What products and services do you offer?

As a Senior Investment Advisor with Manulife Securities Incorporated, we offer stocks, bonds, ETF's, mutual funds, GIC's and other investment solutions.

As a Life Insurance Advisor with Manulife Securities Insurance Inc, we offer segregated investments such as guaranteed income products and creditor-proof savings.  To help your family or your business partners, we also offer solutions from a variety of carriers for life insurance, disability and critical illness coverage. 

As a Certified Financial Planner we work with clients to uncover their needs, collect information on their goals, values, risk tolerance and time horizon, net worth and cash flow, to analyze your financial status and the opportunities and challenges before you.  We make proposals and implement recommendations and provide on-going reviews of your investments and your progress towards your goals. 


Do you offer Healthcare Insurance?

Yes, through our online applications.  Flexcare provides extended health and dental benefits.  FollowMe is for those who want to maintain their health and dental after leaving group benefits plan. 


Do you offer Life Insurance?

Yes - you can access quotes from multiple carriers through us.  We would be happy to meet you and discuss your needs and the various types of coverage available.  Some need insurance to cover their mortgage and debt, or provide for dependants; others want life insurance to provide for succession of a farm or business or cottage, or to cover income taxes on your estate.  If you know you want inexpensive term insurance, and you need it in place quickly before your house mortgage closes, we can set up a time to do this application by phone.  You can apply for term life insurance easily by phone if you’re between 18 and 50, and applying for coverage up to $500,000 you will be happy to know there are fewer medical questions and no paramed at your house taking needles or fluids.   You can find out more about life insurance options here.  Please contact us today to make sure your loved ones are not left burdened by debt.

How Can I get Guaranteed Issue Life Insurance?

Guaranteed Issue life insurance solutions are self-serve products, not available through Life Insurance Advisors.

CoverMe Guaranteed Issue is $25,000 maximum

CoverMe Easy issue Life is up to $75,000 and is offered with only a few easy health questions

CoverMe Term Life is up to $250,000 and is offered with an easy application but requires sharing of medical information

FollowMe Life is for those who are leaving a workplace and replacing their group life insurance

You can find out more and apply on this website

Do you offer Travel insurance?

Yes, you can get a quote and apply through our on-line application.



Do you offer Mortgages?

As a general rule, whether you want a mortgage or a Line of Credit or simply to consolidate debt, we recommend you speak with our partners at Manulife Bank.

On rare occasions, we can set up a Line of Credit against your investments here, or you could apply for a margin account.  Please let us know if we can refer you to a Manulife Banker who can come to your home and discuss your borrowing needs. 

Do you offer ETF's?

Yes!  ETF's (Exchange Traded Funds) are a way of investing in a diverse portfolio of securities at a lower cost because they are track an index or basket of assets, rather than relying on a Portfolio Management team.   Please have a look at five common myth's about ETF's.  Since ETF's are a product that does not embed compensation to Dealers or Advisors in its costs, we offer ETF's to any client on our Premier Investment Program, which allows investors to pay separately for service and products.  

Do you prepare tax returns?

We review clients tax returns as part of our financial planning process, so that we can provide recommendations on tax-efficient solutions, RRSP, TFSA, retirement income and tax-minimization strategies. However, we do not prepare client tax returns and we recommend you see a specialist in tax preparation for your income tax returns. 


What is the Value of an Advisor?

Having a Financial Advisor has been shown to increase household wealth over time.  A Financial Advisor can help with budget and savings plans, setting goals, ensuring you have emergency funds, protecting your family with insurance, investment and asset allocation choices, addressing emotional concerns about money, avoiding mistakes in investments, and structuring accounts for minimal tax and estate impact.  A Senior Investment Advisor with Manulife Securities Incorporated, Elaine Kelly also fulfils the experience, education, and ethics requirements of being a Certified Financial Planner.  The research shows that Canadians who rely on a financial advisor to guide their financial decisions are wealthier, more confident and better prepared for the financial implications of marriage, a new child, their children’s education, retirement and other life events. Click here to find the research on:  Are Financial Advisors Worth it?

Can you service my existing insurance policy?

As an independent Life Insurance Advisor, licensed through Manulife Securities Insurance Inc, I provide service to my clients for insurance policies bought through me.  I also offer new life insurance quotes and policies and can convert an existing policy to a new policy.  However, if you have an existing life insurance policy, from Manulife or one of the firms Manulife purchased, such as Standard Life or Confederation Life, or a Group policy, you need to contact the advisor who sold you the policy, or check the advisor of record on your latest insurance statement, and contact them.  That advisor, or the one who has taken on their business, can provide service on your policy, such as changing an address or banking information or updating your beneficiaries.  You can also call Client Services for Manulife Insurance at: 1-888-626-8543.


How do you get paid?

As a Certified Financial Planner and Senior Investment Advisor for Manulife Securities Incorporated, and Life Insurance Advisor for Manulife Securities Insurance Inc., I am a full-service financial advisor.  I do continuing education and continuous client service to ensure your portfolio is suitable and that you are on track to meet your goals.  Generally my clients compensate me by paying a percent on the assets I administer for them, without commissions for investment transactions.   For Mutual Funds held under the traditional model, the compensation to the Dealer and Advisor is embedded in the Management Expense Ratio (MER).  Click here for an infographic on the value you receive for your mutual fund fees.  Those who qualify for our Premier investment program, can use the new fee-based model to pay separately for products and for services.  The Premier investment program allows us to use a broader range of product choices, including low-cost F-series funds, no-load funds, ETF's, stocks and other securities.   The fully transparent Premier fee can be tax-deductible in non-registered accounts (see your tax specialist).   Please refer to the Important Client Information Brochure for more details on fee disclosure.  We are always looking for ways to minimize your costs, and to maximize the value you receive.

Do you have a Minimum Account Size?

There is a cost to providing full-service advice and financial planning, and we aim to provide the best value to our clients.  The Premier Investment Program, is often most economoical for client households who invest a minimum of $250,000.  For those who are using the traditional model, we can cover our costs by using a combination of investment and insurance products that generate a minimum of $1,000 of compensation embedded in the products.  Exceptions are made where you are part of a larger household or an existing client who is grandfathered.  We are always happy to meet new people to see whether or not we may work together to help you achieve your financial goals. 


What does CFP mean?

CFP stands for Certified Financial Planner, and it is a certification awarded by the Financial Planning Standards Council of Canada (FPSC) to those who meet appropriate standards of education, examinations, experience and ethics.  To ensure CFP® professionals remain well-versed in comprehensive financial planning once they have attained CFP® certification, they are required to complete 30 hours of continuing education every two years.  Elaine Kelly has been a CFP professional since 1998.  A CFP follows the‚Äč as outlined by the FPSC:

Premier Investment Program

The Premier Investment Program is a fee-based account that offers a range of investment services and the ability to hold a wide variety of investment products including mutual funds and individual stocks and bonds. Virtually every investment offered at Manulife Securities can be held in a Premier plan.
In addition to transparency, objectivity and accountability ­– the hallmarks of a fee-based account – the Manulife Securities Premier Investment Program can benefit my clients in a number of ways:

  • You pay for advice, not trades – transactions are incidental and are not the differentiating factor in assessing the value I offer
  • Advisor compensation is completely transparent and agreed upon, and because the costs associated with trades or other services are reduced or eliminated, you can fully understand what you’re paying for your investments

The fee-based solution provides the medium for developing a strong, customized portfolio at a cost that is generally less than the cost associated with traditional mutual funds.

  • Fees can be paid outside of your portfolio; this means your portfolio return need not be reduced to pay fees and assets can grow faster
  • When a fee is paid for investment advisory services on a portfolio outside of an RRSP, the fee is generally tax deductible
  • Because compensation can be based on portfolio value, fees will rise or decline based on the performance of the portfolio; this assures you that my primary interest is the growth of your portfolio

To learn more, please click here or contact me.