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

Investment Planning

An investment planning defines how you will invest your money, prioritize, fund, manage and evaluate your investments while you seek to meet your goals and objectives.

Benefits of a Financial Plan

A good financial plan is multi-faceted: It must anticipate change and reflect your specific financial goals and objectives, while considering your level of investment risk tolerance.

Individual Life

Life insurance is a type of coverage that pays benefits upon a person's death to designated beneficiaries.


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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.

 

Financial Planning Begins With Envisioning Your Goals

Financial Planning Begins With Envisioning Your Goals

Welcome to the Mertin Financial website. For over thirty years, we have been helping our clients create wealth and achieve financial security for themselves and their families.
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We begin each client meeting by asking, "What's important to you?" because that's what is important to us.

We have expertise in the areas of: financial planning, retirement planning, wealth creation, employee benefits and family enterprise.

Take a look at our site to learn more about our team of experts, our services, and how we can work together to help you achieve your goals.

Thank you for visiting our website.

 

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.

 

Tax Free Savings Accounts

Tax Free Savings Accounts

A Tax-Free Savings Account (TFSA) is a registered plan whereby you can save or invest up to:

  • 2009 to 2012: $5,000
  • 2013 and 2014: $5,500
  • 2015: $10,000
  • 2016 to 2018: $5,500
  • 2019 to 2022: $6,000
  • 2023: $6,500
  • 2024: $7,000
  • Contributions are not deductible from your taxable income.
  • Add any unused contributions of your annual limit cumulative back to 2009.

The plan can hold GICs, mutual funds, stocks or bonds. Read more

The advantage of this account is that you are not taxed on the income you earn within the TFSA, which can help you reach your short or long term savings goals faster.

Contact us if you would like to learn more

 

Life insurance is the foundation of your net worth

Life insurance is the foundation of your net worth

As we journey through life, our circumstances change dramatically - so does our need for life insurance. It may be time to review your life insurance and verify beneficiaries, policy amounts and any policy riders associated with the plans. Read more

As you evolve financially, so should your life insurance.

Get in touch with us for a review of your individual and group insurance policies.

 

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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