FISCAL AGENTS: Financial Services Group


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Money Matters
What you are able to do in retirement can be limited by your income. Retirement usually means a drop in income, so you may find that you need to be more aware of your expenses in order to keep your finances under control. Drawing up a budget lets you keep track of your expenditures, and can also highlight areas where you can cut back or make savings. Remember to regularly check that you are receiving all the benefits you are entitled to.


Taking advantage of the Financial Services Revolution

Since the early 1990's the Canadian banking sector has undergone a service revolution and has moved away from trying to satisfy all its customers with a "one-size-fits-all" approach, which didn't really fit. Instead, thanks in large part to new information technology and a greater ability to process information and data quickly, today's top banks can provide tailored financial services designed to meet the specific needs of each of its customers. So what does this mean for you? In a word: savings.


Financial fitness is a team effort
Recent studies say money is one of the leading causes of disagreements between couples. It also contributes to daily stress and can impact emotional and physical health. Taking a proactive role in your finances can help improve your overall quality of life. Here are some steps to help.


Financial Matters: Your locked-in retirement pension could relieve financial hardship
If you or somebody you know transferred any money from a registered pension plan into a locked-in retirement savings account, you may believe it must remain there until you can use it to provide retirement income. Moreover, did you know that in certain circumstances, you may be able to apply for access to the money?


Investment planning throughout the life-cycles: ABCs & 123's
We all remember saving our pennies for the Candy Store. Pocket money received for performing the odd jobs for mom around the house, taking the neighbour's dog for a walk, or delivering the local community newspaper helped maintain our sugary bliss. In such a small span of time we learned how to save for that special material goal - the candy bar. We hired ourselves to mom for odd jobs and/or found an outside source of steady income. Thinking back - remember how proud we were, on receiving our first pay cheque - our head a little higher and money in our pocket, and only 10 years old! Then adding money management and financial planning skills, we saved for the first big-ticket item - a new bike, and then into a lifetime of predictable financial life-cycles.


Attention Snowbirds: Talk finances before you take flight
Getting ready to leave the bitter cold of Canadian winters for the balmy beaches of the sunny south? By getting your financial affairs in order before you depart, you won't need to worry about a GIC renewal when you could be enjoying an ocean breeze.


Manulife One: Getting your money working for you
Have you ever given any thought to how hard the money in your bank account is working for you? If you have, you have probably come to the realization that, with the low interest rates, it really isn't doing very much at all. And for those with mortgages and other types of consumer debt that carry high rates of interest, one can't help but wonder if there isn't a better way. Now there is.


Ten steps to getting your plans in sync with your goals
Some activities, such as organizing your affairs, tend to slip through the cracks because people are not sure what exactly they need to do or they procrastinate dealing with it. This article provides 10 easy steps for getting it together and guidelines for when you should review and update your plans. Acting on these steps won't take much time now, but will save you and your family many headaches later on.


Financial planning is an ongoing process
So, you've completed your will and that's it for that. One more item off your to-do list. When was that anyway? Last year? The year before? Not sure? Consider this. Do you know who the biggest beneficiary was of Princess Diana's estate? England's Inland Revenue Service to the tune of $20 million. They grabbed 40 percent of her estate in the form of taxes.


Markets down, blood pressure up? What the doctor ordered
Do you have any of the following symptoms? You have a compulsive need to check the newspaper everyday to see how much your mutual fund prices have changed? Your anxiety level goes up if you can't find a paper or the mutual fund tables? Your anxiety level goes higher if you do find the paper and your mutual fund prices have dropped... again?


Principal and interest compounding table
Most RRSPs compound, but the combined principal and interest and of any RRSP at any institution may compound beyond the CDIC limit of $100,000 if you are not careful. The table below shows the maximum dollar amount to deposit in a compound interest investment at various terms and rates to ensure your maturity value does not exceed the CDIC coverage.


Plan ahead to secure your financial future
Estate planning is a multi-faceted process which affects us all at one time or another. It encompasses all areas of susscession planning from simple wills to orderly reorganization of multi-million dollar businesses including all the various tax and economic factors involved. How do you decide if you are a candidate for financial services? Generally speaking, needs for the services fall into four broad categories.






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Managing Money

Money Matters

Taking advantage of the Financial Services Revolution

Financial fitness is a team effort

Financial Matters: Your locked-in retirement pension could relieve financial hardship

Investment planning throughout the life-cycles: ABCs & 123's

Attention Snowbirds: Talk finances before you take flight


Manulife One: Getting your money working for you

Ten steps to getting your plans in sync with your goals

Financial planning is an ongoing process

Markets down, blood pressure up? What the doctor ordered

Principal and interest compounding table

Plan ahead to secure your financial future