Financial advice that’s professional, personal, and practical
A Manulife advisor can help you achieve your financial goals and retire with confidence
What services does a Manulife financial advisor provide?
Manulife financial advisors are licensed experts with a deep knowledge of financial planning and your group retirement plan. They can provide you with easy-to-understand advice that addresses your unique needs and financial goals.
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Professional expertise - Licensed financial advisors and financial planners
- All advisors are Manulife employees
- Experts on your group retirement plan
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Personal touch - Multiple languages offered
- Available to you and your family
- Impartial guidance tailored to each person
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Practical approach - Advice is included as part of select group retirement plans
- Book virtual or phone appointments online
- Guidance beyond just retirement
Canadians with an advisor are:
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55% more likely to retire early1
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36% less likely to report debt1
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51% less likely to report financial worries1
Your go-to financial partner for every stage of life
Manulife Wealth advisors can help you with more than just planning for retirement.
Learn how they can also support you in managing your investments, understanding insurance, and more.
My advisor provided all the details upfront and empowered me to make confident, well-informed decisions. He proactively shared information and options, so I never felt in the dark.
Lori MacPherson²
5 things to consider when working with a financial advisor
1. What are your financial goals?
Before meeting with an advisor, think about what it is you want to achieve. Do you want to pay off debt? Save for retirement? Buy a home? Build long-term wealth?
2. How comfortable are you with risk?
Everyone feels differently about taking risks with their money. Knowing whether you prefer to play it safe, stay in the middle, or take bigger chances to grow your money will help your advisor choose the right investments for you.
3. What does your current financial situation look like?
Having an overview of your income, expenses, savings, and debt will help your advisor provide advice that makes sense for your current situation.
4. What’s your preferred style of advice?
Some people want step-by-step directions while others prefer general advice. Knowing how you like to make decisions will help your advisor adjust the conversation.
5. How often do you want to check in on your money?
Think about whether you’d like to check your progress every year, every few months, or only when big life changes happen.
What you can expect from a Manulife advisor
Protection and security
- Evaluate insurance needs for you and your family
- Explore health, dental, and travel coverage options
- Develop estate planning strategies to protect your assets and loved ones
Wealth building
- Optimize investments across mutual funds, GICs, and securities
- Maximize employer-matching contributions
- Find tax-saving strategies
Everyday financial management
- Navigate mortgage and banking options
- Find debt management solutions
- Balance saving for today while planning for tomorrow
Future planning
- Create personalized retirement income plans
- Develop estate and legacy plans for your family
- Adjust strategies as economic conditions and personal circumstances change
These services are available to both you and your family members through virtual or phone appointments, easily scheduled through the Manulife Mobile app.
I've struggled with money all my life, and for the first time, I feel confident in this next chapter, which I worked 40 years to enjoy.
Megan Owens³
Manulife advisors vs. Independent advisors vs. Robo-advisors
Advisor type | Role and access | Human engagement | Cost and fee structure | Ideal for |
Manulife advisors | Licensed experts who are also Manulife employees. This means they have in-depth knowledge of your group retirement plan and access to both Manulife and non-Manulife products. | Virtual or phone appointments based on how often you prefer to check in on your finances. | Included in your group retirement plan, if offered by your plan sponsor. | Employees with a Manulife group plan who want professional and personalized advice. |
Independent advisors | No direct access to your group retirement plan. They’re also encouraged to recommend specific products connected to higher bonuses for them, which might mean higher fees for you. | Consultations without the tailored focus on your Manulife plan. | Usually charge higher fees due to third‑party compensation and broader market coverage. | People who don’t have a group retirement plan. |
Online tools that provide general tips for managing finances. | Information is mostly algorithm-driven with little to no human engagement. | Low‑cost option but lacks personalized guidance. Fees vary based on the platform. | People with a higher risk tolerance who are looking for general guidance and who are more comfortable with DIY options. |
Ready to feel confident about your financial future?
Got questions about getting advice?
Manulife advisors are licensed experts in financial planning, but what makes them special is that they have a deep understanding of your group retirement plan and how it can best serve you.
Their advice is tailored to your needs, which means they’ll look at the plans your company offers and help you make the most of them. They can even act on your behalf to bring other savings into your program and get you signed up for new plans.
While Manulife advisors are financial experts, they use language that’s straightforward and easy to understand. They can explain what’s unfamiliar, highlight what’s important, and connect it all to build a plan that makes sense for you. Think of a Manulife advisor as your financial partner, there to support you in reaching all your financial goals with confidence.
Manulife advisors are fully licensed or certified through one or more of our industry’s most respected programs and regulators:
- Licensed to sell life insurance in your province
- Canadian Investment Regulatory Organization (CIRO)
- Certified Financial Planner (CFP)® designation (have or working toward)
No. Manulife advisors have access to all our products and a wide range of products from other financial institutions too. They’re empowered to recommend what’s best for you, even if it’s not one of Manulife’s products.
Manulife advisors are Manulife employees and are paid through a combination of salary and additional earnings based on delivering high-quality services that support your needs.
No, but if you’re a member of a Manulife group retirement program, you might already have a Manulife advisor included in your plan. Be sure to make the most of their expertise and connection to your program.
If you’re not a member of a Manulife group retirement program with Manulife, we’re still here for you. Request a meeting with a Manulife advisor or financial planner in your area.
Request a meeting. Your Manulife advisor will be in touch to set up a date, time, and location that works for you.
Your relationship with your Manulife advisor will be as unique as you are. Just tell them:
- What you’d like their help with
- How you’d like to stay in touch
- What your goals are
Your Manulife advisor will then guide you in preparing for your first meeting.
Yes, your family also gets access to advice, which helps your advisor get the big-picture view of your household’s financial needs and goals.
If you’d like more information about Manulife advice or you’re not sure whether it’s part of your group retirement program, feel free to contact us.
A few good reads
1 Financial Resilience and Longevity report, Manulife, 2024 2 Testimonial from Lori MacPherson reflects personal opinion based on their experience at the time provided. Individual experiences and outcomes vary and are not necessarily representative of all clients. No compensation or other incentive was provided for this testimonial. 3 Testimonial from Megan Owens reflects personal opinion based on their experience at the time provided. Individual experiences and outcomes vary and are not necessarily representative of all clients. No compensation or other incentive was provided for this testimonial