The Value of Advice
We are independent financial advisors. We do not represent any specific financial institution or firm. We choose to be independent so that our recommendations can be based on what best serves our clients.
Once you've met us, and come to understand our recommendations, you may choose to engage in a working relationship with our team. If and when that happens, we will assist you to establish a well-balanced, properly structured investment and insurance portfolio. Manulife Securities Incorporated is our securities dealer. Under the Manulife Securities banner we offer a wealth of investments, providing us with plenty of room to customize our clients' portfolios.
Because together we have been in this business for 46+ years, we have strong relationships with several large insurance companies. Most insurance services fall outside the scope of Manulife Securities Incorporated and are administered with individual companies under Denroche & Co. Financial Planning & Wealth Management.
It’s not what we have in life, but who we have that matters. With the right Insurance solutions, you can protect the people you care about most with easy-to-understand options that offer peace of mind. We can provide educated advice and expertise for solutions tailored to your needs. Some of which include:
- Travel, Life and Health insurance
- Disability and Critical illness protection
Whether you’re investing for the first time, saving for the future or embarking on retirement, we can help you enjoy today while you prepare for tomorrow. Save, Invest and grow your wealth with strategies based on your unique priorities. We can provide educated advice and expertise in solutions such as:
- Registered retirement plans (RRSP, RRIF)
- Locked-in retirement account (LIRA)
- Registered education savings plan (RESP)
- Tax-free savings account (TFSA)
By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a legacy for your family or loved ones. Depending on your unique situation, there are different ways to achieve your estate planning goals, including business succession, wills, beneficiary designations, powers of attorney, insurance, trusts, tax strategies, and charitable gifts.
Planning for Retirement
To enjoy your retirement, you’ll need a steady source of income and a plan uniquely tailored to you. We'll help you understand where your money will come from and when you’ll be able to access it, so you can gain confidence in the potential to grow your future income stream. Whether your focus is travel, leisure, or reaching new goals, there’s one factor that plays a role in every successful retirement — good planning.
Group and Business Solutions
Find simple, cost effective and tax efficient plans to attract and retain the best talent. Stay competitive as an employer and keep your plan members engaged by helping manage their health and wellness. Whether you are a small or large business, we will meet with you to assess your needs and explain your options, some of these could include:
- Group benefits & Group retirement
- Group pension
- Competitive employee benefits
- Business and key-person insurance
Banking today is about instant access – whether you’re paying with a tap, transferring money, or depositing a cheque or looking for mortgage options. In a fast-paced world, you need your bank to keep up. Manulife Bank has flexible products that fit seamlessly into your day and help you achieve your financial goals.
How We are Paid.
As independent financial advisors, we are compensated for our work in a variety of ways.
If your personal financial portfolio is both designed and implemented by us, you will receive our financial planning services at no charge. The financial institutions whose products are used to implement your plan will pay us directly. Transaction fees may apply if you hold individual securities in your portfolio.
For qualified clients, based on a minimum account size, we offer a Fee based account called Premier, in which all fees and commissions are "wrapped" into a single quarterly fee. This fee is based on a percentage of the assets held in your portfolio resulting in lower overall charges and management fees.
For more information on services and solutions for your financial needs...
Understanding investment income
When it comes to taxation, not all investment accounts are created equal.
Insurance made easy
Getting the protection you need is faster and simpler than ever before.
Build a business succession plan well before it’s needed