Sometimes the trouble with the future is the uncertainly of exactly what your future is going to look like. However, with careful analysis and the right combination of investment and insurance products – planning for the future helps takes a lot of the uncertainly out of the picture. At Rickert Financial Group, we have access to the best investment products to help you save for the future and ultimately your retirement. Some of the products we offer include:
- Mutual Funds
- Group RRSPs
- TFSAs – Tax Free Savings Account
- RESPs - Registered Education Savings Plan
- Pension transfer management
- Self-Directed RRSP plans
- Fee-based Wrap Programs
- Money Products including Daily Interest Accounts, GICs, RRSPs, RRIFs, and LIRA/LIFs
- Banking and mortgage products (on a referral basis)
- Online Account Access, Telephone and Online Banking
Manulife Securities Investment Services Inc. (MSISI) is our dealer of choice for mutual funds. MSISI is one of Canada’s foremost independent investment dealers and very highly regarded in the industry. Our firm commitment to service excellence coupled with our expansive product offering provides clients with mutual fund choices tailored to fit their financial goals and advanced investment needs. MSISI is a member of the Mutual Fund Dealers Association (MFDA).
Through Manulife Securities, we are also able to offer investments though Manulife Private Wealth. Manulife Private Wealth provides consolidated, highly personalized private banking and investment management services to our high net worth clients, with access to an integrated team of financial planning, tax and estate experts, accountants, and lawyers. Manulife Private Wealth works with you and your Advisor to help craft and maintain your complete wealth plan.
Another vital component of a complete financial plan is insurance. Rickert Financial Group offers an extensive offering of insurance products – some of our largest suppliers of insurance include Manulife Financial, Empire Life, Sunlife Financial, Equitable Life, Transamerica, and Great West Life. Having access to such a wide array of insurance products enables us to consider a range of solutions and then choose the one best suited to your needs. Some of the insurance products we offer include:
- Life Insurance
- Disability Insurance
- Group Insurance
- Critical Illness Insurance
- Health and Dental Insurance
- Travel Insurance
- Long Term Care Insurance
Manulife Securities Investment Services Inc., a registered mutual fund dealer in all the provinces and territories of Canada, except Nunavut, and a registered exempt market dealer in all the provinces of Canada and the Yukon Territory and Manulife Securities Incorporated, a registered investment dealer in all provinces and territories of Canada (“Manulife Securities” as the case may be) have each entered into a referral agreement (the “Agreement”) with Manulife Private Wealth, a division of both Manulife Asset Management Limited and Manulife Asset Management Investments Inc. Manulife Asset Management Limited is registered as a portfolio manager in all the provinces of Canada; as an investment fund manager in Newfoundland and Labrador and Ontario; and as a commodity trading manager in Ontario. Manulife Asset Management Investments Inc., a wholly owned subsidiary of ManulifeAsset Management Limited, is registered as an exempt market dealer in each of the provinces of Canada. Under the respective Agreement, your Manulife Securities Advisor (your “Advisor”, identified in section 6 of this form) can referclients including you, the undersigned (“You”), to Manulife Private Wealth which is registered to provide financial planning,discretionary portfolio management services and securities products (“Services”). These Services may be provided directly via Manulife Asset Management Limited, Manulife Asset Management Investments Inc., or through affiliated entities, including The Manufacturers Life Insurance Company, Manulife Bank of Canada and Manulife Trust Company. Through your relationship with Manulife Private Wealth, You may also be offered one or more designated banking, mortgage and/or secured lending products(“Related Products”) from Manulife Bank of Canada or Manulife Trust Company (“Manulife Bank & Trust”). Manulife Private Wealth may pay referral fees to Manulife Securities when You purchase Services or Related Products from Manulife Private Wealth or Manulife Bank & Trust.