Wealth Solutions

Pearl Planning & Financial Solutions provides access to a full suite of wealth products and services to support individuals, families, business owners and corporations.

Through our process we select products best suited for your financial needs and goals. Our comprehensive expertise enables us to work with a broad range of manufacturers to propose the right strategy.

Investment Management

We spend time getting to know you as a person and understanding what’s important to you before we design and recommend an investment portfolio.

Whether you wish to invest in Guaranteed Investment Certificates, mutual funds, the stock market, or another of the many different investment products on the market today, what you choose to invest in should be determined after careful consideration of your goals, needs, and objectives.

Your portfolio may consist of any of the following investment options: savings accounts, GICs, mutual funds, stocks, bonds, exchange-traded-funds, annuities, and insurance related segregated fund investments that feature guarantees.

Mutual Funds

Mutual funds are professionally managed investments that are funded by investors and generally have a diversified holding of stocks, bonds, money market instruments, and other assets. They aim to achieve a specific objective as stated in their prospectus.

Securities

The word ‘securities’ is a broadly used term to describe many investment vehicles including stocks, bonds, and exchange traded funds (ETFs), which trade on various stock exchanges around the world.

Segregated Funds

A segregated fund is similar to a mutual fund but offered by a life insurance company. The assets of the fund invest in stocks, bonds, money market instruments, and other assets. Segregated funds also have access to a well-diversified portfolio of securities and professional asset managers. Many segregated funds provide various guarantees such as maturity, death, or income guarantees. When used in a non-registered account, segregated funds offer the added ability to name a beneficiary and bypass probate which provides a valuable estate planning benefit.

GICs/GIAs

A Guaranteed Investment Certificate (GIC) offers you safety of principle and a guaranteed interest rate for a specified period of time. We have access to GICs from many different financial institutions. GIAs are similar to GICs but are purchased from an insurance company. When used in a non-registered account, GIAs offer the added ability to name a beneficiary and bypass probate which provides a valuable estate planning benefit.

Annuities

An annuity is a single lump sum investment that provides a guaranteed regular income stream of payments in return. These payments will contain both interest and a return of principle for either a certain term or for life. When used as part of an overall investment strategy, they can offer added peace of mind by ensuring a reliable source of ongoing income regardless of the state of the financial marketplace or economy.

Premier Investment Program

The Premier Investment Program offered by Manulife Wealth Inc. is a fee-based advisory program that allows us to create a customized investment solution, ensuring complete objectivity in the decision-making process. It offers a broad range of investment options you can hold within one account. We will work with you to determine if this program is suitable for you.