Why do you need to focus on Product Allocation?

Consolidate client assets - When approaching retirement, clients will deal with one advisor if that advisor can demonstrate expertise in both the asset gathering and income generation phases of investment planning

Extend the length of client relationships - For life Product allocation strategies allows you to retain clients throughout the retirement phase of their lives.

Increase the value of your book of business - Expand your range of products to gather additional assets while being viewed as the advisor of choice for your clients.

Becoming Your Client′s Advisor of Choice

When accumulating assets, many individuals don′t put all of their retirement savings with a single advisor because they believe it is far too risky from a diversification standpoint. However, attitudes are beginning to change*. Perhaps many investors are beginning to realize that when it comes to creating a retirement income plan, the greater risk is not having a financial advisor who knows their complete financial picture.

"When asked directly, more than four-in-ten (43%) of affluent households agree that they want one financial advisor to advise on all aspects of their financial matters (46% in 2005, 35% in 2003)**."

Consolidating advisors can have its benefits

Becoming Your Client′s Advisor of Choice

Understand retirement income products and benefits

Work with strong and stable financial companies who have products and resources specifically designed to meet retirement income needs

Have the knowledge and tools to conduct a complete retirement income review to determine clients′income needs

Recommend the appropriate product allocation mix to maximize clients′ retirement income potential, while at the same time minimizing the financial risks they face

Why Manulife Investments?

At Manulife Investments, we strive to provide our business partners with the products, tools, programs and services to help you develop retirement income plans that meet your clients′ long-term needs.

Innovative product portfolios — Back-tested product portfolios combining annuities, GMWBs and SWPs to match your clients′ requirements for growth and guaranteed income

Leading asset management — Manulife Investments provides access to some of North America′s leading portfolio managers through a fully diversified line-up of investment funds. Funds under management of Cdn$ 400 billion (U.S. $393 billion) as at June 30, 2008

Practice Management Support —Printed and electronic-based brochures, worksheets and letters to provide you with materials to take clients through the retirement income planning process

For more information, call your Manulife Investments wealth management wholesaler and ask about how product allocation strategies can become an integral part of servicing your clients′ retirement income needs.