Mutual Funds
Constant analysis of the industry and specific funds, using our copyrighted BEST OF CLASS PROCESS™ affords us the freedom to choose from the top mutual funds available to ensure performance and suitability for each client.

Term Deposits
McEdwards & Whitwell’s advisors monitor financial institutions daily to ensure that funds placed on behalf of our clients earn the best rate of return available..

Life and Disability Insurance
Insurance coverage to effectively reduce risk and provide protection in a variety of areas such as life, disability, critical illness, long-term care, and annuities.  As an independent insurance advisor we are able to ensure that each client is connected with the product which best suits their needs and objectives.

Segregated Funds
Life insurance industry investment funds which guarantee principal and can be used to satisfy estate planning and creditor protection issues.

Employee Benefits and Pensions
These plans are independently sourced and efficiently implemented to meet the needs of both the employer and the employee.

Registered and Retirement Accounts
McEdwards & Whitwell advises on, sets up and manages non-registered and registered (tax deferral) client accounts including:

» RRSP Registered Retirement Savings Plan
» RRIF  Registered Retirement Income Fund
» RESP Registered Education Savings Plan
» LIRA  Locked-in Retirement Account
» LIFA  Life Income Fund

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Securities or its Advisors are not appropriately licensed or registered or where any Product or Service is not eligible for sale. Details are available on request.

Insurance products and services are offered through McEdwards & Whitwell Financial Planning Inc.

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.

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.