Services and Products

SERVICES

We provide complete financial management as an independent investment dealer, with dedicated commitment to providing the best service and financial solutions tailored to your individual needs.

We focus on:

• Creating wealth using proven long-term strategies
• Smart, carefully considered recommendations
• Increasing cash flow
• Lower interest rates on debt consolidation
• High interest rates on income products like GIC’s
• More tax efficient returns on investments
• Lowering tax rates
  
• Planning for all generations
• Protection where it’s needed
• Solutions for you and the beneficiaries of your estate

PRODUCTS

As an independent investment dealer, we are able to select from the best products from a wide range of sources.

• Registered Retirement Savings Plans, and Group RRSP*
• Investment Accounts*
• Investment Loans*
• Wrap Fee Accounts*
• Registered Education Savings Plans*
• Mutual Funds*, Stocks*, Bonds*, Guaranteed Investment Certificates (GICs)*
• Equity and Fixed Income Accounts*
• Asset Allocation*
• Annuities**
• Segregated Funds**
• Mortgage referral products*
• Life Insurance**
• Critical Illness & Disability**
• Long Term Care Insurance**
• Supplementary Health & Dental Plans**
• Travel Insurance**

We also consider things that are related to your financial well being. We have alliances with reliable professionals such as lawyers, real estate agents, and other community partners. Janet Baccarani is also a Chartered Accountant, with extensive experience in tax-related matters. She can work with you to best minimize your taxes with long-term gains in mind.

Segregated Funds:
Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund.

Mutual Funds (no performance data):
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Insurance Product Disclaimer:
Insurance products and services are offered through Manulife Securities Insurance Inc. (a licensed life insurance agency and affiliate of Manulife Securities) by Manulife Securities Advisors licensed as life agents.

Borrowed Money (& Leverage):
Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines.

* offered through Dedicated Financial Solutions/Manulife Securities Incorporated
** offered through Dedicated Financial Solutions/Manulife Securities Insurance Inc.

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.