Benefits

A financial plan:

• Helps clearly define goals
• Outlines a plan of how to achieve those goals

“If you aim at nothing, you will hit it with amazing accuracy.” ~ Michael Lee-Chin

With tax-efficient investing, your portfolio will create wealth and provide you with substantial assets so you can enjoy relaxation, freedom, comfort and peace of mind for your future.

Benefits to working with Dedicated Financial Solutions (DFS)

You will:

• have your individual needs met
• feel like our only client
• create wealth on your own terms
• fully understand your financial plan
• pay less in taxes

When possible we should meet in person. It allows us to fully understand your personal situation and to make the best recommendations for you. All of our financial plans are uniquely tailored to meet each individual’s needs. There is no fee for an initial consultation and no obligation on either side.

At the initial meeting, we will review:

• A copy of your most recent tax return
• A copy of your most recent CRA Notice of Assessment
• Statements for all current investments
• Pension information
• Insurance information
• Mortgage terms
• Expenses and budget
• Assets and Liabilities/Debts

At the second meeting, we will review the financial plan, making sure you understand all the aspects, and provide recommendations in the following areas that apply to you:

• Budgeting – cash flow; spending; opportunities
• Debt
• Tax Planning
• Insurance Planning
• Retirement Planning
• Investment Planning
• Estate Planning

Janet Baccarani, Senior Financial Advisor and Certified Financial Planner
Jennifer Black, Financial Advisor and Certified Financial Planner

DEDICATED FINANCIAL SOLUTIONS
Manulife Securities Incorporated & Manulife Securities Insurance Inc.
714 Burnhamthorpe Rd. East, Mississauga, Ontario, Canada L4Y 2X3 Tel: 905.896.8373 Toll Free: 1.866.552.9333 Fax: 905.896.9239
www.manulifesecurities.ca janet.baccarani@manulifesecurities.ca jennifer.black@manulifesecurities.ca

Manulife Securities Incorporated is a Member CIPF

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any foreign jurisdiction, or in any Canadian jurisdiction where Janet Baccarani and Jennifer Black are not qualified to effect sales. This website is not meant to provide legal or account advice. As each situation is different you should consult your own professional advisor for advice based on your specific circumstances.

Manulife Securities and the block design are registered service marks and trade marks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Securities Incorporated and Manulife Securities Insurance Inc.