Name

1
Are you stuck in a love-hate relationship?

• Name
• Title
• Date

2
Love-hate relationship with our car

• Hate
• Negotiating a fair price
• Place trust in a stranger
• Cost of repairs

• Love
• Gets us where we need to go
• Fun to drive
• Make a statement

3
Our Love-Hate Relationship with our Bank
4
Love

• Safe place to keep money
• Loans to buy things
• New products when needed

5
Hate

• Negotiate for best interest rate
• Place trust in a stranger
• Fail in achieving our goals

6
The cost of going it alone

• Dont shop around
• Pay high interest rates
• Mix of products
• Wont reach financial goals

7
Canadian banking

• 9 different financial products
• 2 different financial institutions
• Dont make good use of money
• Costs more

Independent study commissioned by Manulife Bank,
2002
8
Diversifying over space and time

• Costs a family about 1,000 a year more

To view this study visit, www.manulifeone.ca
9
Youve got a Friend in the BusinessYour Advisor
10
Financial expert

• Best banking products
• Best interest rates
• Access premium products and rates

11
Someone who knows you

• Understands financial situation
• Products for unique needs
• Integrate products to achieve goals quickly

12
Someone who is on your side

• Best products and solutions
• Personal advocate

13
Banking through advisor versus banking on your own
14
Eight signs that its time to ask your advisor
about banking

• Negotiate interest rates.
• Earn little on chequing account.
• Various loans and interest rates.
• Wouldnt recommend bank.
• Carried a balance on credit card in the past
  year.
• Large balance in savings AND outstanding loans.
• Hesitant to make additional payments on mortgage.
  
• Bank offers to sell a product without
  understanding financial goals.

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All it takes is one call
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Important Notes
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 Canadas
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.
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