McFaull Consulting

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McFaull Consulting / Manulife Securities is pleased to offer our 6 Step Worry-Free Retirement Program™ to our investment clients; a superb, comprehensive program designed to address their total retirement financial planning needs. We act as brokers to handle all our clients' investments, but in addition, as a value added service, we implement this program to ensure all of their financial needs are met. We would be most pleased to act as your investment advisor and deliver the Worry-Free Retirement Program™ to you.

The following is a very brief summary of the 6-Step process.

Step 1: The Strategic Income Projector

When can I afford to retire?
If retired, how much can I spend?

These are our clients’ most commonly asked questions and obviously important; the answers to which depends greatly on the level of retirement income they feel they need. In this step, we complete a detailed projection of your savings, income flows and spending over your lifetime, taking into account inflation, taxes and other critical data, to determine when you can afford your desired retirement.

Step 2: The Lifetime Income System

Creating the most effective retirement income stream.

Here we help determine the optimal income flow for a retiree, with the least tax and maximum convenience. This step addresses where your monthly retirement income will come from - which assets to draw on first, which to leave to accumulate, when pensions should commence, etc. A carefree, regular income flow is so important in retirement and we make it our priority to ensure yours.

Step 3: The Great Investment Portfolio

Effective investment and portfolio construction.

Here we study your current holdings and offer our suggestions on how your portfolio can be designed for optimum performance, tailor made based on your analyzed retirement needs identified in the previous 2 steps.

A good investment portfolio has an above average rate of return.

A great investment portfolio has:

• above average rate of return
• tax efficiency
• acceptable levels of risk
• ease of administration

It is our goal to have the “greatest” portfolio for you, created from the wide variety of products we have access to as a fully independent broker.

Step 4: The Tax Burden Analysis

Reducing the tax burden.

Income taxes are the dragon that must be slain in retirement income planning. We pay very high taxes in Canada, and we therefore must always arrange your affairs to maximize your after tax income. This crucial step can determine if your retirement is affordable. We look forward to assisting you slay your ‘tax dragon’, or at least keep him at bay!

We will visit the 5 “Ds” of tax planning with you: Defer, Deduct, Divide, Dividend and Donate

Step 5: The Estate/Risk Planning Diagnostic

Is your house in order?

Are you protected against...

• Overly complex and possibly divisive/confusing distribution of your assets to family
• Taxes at death
• Long-term health care costs
• Critical illness expenses
• Excessive Estate costs

There are effective tools available to analyze your risks in these areas and insure against them. Are your Estate documents in order?

• Properly revised Will
• An Enduring Power of Attorney for both financial and health care needs
• Review of life insurance policies

We will listen to your Estate goals and then offer suggestions to ensure all your affairs are in order in conjunction with your lawyer and accountant.

Step 6: The Lifetime Review Process

A commitment to review.

Without a commitment to review, the best laid plans go astray. This step represents our commitment to implement this program over your lifetime. Reviews of all the steps are most important on a regular basis, and we will be there to work through the changes that need to be made to ensure your retirement is truly worry-free.

We can deliver this Program in its entirety to our investment clients without additional fees, as we are compensated for the brokerage of their portfolios through commissions.

We will only deliver Step 1 on a fee for service basis for those prospective clients who currently only require an analysis on the affordability of their retirement and which type of pension options to select.

Manulife Securities Incorporated:
Manulife Securities Incorporated is registered as an Investment Dealer, or its equivalent, with the provincial securities commissions and as such our Advisors are entitled to sell mutual funds, stocks, bonds and other 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 Investment Industry Regulatory Organization of Canada ("IIROC"), Manulife Securities Incorporated is obligated to disclose to you that you may be dealing with companies other than Manulife Securities Incorporated 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 Incorporated:

* 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.:
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.

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