Frequently asked questions
about financial planning

Obviously there is more to financial planning than can be contained in any web page or booklet, but perhaps we can clear up a few questions. We are delighted to answer any further questions you may have.

Great thoughts on investment

"We have no predictive abilities or control over global trends, natural disaster, political upheavals, currency fluctuations and devaluation, social unrest, bad weather or manic-depressive stock markets. We do, however, have complete control over our own behaviour."
Warren Buffett

"Don't think about what the market's going to do; you have absolutely no control over that. Think about what you're going to do if it gets there."
William Eckhardt

"One of the safest times to invest is when the news is awful and markets are depressed; the Time of Deepest Gloom."
John Train

"A stock market is a great opportunity to pick up bargains left behind by investors who are fleeing the storm of panic."
Peter Lynch

"Just about every time you go against panic, you will be right if you can stick it out."
Jim Rogers

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.

Manulife Securities Investment Services Inc. is registered as a Mutual Fund Dealer, or its equivalent, with the provincial securities commissions and as such our Advisors are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada ("MFDA"), Manulife Securities Investment Services Inc. is obligated to disclose to you that you may be dealing with companies other than Manulife Securities Investment Services Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Manulife Securities Investment Services Inc.:

• Deposit Instruments: GICs, Canada Savings Bonds;
• Fee for Service Financial Planning;
• Estate Planning;
• Tax Planning or Income Tax Preparation;
• Insurance: Life, Accident, Sickness, Disability, General.

Please be sure that you have a clear understanding of which company you are dealing with for each of your services and products. Your Associate would be happy to provide any clarification you require.

Manulife Securities Investment Services Inc. is a member MFDA IPC.

Insurance products and services are offered through Manulife Securities Insurance Agency (a licensed life insurance agency and affiliate of Manulife Securities) by Manulife Securities Advisors licensed as life agents.

Manulife Securities and the block design are registered service marks and trade marks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Securities Investment Services Inc.

CEO Financial Services Inc. and Manulife Securities Investment Services Inc. (“Manulife Securities”) and Manulife Securities Insurance Agency 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 CEO Financial Services Inc. or Manulife Securities. The information in this communication is subject to change without notice.

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