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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.

Mortgage Planning

A Mortgage Just Right for You

There are many different lenders and so many different mortgage rates, features and options. Few people have got the time or the experience to shop for a mortgage that fits.

While man people sort through and compare your options, we strategically broker the market to create the best mortgage for you.

Super Rates

Our rates are more than competitive, primarily because we broker and design exclusively a mortgage just right for you.

Maximize Your Privileges

Often a low-rate mortgage can lock you in to a tight contract with contractual clauses that can work against you later, like fully closed, and low or no prepayments. We make sure your bases are covered and that you understand what you all your options are to maximize your financial game-plan:

  • excellent prepayment privileges
  • ability for early payout
  • 30-year amortizations for conventional; 25 year for insured mortgages
  • quick close specials often available
  • variable rate option: competitive rate, and the security of switching to a fixed rate at any time you choose

We Collaborate with You

The relationship between client and broker is a long-term one. Contact us today for a meeting - whether you are a first time buyer or trading up your home, consolidating debts, or looking to take equity out for a renovation or other expenses. We will offer advice to fit your current and ongoing needs


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.