Services
Cash and Credit Management
Cash and Credit Management
Cash and Credit Management
Discover Your Greatest Asset: You!
Understanding Your Human Capital: It's more than just earnings, it's the present value of your future financial potential. Have you ever calculated yours?
Let's explore your financial value together. Contact me for a comprehensive evaluation tailored to your unique situation.
Understand and allocate your finances towards your most cherished goals—be it family, entrepreneurship, or personal growth. Let's make your assets work for you.
Do you have a budget?
Clients get access to my free online – compliant, Canadian, secure, user friendly budget creating and financial planning software. Powered by Equisoft/Plan.
Complete banking solutions for personal and business needs.
Open a personal savings account today.
* Manulife Bank of Canada is a member of the Canada Deposit Insurance Corporation.
Insurance Solutions
Cash and Credit Management
Cash and Credit Management
Depending on an individual’s needs, desires and health condition, there are many types of insurance solutions. These include:
Life Insurance
Provides whomever you choose with a tax free, one time payment when you die. Depending on the type you may be able to access money in the policy for further financial security and flexibility while you are alive*. Types: Term & *Permanent
Disability Insurance
Provides a tax free monthly income if an injury or illness prevents you from working.
Critical Illness Insurance
Provides you with a tax free, one time payment if you are diagnosed with a serious illness. These illnesses will be defined by the contract, but some examples include cancer, stoke or heart attack. Return of Premium could be an option. Additional medical support may be included.
Long Term Care Insurance
Provides a benefit that helps cover the cost of nursing home fees or home care.
Health and Dental Insurance
If you don't have coverage through an employer, or an employer group plan doesn't have the coverage you want individual health and dental insurance puts you in control. Take your coverage with you, even if you have a change in jobs or in your health.
Travel Insurance
Cover your unexpected expenses wherever you travel.
Investment Services
Cash and Credit Management
Investment Services
Licensed Insurance advisors offer exclusive access to:
Segregated Funds
An investment that’s similar to a mutual fund. The main difference is that it offers a guarantee upon death and sometimes at fund maturity.
Diverse portfolios.
Potential creditor protection.
Privacy.
Annuities
Provides the security and predictability of guaranteed income payments for life or over a specific term.
Guaranteed Withdrawal Benefit (GWB)
When you invest in a GWB, you are guaranteed to receive a predictable monthly income that is guaranteed for as long as you live. It is always protected from market downturns and it will continue even if the value of your investment goes to zero. Empire Life’s Class Plus 3.0 is an example of this type of solution.
Guaranteed Interest Accounts (GIA)
A guaranteed return and more! A GIA is an insurance contract that pays interest at a guaranteed rate, like a bank-issued guaranteed investment certificate (GIC) also offering extras like tax and estate planning benefits, as well as potential creditor protection.
