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Brad Brain Financial Planning Inc.

Manulife Securities Incorporated

Manulife Securities Insurance Agency

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Disclaimers


"To invest Successfully over a lifetime does not require a stratospheric IQ, unusual business insight, or inside information. What's needed is a sound intellectual framework for decisions and the ability to keep emotions from corroding that framework"

-Warren Buffett

 

Disclaimers

Commission, trailing commission, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

There are a number of risks associated with an investment. Investors should refer to each Partnership's offering documents for details. Important information about this offering is contained in the prospectus relating to this offering, a copy of which should be obtained from the agents or the offices of designated subagents. You should review the prospectus carefully, and consult your Advisors, including tax Advisors, before making an investment decision. This material does not constitute an offer to sell or a solicitation to buy any security. Such an offer can only be made by prospectus

Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines.

nsurance products and services are offered through Manulife Securities Insurance Agency (a licensed life insurance agency and affiliate of Manulife Securities) by Manulife Financial Advisors licensed as life agents.

All calculators are for illustrative purposes only and should not be relied upon as an accurate indication of your financial retirement needs. As each individual's situation is different and changes over time, the results are limited by the accuracy of the assumptions you make in providing the information used in the calculation. We do not guarantee that this calculator is reliable, accurate or complete or that it will be compatible with your computer.

The rate of return is used only to illustrate the effects of compound growth and is not intended to reflect future value of the mutual fund or returns on investment in the mutual fund.

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Securities or its Advisors are not appropriately licensed or registered or where any Product of Service is not eligible for sale. Details are available on request

 

The opinions expressed are those of the author and may not necessarily reflect those of Manulife Securities Incorporated and/or Manulife Securities Insurance Agency.

 

Brad Brain and Manulife Securities Incorporated and Financial Management Brokerage do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Brad Brain, Manulife Securities Incorporated and Manulife Securities Insurance Agency.

 

This material is not to be construed as an offer or solicitation. The securities mentioned may not necessarily be considered suitable investments for all clients. Contact you Investment Advisor to discuss your individual investment needs.

 

Manulife Securities and the block design are registered service marks and trade marks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Securities Incorporated and Manulife Securities Insurance Agency.

 

The information in this communication is subject to change without notice.

Manulife Securities Incorporated is a Member CIPF

 

Brad Brain Financial Planning Inc.

Manulife Securities Incorporated

Manulife Securities Insurance Agency

Suite 101 9705 100 Ave

Fort St. John, BC V1J 1Y2

Phone: (250) 785-1655 Fax: (250) 785-1650

Email: Brad Brain, Financial Planner

 Meagan Mueller, Executive Administrator

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