We believe that proper planning will provide a guided path in reaching your financial goals effectively and minimizing risks along the way.
Estate Planning
If you have accumulated assets during your lifetime, you likely will want to ensure that wealth transitions cost effectively. Read more.
The RRSP and home ownership
The home is the most significant asset for many Canadian households. It can bolster personal net worth, and when paid off, reduce costs of living in the future. 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.
Thinking of taking sabbatical?
Click here to learn about 'Deferred Salary Leave Plan' (DSLP).
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.
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.
The Funded Ratio: What it is and what's yours?
When it comes to your retirement, determining the size of your nest egg is key. On the face of it, it seems simple enough: your forecast savings plus any expected income from sources such as a pension, the Canada or Quebec Pension Plan and Old Age Security. But it gets harder when you need to determine if those accumulated funds will be enough to last you as long as you may live. Click here to learn more.
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.
Overview of multi-asset investing
Traditional Asset Allocation vs Modified Asset Allocation.
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.
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, bonds, etc. Virtually every investment offered at Manulife Wealth Inc. can be held in a Premier plan.
In addition to transparency, objectivity and accountability – the hallmarks of a fee-based account – the Manulife Wealth Inc. 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.
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Disclaimers: Manulife Wealth Inc. does not make any representation that the information provided in the 3rd Party articles is accurate and will not accept any responsibility or liability for any inaccuracies in the information or content of any 3rd party articles. Any opinion or advice expressed in the 3rd party article, including the opinion of a Manulife Wealth Inc. Advisor, should not be construed as, and may not reflect, the opinion or advice of Manulife Wealth Inc.. The 3rd party articles are provided for information purposes only and are not meant to provide legal accounting or account advice.