

Mackenzie Investments' TFSA Guide

Click here to download Mackenzie's guide to the Tax-Free Savings Account (TFSA).

Less tax, more money to invest

Take advantage of year-end tax strategies

No one likes paying more in taxes than necessary, especially when that money can be used towards elements of your financial plan, such as investments, that could benefit you over the long-term. Here are a few year-end tips to help trim your 2013 tax bill.

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Don't let negative events in the media make you react emotionally

Negative events in the media may cause people to react emotionally and lose sight of their investment strategy. In the
past three decades alone, there have been a number of events that may have kept investors on the sidelines. When you
look at the big picture, over the last 30 calendar years, the S&P/TSX Composite Index gained approximately 1316%
or 9% per year and 22 of the 30 years had positive returns. Click here to learn more.

Home sweet home?

Buying a home has always played a major role in financial planning and has long been viewed as a dependable, long-term investment vehicle. While real estate certainly has a place in a well-diversified stable of assets, the table below demonstrates that, over the past 20 years, investments in Trimark Fund and Trimark Canadian Fund have dramatically outperformed real estate. 

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Is your private corporation taking advantage of the Capital Dividend Account?

Much like individual investors, shareholders of Canadian Controlled Private Corporations ("CCPC") need to be concerned with minimizing taxes and maximizing the capital that eventually will be distributed to them. To learn more, please contact us or click here.

Home Economics: Comparing Canadian real estate to Canadian equities

Many Canadians think that historically, real estate has been a better long-term investment than equities. Looking back, however, the data suggests otherwise. Click here to see an interesting comparison of how the two asset types have performed over the past 20 years.

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