Solutions for your future needs.

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(519) 746-4646

Harold Mertin, President, B.A., CLU, CFP®, CIM
Unit #4, 745 Bridge Street West
Waterloo ON N2V 2G6
Phone: (519) 746-4646, Toll Free: (888) 429-9931
Email: harold.mertin@manulifesecurities.ca

Disability Insurance

Disability Insurance provides a monthly income in the event you are incapacitated, and incapable of working due to an injury or illness. Often called “Income Replacement Insurance”, this coverage is important for self-employed individuals.

Group Benefit Coverage

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. A group can comprise (or “be composed of”) members of an association, a company's employees, or professionals in a group such as lawyers or doctors.

Reduce Business Risk

Start-up firms and smaller companies are especially vulnerable to potentially devastating financial risk because they often lack big company sophistication and in-house risk-control expertise.


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A fresh approach to employee benefits

A fresh approach to employee benefits

According to a recent Sanofi Canada survey, 69% of plan members would like their employer to do more to help prevent disease, illness and injury among their workforce rather than just pay for treatment. Employers are also saying they want to play a role in preventive care. Read more

Let us show you how to protect your most valuable asset … your employees; and at the same time, protect your company’s bottom line.

For more information on how wellness programs and employee assistance plans can help, contact us.

 

What is Coaching?

What is Coaching?

Coaching is designed for people who want to take the next step to create an achievable, desirable future for employees within a company or organization. Read more

All companies want their employees to work effectively and efficiently, and coaching can be a worthwhile investment to open the lines of communication to make that happen!

A coach guides an individual within a safe, confidential environment that will allow the person to become more aware of their strengths and how they affect their work environment. The process is about change and discovering values. Ultimately, coaching encourages a person to leverage their own thought processes to stop hindering personal and professional growth. A coach can help a company create more unity and learn to use the unique differences of others to work together, dynamically.

There is great value in our differences and they are designed to complete us,not defeat us.

"You will never maximize your potential in any area without coaching. It is impossible. You may be good. You may even be better than everyone else. But without outside input you will never be as good as you could be." - Andy Stanley

 

Reward Statements

Reward Statements

Leading organizations are using reward statements to communicate and educate their employees on the total compensation they receive. Read more

An easy-to-read total reward statement that outlines the monetary value of compensation, bonuses, pensions, benefits and vacations is a powerful tool for building engagement and communicating the values of your organization. As a result, you can improve employee retention and reduce employee turnover.

 

Business Health

Businesshealth

Businesshealth is an online resource that helps companies and their employees gain insight on important issues about building and sustaining healthy, productive and profitable workplaces.
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Businesshealth

Many of the companies interviewed in feature articles share their best practices on what it takes to create a workplace where people feel engaged and empowered. Whether you're trying to re-energize your employees, learn from leading companies' best practices, shift company morale or support your workforce in new and creative ways, Businesshealth can help you with your goals.

 

What matters to you most when providing a benefit plan for your employees?

What matters to you most when providing a benefit plan for your employees?

You want your employees to be covered in a time of crisis. A traditional plan might be ideal for you.
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Protection



You want your employees to be covered in a time of crisis. A traditional plan might be ideal for you.

Predictable Long Term Costs

If you need your plan costs to be fixed and predictable, a Health Care Spending Account (HCSA) may be a good option.

Choice

Customizing your protection means creating a unique plan that respects your bottom line while ensuring your employees have the coverage they need.

Our experienced staff can create a benefit plan that aligns with your needs, and your budget. Contact us for more information.

 

Health Care Spending Account (HCSA)

Health Care Spending Account (HCSA)

A HCSA can be provided as a stand-alone plan or as an adjunct to an existing one. It provides an employee with an account of credits that can reimburse health and dental expenses not covered under the current plan. Read more

An HCSA is a tax effective means of providing benefits. Let us help you determine if this is a good fit for your company.

 

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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DISCLOSURES:

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.

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