November 2017 Book a Meeting
 
 
Government Pensions and Retirement Planning

Canadian couples rely upon Government pensions, CPP and Old Age Security (OAS) for a significant portion of their total retirement income planning, which can equal 20% to 50% or more, of their actual or projected total retirement incomes. Corporate and personal pensions (such as RRSPs and TFSAs and other savings) are other sources of retirement income from a planning perspective.

The maximum CPP benefit is earned by Canadians earning $55,300 or more for 2017. They will qualify for the maximum...

Read More
 
Get It When You Can

We’ve all read or heard about the unlucky family that is wiped out by a house fire and didn’t have any fire insurance. All too often, people mistakenly believe that it won’t happen to them. The reality is that bad things CAN happen and there is nothing that guarantees they will be immune from disaster. Insurance is simply an economical way to protect ourselves from the financial loss a tragedy can bring.

There are a number of factors that can determine if we can even get coverage. Just as it would be impossible to get fire insurance while the house is on fire, other types of insurance can be difficult to get after something has happened...



Read More   Print PDF
Joint Ownership Alternatives

Joint ownership is used by millions for various reasons. When problems arise, they are usually unintentional and it can be too late to remedy them. For example:

Jane wants to avoid probate with as much of her estate as possible. She also wants her daughter, Sally, to have easy access to her cash at death to take care of last expenses. Jane thinks...she can do this by naming Sally on her bank accounts jointly.

On the surface, this looks like a quick and easy way to accomplish what she wants. It’s what lies below the surface that can sink her financial ship...



Read More   Print PDF
 
 
Our Website
 
 
Our Services
 
 
Financial Library
 
 
 
About Us
 
 
Resource Centre
 
 
Money Tools
 
 
Do you want to know who you are? Don’t ask. Act! Action will delineate and define you.
Thomas Jefferson
 
Manulife, Manulife Securities and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. Manulife securities Investment Services Inc. is a Member MFDA IPC. Commisions, 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. Greg Hengl, Paul Scott and Manulife Securities Investment Services Inc. ("Manulife Securities") do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Greg Hengl, Paul Scott or Manulife Securities. Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through Hengl Scott Financial Partners Inc. The information in this communication is subject to change without notice.
 
Hengl Scott Financial Partners
2650 Tecumseh Rd E - Windsor, ON N8W 1G2
Ph: (519) 253-5999