Client Resources & Educational Tools


Estate Planning Resources

Will Planning Checklist

There are many decisions you will have to make when you draft a Will. If not thoroughly considered, some of these decisions can have unintended consequences.  Here is a checklist of some of the issues that should be discussed before you make your Will:

Personal Record Keeper

Take the time to document the important information in your life, such as your household accounts, savings and insurance plans, and who your professional advisors are. Not only is this a convenient way to keep a better handle on your personal and financial information, it also becomes an invaluable tool for your loved ones should anything happen to you.

Executor’s Handbook

When you become an Executor you are really becoming a legal Trustee with all the rights and responsibilities that come with that position. This handbook provides you with a solid overview of estate settlement and will hopefully provide you with some useful information and tools to expedite your responsibilities in a timely and competent fashion.

Intelligent investing

In theory, the value of an investment is based on fundamentals – the strength of the underlying business.

But in reality, human psychology can play an even bigger role in determining prices.  When a market cycle turns and investors seek liquidity, even the strongest businesses tend to be sold off.   Learn more about why your emotions should stay in check even when markets cycle.

Income splitting and attribution rules

Income splitting is the loaning or transferring of money to a lower-income person (for example, a spouse, common-law partner or child) so that the income or gains from investing the money are taxes at a lower tax rate, which decreases the overall tax burden of the family unit.  Read more.

Remaining focused in today's market environment

In periods of market volatililty, a look at history may offer insights into the benefits of long-term investing.  Click here to learn more.

All about RESPs

The Basic Canada Education Savings Grant (and other government grants) and tax-deferred growth make RESPs an attractive way to save for the rising cost of a child's education.  Learn more.

Understanding Investment Costs - A Primer for Investors

 

 

The ins and outs of cash flow from a mutual fund

Many investors today seek out mutual funds with income-producing features, but how do you know which product is right for you? Read more.

Market volatility is nothing new

Over the last 25 years, there have been many reasons not to invest in the markets. Yet history has rewarded those who look past these reasons and stayed invested for the long term. Read more.

CPP Income Planning Guide

The Canada Pension Plan (CPP) is a mandatory contributory retirement plan that provides you with an inflation-indexed retirement pension, generally beginning at age 65. Read more.

Estate Planning

If you have accumulated assets during your lifetime, you likely will want to ensure that wealth transitions cost effectively. Read more.

Guide to passing on wealth

Planning for death is difficult, because it’s an emotional topic. However, to preserve wealth, it’s important to employ a checklist to enable a thorough discussion and encourage trigger questions. Read more.

Top 20 reasons for professional financial advice

Did you know that individuals who work with a financial advisor have a net worth 4.2 times higher than those who go it alone? Read more.

Executor’s Handbook

When you become an Executor you are really becoming a legal Trustee with all the rights and responsibilities that come with that position. This handbook provides you with a solid overview of estate settlement and will hopefully provide you with some useful information and tools to expedite your responsibilities in a timely and competent fashion. Read more.

Will Planning Checklist

There are many decisions you will have to make when you draft a Will. If not thoroughly considered, some of these decisions can have unintended consequences.

Here is a checklist of some of the issues that should be discussed before you make your Will:

Why the smart money remains fully invested

Some investors feel they have enough information to time the market, waiting for the perfect moments to enter and exit.

If this sounds like you, there something you should know. While you’re sitting on the sidelines, some of the market’s best single-day performance could slip right by you. 

Read More

Remaining focused in today’s market environment

In periods of market volatility, a look at history may offer insights into the benefits of long-term investing. 

Read 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. 

Read more

Manulife Bank

Manulife Bank is a Schedule I federally chartered bank and a wholly-owned subsidiary of The Manufacturers Life Insurance Company.  Established in 1993, it was the first federally regulated bank opened by an insurance company in Canada. Manulife Bank was created to support the sale of the parent’s core products and assist financial advisors in providing fully integrated financial plans to their clients.

Leveraging the Internet and cost-effective telephone banking technologies, Manulife Bank provides its customers access to their bank accounts 24-hours a day, seven days a week. Today, Manulife Bank manages more than $22 billion in assets and serves clients across Canada in all provinces and territories.

To learn more, click here.

Manulife Securities

At Manulife Securities, we believe there is no better way to serve the needs of Canadian investors than by providing access to independent, unbiased financial advice. Through a network of almost 1,300 advisors located in communities from coast to coast, we can offer an array of solutions and a comprehensive suite of financial products and services to help you invest for your future.

Manulife Securities has $34.4 billion in assets under administration (as of January 31, 2017) and is a wholly-owned subsidiary of Manulife Financial – a leading Canada-based financial services group with principal operations in Asia, Canada and the United States.

For more information on Manulife Securities, click here.

Manulife Asset Management

Manulife Asset Management is the global asset management arm of Manulife Financial. They provide comprehensive asset management solutions for pension plans, foundations, endowments, financial institutions and other institution investors worldwide, as well for Manulife and John Hancock’s wealth management and retirement products.

With offices throughout North America, Asia Pacific and Europe, Manulife Asset Management delivers investment expertise across a broad range of asset classes including equity, fixed income and alternative investments such as real estate, timber, farmland, as well as asset allocation strategies.

To learn more, click here