MODERN FINANCIAL ADVISORY
WITH TRADITIONAL WEALTH MANAGEMENT
Build wealth, plan for retirement and get actionable financial advice; but with custom portfolios, personalized plans, and continuous communication.
Rated 5/5 Stars on Google, Yelp, and Trust Analytica
The All-In-One Advisory
People who work with financial advisors have 3x higher net worth and 4x more investable assets than those who don't work with one.
We make your investments work more efficiently for you and your future by optimize your account structure, and when possible, reduce fees and lessen your potential tax liability.
Quality investment management is about having an evolving plan to mitigate and manage risk, identify opportunities, and understand your potential future needs.
All of our clients have online access to their investments. They can view investments, income received, fees paid, and the performance of their accounts at Manulife Securities Incorporated.
We curate, monitor and adjust your investments based on changing conditions and goals. The strategy is executed by professionals who are experts in investment management.
Replace your bank financial advisor with our uniquely tailored advisory services.
Some people may decide to change advisors simply because they have outgrown the capabilities of their existing advisor and prefer someone with better expertise.
THE BANK'S ADVISOR
Convenient advisory but limited.
...but what are you really paying for?
• Can help you better understand your financial goals and save money.
• Use standardized computer questionnaires to make investment recommendations.
• Can get you deals on credit cards, credit lines, and bank accounts.
• Help with applications, paperwork, and other administrative tasks.
THE TYPICAL INVESTOR
Do it yourself.
Free, but costly.
...and learn from making mistakes.
• Spend hours trying to filter through research.
• Try buying 'hot' tips that your family and friends suggest.
• Need to set aside time manage your life savings.
OUR FINANCIAL ADVISORY
The Complete Package
You get what you pay for.
• Active review of your current circumstances to learn and identify what to accomplish.
• Develop an actionable and evolving solution that's personalized to your objectives.
• Continuously looking to minimize tax implications of investments and optimize after-tax investment returns.
• Analyze and upgrade existing portfolio composition, risk assessment, and restructure based on a dedicated investment methods.
• Leveraging constant flow of economic and stock based research to create actionable advice.
• Recurring communication with market memos and quarterly reviews to keep you updated.
• Unparalleled Access to investment solutions around the world, not limited to bank products.
• Includes constant access with unlimited consultative time with a dedicated, always-available, financial advisor.
Gianluca's Investor Update
A glimpse into a letter from your Manulife Wealth Financial Advisor Gianluca Folino. Keeping you updated on all things finance, markets, and economics.
Highlights from the Q3 2023 Quarterly Review
In the current volatile investment environment, many individuals grapple with the decision between actively investing or passively accruing interest. Given the prevailing interest rates, bonds and high-interest savings accounts appear particularly appealing. However, historical trends suggest an imminent shift in the market's focus from the actual rate levels to their future direction. Despite facing numerous market challenges, leading companies such as Walmart continue to demonstrate robust operational growth, even when their stock prices experience downturns. It's noteworthy that corporations like Visa and Apple have witnessed declines in stock prices despite showcasing positive financial trajectories, signaling potential investment opportunities. Historically speaking, markets have a tendency to ascend following rate reductions, a trend propelled by decreased borrowing costs and subsequent company growth. Decisions driven by emotions often hinder financial achievements; therefore, consistent engagement in the market over the long term proves more advantageous than attempting to time it. Investors should view market volatility as an opportunity to strengthen portfolios and cultivate emotional resilience against market fluctuations.
Written by Gianluca Folino, CIM
Financial Advisor, Manulife Wealth
Life Insurance Advisor, Manulife Wealth Insurance Inc.
Where we create value for you.
We're not just an investment advisory. We carry out industry leading research and global economic insights that give us our unique edge.
With our low minimums, no fixed rate annual fees, and free ongoing client advisory, more of your money stays where it belongs: in your pocket.
With a Manulife Securities advisor, your plan and our strategies are crafted for you. Where your life's goals are our prime focus.
Free Consultation with a Financial Advisor
Finding a great financial advisor is important. Get to know who we are and how we can help you.
Book a time to visit our office at Manulife Wealth in Mississauga or schedule in a phone call. The consultation is completely free.
Meet a financial advisor
Get to know Gianluca, your Manulife Wealth Financial & Investment Advisor, and what he can do for you.
Ask the right questions, and gather a stronger understanding of how financial advising can help you achieve your goals.
Identify what your financial objectives are.
Ask us questions, lots of them. The more you have, the more we can help.
Establish the next steps.
Introducing Manulife Wealth
In January 2024, Manulife Securities will become Manulife Wealth. Over time, you’ll see the new Manulife Wealth brand replace Manulife Securities. Our new name articulates the benefits of being a Manulife Wealth client, reinforcing Manulife as the leader for wealth advice in Canada.
You get the strength and stability of a deep-rooted legacy firm, personalized local advice, and a broad suite of products and solutions—embodying the best of our organization.
Today, Manulife Securities includes two firms, Manulife Securities Investment Services Inc., a mutual fund dealer and your firm, Manulife Securities Incorporated, an investment dealer. As part of the change, we're amalgamating these two firms into one legal entity, Manulife Wealth Inc.
What this means for you.
No action is required on your part. Our name change will not affect your relationship with your advisor or the services provided to you.
This change also doesn’t affect you as a client of other Manulife businesses.
What stays the same
Most important, your investments and the relationship you have with your advisor will not change.
Your trusted advisor will continue to provide you with the service, wealth management solutions, and personalized advice you need to meet your financial goals.
Your investment strategies will stay the same and your investments will remain secure. You’ll continue to have access to view and manage your holdings, account details, important documents, and reports.
We take your privacy seriously, and your financial and personal information will continue to be protected.
Your investments and data are handled with the utmost care and in compliance with the law, as we’re fully committed to following all regulations.
Any fees associated with your accounts will remain the same, and we’ll notify you in advance of any changes.
What you must know before choosing a financial advisor.Working with a financial advisor who is close to their own retirement might not be best for you. You need an advisor who isn't at the end of their career. You need to truly know they'll do the best work for you today that'll lead to your long-term success. This usually works best when you both have long-term intentions of working together. It's important to know they will be there with you as you grow. If you know the advisor will be with you for the long haul, you know they are aligned with you, want to see you succeed with them, and thus provide more valuable insights and advice to help you make the best financial decisions in life.
What does a financial advisor do?A financial advisor offers many services, though the most common are investment advice, retirement planning, estate planning, tax planning, debt management, cashflow management, and insurance solutions. It's important to remember that your financial goals, like most things in life, may change overtime. As a result, you may need to make adjustments to your investing strategy in response to life events such as the acceptance of a new work offer, the birth of a child, or the decision to move or buy/sell a business for example. Financial advisors give advice on investments that meet your objectives, risk tolerance and goals, building an investing plan and making modifications where needed. Managing debt entails working with a financial advisor who can devise plans to reduce existing debt and guide you clear of financial difficulties in the future. Though in some cases, learning how to make use of debt to reduce taxes implications and leverage investments as well as understanding different kinds of debt could be beneficial to some clients. When it comes to cashflow, a financial advisor may provide advice and methods to help you come up with a spending plan that helps you fulfil your short and long term goals. Retirement planning has more to do with making use of your accumulated assets to produce a livable cashflow to maintain your lifestyle. This involves a large degree of risk management and volatility control to ensure you can produce a consistent long-term income stream. Lastly, estate planning is focused on legacy planning and managing future tax liabilities that may occur and erode your estate value.
Are financial advisors worth it?Unless you are a financial professional who is actively researching investments, taxes, policy, law, financial products, and the most up-to-date wealth building and preservation methods, then working with a financial advisor will certainly unlock a lot of value for you. There's a reason why the wealthiest families in the world use financial advisors. Not everyone is interested in or capable of becoming a fulltime financial expert. Successful people know and do what they're good at and then delegate and hire the rest - so when it comes to wealth management, which is commonly outside the realm of most people's expertise, they'll simply outsource that responsibility to a professional financial advisory firm. However, what's wonderful is that over time, advisory firms and financial advisors have become more accessible to people beyond just the ultra high net worth. Today, people can find an advisor and work with them to build their wealth. Where as in the past, people would have to already be wealthy before accessing the services of an advisor. In the end, you can't expect yourself to do it all. Financial advisors spend most their hours staying updated on everything markets, economics, policy, and more. Then from there, taking that information and determining how that impacts their clients' assets and translating that information into actionable strategies that need to be taken and considered for a client's portfolio, and overall plan. It's a full time job that requires a large range of expertise. So for people with families, business owners, or career focused individuals who aren't specialized in the same field as advisors, you'll find more value in hiring an advisor to work for you instead of doing it on your own. An experienced financial advisor will consider all relevant criteria, such as your present and future income, retirement age, and preferred retirement lifestyle to help you evaluate how much you need to invest and the best investment vehicles to help you fulfill your financial objectives. However, the most difficult part is finding a financial advisor that works well with you. Too many people get stuck working with an advisor from the bank. It usually feels convenient and easy since you're already using that bank. Though while that may be better than no help at all, upgrading to an independent financial advisor who specializes in wealth management will significantly upgrade the value to get from an advisor. You'll probably notice your bank advisor is commonly recommending their own banks' product, advises buying the bank's preselected investments, or tries to suggest credit cards and other banking services. If you're using a bank financial advisor, it's probably time you explore a second opinion.
How do I find a financial advisor?To find the best financial advisor, you need to know their credentials, experience, if they have product or investment limitations, how they're compensated, search for reviews, and don't be afraid to ask them plenty of questions. You should find out if they are limited with a Mutual Fund (MFDA) only license or if they have a full service investment license (IIROC). Does the institution they work for make their investment decisions more biased or do they have a limitless product shelf? Are they advisors from a bank or a wealth management firm? Though there are many benefits to working with a financial advisor, it is important that you feel comfortable with whomever you select and that you both maintain a strong degree of communication. You should choose a professional who takes the time to learn about you and your priorities. They should be using that information to develop a unique strategy and to provide recommendations that will get you closer to your goals.
How do I switch to a new financial advisor?If you're contemplating replacing your financial advisor, you’re not alone. The main reasons for leaving your current advisor include lack of communication, ineffective advice, strategies, ideas, and bad performance. When leaving your current advisor, first see how much of the process the new advisor can handle and help with. Here we handle the bulk of the process. We'll reach out to your old firm or institution to initiate the transfer and help you discover and prevent any potential issues that could come from your past advisor. You won't need to contact your old advisor if you don't want to. We are here to make the process seamless for you and will keep you updated. But before you decide to switch, we encourage to have a thorough conversation with a couple different advisors. Take the time to do your research and find an advisor that works well with you.
Why use a Manulife Wealth Financial Advisor?Different from most of Canada's largest financial institutions, when using Manulife Wealth, we have the ability to freely invest in funds that are from varies institutions with global exposure, not being limited to Manulife's products. This allows us to ensure clients are invested in what we believe are the best investment opportunities, globally. An independent financial advisor from Manulife Wealth is a financial professional who provides investment advice and manages portfolios for clients without being tied to any specific financial institution or product. They are not restricted by proprietary products or sales quotas and are able to recommend a wide range of products and strategies from different providers. They are also bound by fiduciary duty to act in the best interest of their clients. Manulife Wealth offers critical services and tools that give independent advisors leading edge technology and compliance tools to best serve clients. - Today, Manulife Securities is comprised of two firms: your firm, Manulife Securities Incorporated, an investment dealer and Manulife Securities Investment Services Inc., a mutual fund dealer. Pending regulatory approval, we will be amalgamating these two dealers into a new single entity called Manulife Wealth Inc. on January 1, 2024. Our new brand name, Manulife Wealth, reflects the value of advice and the service we offer, and our dedication to supporting you with your financial goals. Over time, you will start seeing our new brand name “Manulife Wealth” as it replaces “Manulife Securities.” This change only affects Manulife Securities, and it does not impact other Manulife businesses. This will have no impact on your services or investments. If you have questions about Manulife Securities' transformation, please contact your advisor directly. You can find more information about our transformation at www.manulifesecurities.ca/msi.