INVESTMENT TYPES
Stocks
Bonds
Mutual Funds
Segregated Funds
GICs & GIAs
Annuities
Banking and Mortgages
WE OFFER A WIDE RANGE OF INVESTMENT POSSIBILITIES
The cardinal rule at Kudsia Leith Sanchez/Manulife Wealth Inc. is “planning comes first.” Once we know where you want to go, we can decide what investment options to offer you.
Investments can be short or long-term and when managing your investments, we take into account your current financial position, future dreams and how much risk you are comfortable with.
When we help create your investment portfolio, we offer many different investment options and evaluate your investment plan with you on a frequent basis. Below we describe some of the key investment products and services we offer through Manulife Wealth Inc.
USEFUL TOOLS
Retirement Calculator
Major Purchase Goal Calculator
Education Calculator
CONTACT US
Call Us 519-886-4445
Email Us info@klsfinancial.ca
OUR HAPPY CLIENTS SAY
Cam really focused on getting to know us as individuals….and to determine if we could afford to retire.
DAVID NAYLOR, WATERLOO, ON
Rajeev has been our financial advisor since 2006 and our experience has been fantastic. He is extremely trustworthy and honest. He gives us peace of mind and a sense of security knowing that our family is protected.
Victor Hussein, Real Estate Lawyer
Cam is a grounded person who takes a rigorous professional approach and yet has a down to earth way of explaining things. He never makes you feel like you are asking dumb questions.
DAVID & BARBARA FRANSEN, WATERLOO, ON
Rajeev is very passionate about providing value to his clients which is important to me. He looks out for my best interests and treats my portfolio like it's his own which means a lot.
Cynthia Sundberg, President, School of Rock
I really appreciate our relationship and value your advice Rajeev. You are an exceptional advisor and I trust you immensely. I’ve worked so hard to get to my current financial situation and I’m so thankful to have you guide me through the process to ensure I use it to its full potential. You are a gift in my journey, so thank you for that!
TRINA SHEPPARD-HAUFE
Cam does a great job in looking for opportunities, finding ways to diversify, and always making an extra effort. He has excellent professional experience and makes it his responsibility to meet expectations and provide results...I've know Cam for many years and we've always had a productive working rapport.
IRENE ROONEY, WATERLOO, ON
Rajeev is a full service advisor and takes the time to understand my requirements.
RICK ENDRULAT, PRESIDENT, VIRTUAL CAUSEWAY
Cam really helped us with our investments and helped us to do long-term planning. His modeling and tweaking of the plan over the years validated for us that we are going to be fine in retirement.
BRUCE & DIANE MONTEITH, WATERLOO, ON
A MORTGAGE THAT GIVES YOU MORE
Debt Management Solutions is an innovative all-in-one mortgage, line of credit and bank account that gives you the freedom to choose what’s right for you today, and tomorrow.
A BANK ACCOUNT THAT SAVES YOU MORE
Reach your savings goals with a high rate of interest, flexible chequing features and free, unlimited daily banking.
GO MOBILE AND BANK ANYWHERE, ANY TIME.
Manulife Bank Mobile is an easy, convenient way to bank with us when you’re on the go.
Stocks
A well-balanced portfolio of stocks is essential for you to build your wealth while limiting risk. At Kudsia Leith Sanchez / Manulife Wealth Inc., we are able to offer you the full spectrum of stocks – from Canadian stocks equities to emerging market equities – always ensuring your selections are in sync with your financial plan and your risk tolerance.
Bonds
Offering a safe return, bonds are an important investment option to consider. When you purchase a bond, the bond issuer pays you interest for a specific time period. When the bond matures, you are repaid your principal investment. We will guide you in selecting the best bonds for you.
Mutual Funds
Kudsia Leith Sanchez / Manulife Wealth Inc. provides you with a wide range of mutual funds to meet your needs. Working closely with an advisor, we will help you select from a broad spectrum of funds.
Contingency Plan
Having a Contingency Plan in place is vitally important to any business in which the owner plays an active role. Without a well thought-out game plan, the consequences to key stakeholders (family, clients and estate) in the business are dire.
The impact of your sudden and unexpected departure from the business due to death, disability or extended leave of absence from the business can be disastrous. As a professional, it’s your responsibility to make every attempt possible to ensure a plan is in place to protect everyone’s interest.
The objective of a Contingency Plan is to make sure your heirs know what you would like them to do with the business in the event you can’t do it yourself. It can involve negotiating something as simple as a letter of understanding or the drafting of a legally binding buy & sell agreement funded with life insurance. Whatever approach you choose, the main objective is to make sure there is a plan to follow if a triggering event occurs.
It’s also imperative in this process that you communicate the details of your plan with your executor or legal representative and include a copy with your estate documents.
Segregated Funds
When you’re investing, it’s nice to have options that provide the potential for a nice return, while at the same time, some protection of your initial investment. That’s what Segregated Funds offer. Segregated funds are an investment product that provides insurance protection. They can invest in different types of assets, like mutual funds, bonds, real estate and stocks.
Segregated funds provide a guarantee for you to get back some or your entire principal, at maturity. To do so, you need to hold the funds for a specific amount of time. Segregated funds also offer creditor protection and you can minimize probate taxes through beneficiary or beneficiaries you designate.
GICs AND GIAs
GICs offer you a guaranteed rate of return over a fixed period of time and are usually issued by trust companies or banks. GICs are protected up to $100,000 by the Canada Deposit Insurance Corporation.
Guaranteed Interest Annuities (GIAs) are similar to GICs as they offer a fixed rate of return, but they are sold as life insurance contracts. GIAs are also protected up to $100,000 by Assuris.
Annuities
By making a single lump-sum investment, an annuity can ensure you receive a stable stream of income for life, or for a specific time period. An annuity can guarantee you income for your entire life, providing you with some peace of mind. With an annuity, you don’ have to worry about market ups and downs impacting your retirement savings.
Several payment guarantee options are available to ensure the income continues to your spouse or other designated beneficiaries, if you pass away prematurely. These options can guarantee a minimum amount is paid out of the annuity, no matter what happens to you. You can also choose to index your annuity income, to help guard against inflation. In addition, non-registered annuities can offer significant tax advantages.
Banking and Mortgages
One of the cornerstones of financial planning is cashflow management. Understanding your cashflow position, establishing savings rates and paying down debt are some examples of the key aspects of managing cashflow. There are several products that can be utilized to support your financial life in this area including mortgages, savings accounts and credit lines to name a few. While we are not licensed to sell mortgage and other banking products we have access to these products through some of our referral partners including Manulife Bank(Upon Referral).
Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada.