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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Employee Retirement Plans

We can design your employee retirement plan to incorporate the following:

  • Analysis of available investment vehicles and associated yields
  • Investment tracking and reinvestment alternatives
  • Individual financial and investment consulting
  • Establishment and management of individual registered and non-registered retirement savings plans
  • Self-directed RRSPs, group RRSPs, & RESPs

Group Retirement Options

When your employees retire or are approaching retirement, they will need help through this period of change. Professionals are available to educate your employees about all available retirement income vehicles. We offer the expertise and services to ease the transition to retirement for your retirees:

  • Retirement consulting
  • Retirement income projections
  • Establishment of retirement income vehicles—RRSPs, RRIFs, LIRAs, LIFs, annuities

Individual Group Investment Products

Whether you are making investment contributions to save for future expenses or retirement, the Group Investment Program allows you to take control of your personal portfolio and achieve your financial goals with peace of mind.

  • Lower investment management fees
  • No front- or back-end sales charges
  • No deferred sales charges (DSCs)
  • No minimum investment
  • Pre-authorized cheque (PAC)
  • Spousal RRSPs
  • Self-directed RRSPs
  • No annual administration fees
  • Consolidated statements

This information is intended to general educative reference only. This group material is not a specific piece of advice for any one situation as every solution is different.

DISCLOSURES:

Mutual funds, stocks, bonds, and financial planning are offered through Manulife Securities Incorporated.

Insurance offered through Mertin Financial

Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada.

Manulife, Manulife & Stylized M Design, Stylized M Design and Manulife Securities are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

Manulife Securities Disclaimer

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