1. Tchavdar Elenkov BA Econ, Certified Financial Planner Why Work With a Financial Advisor?

2.  Determining and achieving financial goals  Support and advice from a professional  Not just for rich people  Create a comprehensive plan  Complete financial picture The need for a financial advisor

3.  Complete financial details  Comfortable and trusting relationship  Long-term and ongoing interaction Sharing the details

4.  Be realistic with your expectations  Continuous financial reviews should be a part of your lifestyle Realistic expectations

5.  Commission  Salary  Fee-for service How do financial advisors get paid?

6.  Be up front  Credentials  Background and experience  Get recommendations  Ask for references  Insist on annual meetings Finding the right financial advisor

7.  CFP – Certified Financial Planner  CH.F.C – Chartered Financial Consultant  CGA – Certified General Account  CFA – Chartered Financial Analyst  CIM – Canadian Investment Manager  CLU – Chartered Life Underwriter Financial advisor credentials

8.  www.investored.ca  www.iqpf.org  www.lautorite.qc.ca S For more information

9. The commentary in this presentation is for general information only and should not be considered investment or tax service to any party. Individuals should seek the advice of professionals to ensure that any action taken with respect to this information is appropriate to their specific situation. Manulife Investments is the brand name identifying the personal wealth management lines of business offered by Manulife Financial and its subsidiaries in Canada. As one of Canada’s largest integrated financial services providers, Manulife Investments offers a variety of products and services including: segregated funds, mutual funds, principal protected notes, annuities and guaranteed interest contracts. Manulife and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Financial Corporation. Important Notes