Obtaining Investment Income

As your advisor, providing advice on saving for your retirement involves a lot of careful planning.

Not only do we have to ensure that your savings will be sufficient to fund your future need for

income, we also have to ensure that your nest egg will last as long as you'll need it.

With longer life expectancies, this could be 30 years or more.

As you may know, there are limitless investment vehicles available. Some are better suited for income than others. I have come across the Manulife GIF Income Select which has some interesting guarantee benefits associated with it, thus, I wanted to provide you with a summary of the features and benefits.

Income for Life - Beginning at age 65, income can be guaranteed for life.

Guarantee a Return of Principal - You're guaranteed to get back your principal in the form of

regular withdrawals of up to 5% for at least 20 years - regardless of market performance.

Increasing Income - With bonuses and opportunities to lock-in market gains, your income

payments can increase.

Flexibility - You can switch between funds and fund managers in IncomePlus Series or access

your savings at any time, should the need arise.

Provide a Tax-Efficient Income Stream - When held in a non-registered account, IncomePlus

offers the potential for tax-efficientincome.

Creditor Protection - You have the potential to protect your assets from creditors.

Estate Benefits - In the event of your death, the I proceeds of your contract can pass directly to

your designated beneficiaries, without the time delay and expense of probate.

This investment may be suitable whether you require an income or not. I would be pleased to

discuss with you or someone you know if this is suitable for your situation. Call me directly at

604.535.4306