Insurance
- Life insurance
- Disability insurance
- Critical illness insurance
- Business overhead insurance
- Long term care insurance
- Mortgage insurance
- Health insurance
- Travel insurance
Corporate Services
- Buy-sell funding
- Key person funding
- Split-dollar arrangements
- Business continuity & succession
Investments
- Guaranteed Investment funds
- Annuities
- Registered plans: RRSPs, RRIFs, LIRAs
- Non-registered savings plans
- Registered Education Savings Plans (RESPs)
- Guaranteed interest accounts
- RRSP & Investment Loans
Group Benefits
- Traditional group insurance
- Health Spending Accounts (HSAs)
- Wage Loss Replacement Plans (WLRPs)
- Employee Profit Sharing Plans (EPSPs)
- Group savings plans
- Pension plans
Banking
- GICs and Investment Savings Accounts
- Canadian $ and US $ Business Accounts
- Loans and lines of credit
- Preferred Rate Mortgages
* Banking and mortgage products are offered on a referral basis.
Deferred Compensation Programs
- Accumulation & retirement program
- Estate planning
- Legacy planning & charitable gifting
- Tax minimization strategies
- Individual Pension Plans (IPPs)
- Retirement Compensation Arrangements (RCAs)
- Insured Retirement Plans (IRPs)
Manulife Wealth
Heights Financial is proudly working closely with Manulife Wealth, one of Canada’s pre-eminent financial organizations. As a wholly -owned subsidiary of Manulife Financial, Manulife Wealth enjoys the financial strength, security, reputation and resources being one of North America’s largest insurance company. To learn more about extensive products and services offered at Manulife Wealth please visit www.manulifewealth.ca or contact Michael Prodanovic, Financial Advisor-Manulife Wealth Inc.
The aim of the wise is not to secure pleasure, but to avoid pain.
– Aristotle