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Retirement... Ready or Not


Our Services

Our Services

The best financial decisions are often aligned with meaningful financial goals. Are you trying to provide your employees with a comprehensive benefit plan? Are you close to retirement?
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Do you know where you should be investing your money so that you can enjoy your work-free years? Will your family be protected if something happens to you? At Mertin Financial, we are here to help with any financial decisions you might be facing.


Group Benefits

Group Benefits

Group Insurance is an insurance plan that protects a group of people's financial security in one or more ways, such as offering low-cost life insurance or a dental plan for the self-employed.
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How much money will you need to retire?

How much money will you need to retire?

Maybe not as much as you think. You save and invest your money over many years knowing that one day when your employment income stops, you'll need another source of income to maintain your standard of living. Read more

Most financial advisors suggest you will need 60-70% of your pre-retirement income to live off of; however, it can be much less if you retire with a debt-free home, no credit card debt and no dependents living with you.

We can help you determine if you’re on track for retirement, or if you need some guidance to improve your financial situation to better enjoy your retirement years.


Community Involvement

Community Involvement

Mertin Financial supports: United Way (Kitchener Waterloo), House of Friendship, Grand River Hospital (Young Adult Program - YAP), Operation Christmas Child, KW Pregnancy Center, Ride & Stride for Cancer, Investments offered through Manulife Securities Incorporated. Read more

  • United Way (Kitchener Waterloo)
  • House of Friendship
  • Grand River Hospital (Young Adult Program - YAP)
  • Operation Christmas Child
  • KW Pregnancy Center
  • Ride & Stride for Cancer





Insurance products and services are offered through Mertin Financial Inc.

Investment dealer dealing representatives (“investment advisors”) registered with Manulife Wealth Inc. offer stocks, bonds, and mutual funds.

The Manulife Bank Advantage Account is offered by Harold Mertin through referral arrangement with their insurance business Manulife Bank of Canada and is separate from Manulife Wealth Inc. product offerings.

Manulife Wealth Inc. is an indirectly, wholly-owned subsidiary of Manulife Financial Corporation (MFC). MFC owns The Manufacturers Life Insurance Company (MLI), a financial services organization offering a diverse range of life and health insurance protection products, estate planning, investment and banking solutions through a multi-channel distribution network. MLI owns Manulife Wealth Inc., and Manulife Wealth Insurance Services Inc. MLI also owns Manulife Bank of Canada, a federally chartered Schedule 1 bank, which in turns owns Manulife Trust Company, a federally chartered trust company.