Today's Canadians are often enjoying long and active retirements.

In addition to offering financial security, an effective retirement plan should be diversified to protect against lower interest rates and market fluctuations, giving retirees the independence and the ability to enjoy retirement to its fullest.

With proper planning, you can look forward to:

• security, protection and peace of mind
• protecting your income from inflation
• flexibility to adjust your level of income
• deferring taxes as long as possible
• guaranteeing lifetime income (for you and your spouse)
• leaving an estate to your heirs
• financial independence

We can assist you in building a well-rounded retirement package with a personalized combination of the following:

• Protected Investment Funds
• Registered Retirement Savings Plans (RRSPs)
• Mutual Funds
• Leveraged Investments
• Registered Retirement Income Funds (RRIFs)
• Non-registered Investments
• Individual Pension Plans
• Insured Retirement Programs ®
• Annuities
• Guaranteed Investment Certificates (GICs)
• Estate Bonds ®
• Term Insurance
• Universal Life Insurance

® Insured Retirement Program and Estate Bond are registered trademarks of the Manufacturers Life Insurance Company.