Greenfeld Financial Management

Some of you may be lucky enough to have group health and dental plan (H&D) through your employer. While the Canadian Dental Care Plan addresses dental coverage for eligible seniors, many clients are concerned about rising health costs during their upcoming retirement.

While there are a variety of options for H&D plans available for retirees, plan acceptance may hinge on them having an existing group plan or a clean bill of health

FollowMe™ H&D plans can help fill the gap.

Manulife Insurance* is currently running a promotion that opens enrollment for both FollowMe™ Basic and FollowMe™ Enhanced. It is now available with no requirement to transition from a group plan to an individual plan after retirement.

This open-enrollment initiative offers guaranteed-issue health and drug coverage (excludes dental), with no medical questions asked. For anyone with pre-existing health conditions, it is a great opportunity for them to receive flexible, reliable coverage without the usual questionnaire.

This offer is available for a limited time, starting July 1, 2025, to June 1, 2026, only to Canadian residents aged 18 to 69.

As more Canadians gain access to publicly funded dental care through CDCP, many are now looking for health and drug coverage without dental — and that’s precisely what FollowMe™ offers. Designed for simplicity, accessibility, and affordability, these plans fill a growing gap in today’s insurance market.

If you need H&D coverage but are concerned about the ability to get a plan, FollowMe™ may work for you.

If so, contact me before June 1st to get your enrolled.

Unstable, volatile or unpredictable – they’re the perfect ingredients for a heart-pounding film or gut-wrenching Stanley Cup final game.
But for money matters? Not so much.
A particularly timely situation facing many of my clients is the uncertainty created by policies south of the border. Clients are wondering how the market volatility will affect their
retirement portfolio and their long-term goals.

To that end, one product to consider is the Antrim balanced mortgage fund option.

This fund is Canada’s largest residential Mortgage Investment Corporation (MIC) and offers investors with a steady stream of interest income by investing in a diversified portfolio of
residential first and second mortgages. It’s a way for investors to be part of the Canadian real estate market without purchasing real estate directly.

Steady returns in turbulent times
Investors in the Antrim fund can expect to receive four quarterly payments plus an annual top-up. The Antrim Balanced Mortgage Fund has never had a quarter it has not paid a dividend since its inception in 2007. These investors have enjoyed decades of safe and steady returns, where the expected volatility drops immediately and security is locked in over time, especially in inflationary and rising-rate environments. Antrim investors earned more than 10% during the economic crisis in 2009.

Since Trump’s declaration of Liberation Day tariffs, there's been a lot of volatility and a lot of concerns that people have and they're not sure exactly where they should be investing.

The beauty of the MIC is that it’s invested only in mortgages. Antrim lends to borrowers who do not meet the bank’s strict debt servicing ratios, due to self-employment and income-splitting techniques to reduce income taxes. This route may for those who are self-employed or others who are new to Canada
who may have difficulties securing a mortgage from their bank.
The reason banks don't give mortgages to them is because they have no credit history and the banks aren’t interested in dealing with them. Antrim is a way to work around those issues.

If market fluctuations are a concern for you, the Antrim MIC provides you with low volatility, a superior yield, real security, a steady income and most importantly, an investment product that is relatively easy to understand.

Renewing your mortgage?

I’m excited to invite you to an exclusive Manulife Bank webinar where we’ll explore how Manulife One can help you take greater control of your finances and potentially save you thousands of dollars in mortgage interest!

Webinar Details:

Topic: Discover a Path to Becoming Mortgage-Free Sooner
Date: October 29th
Time: 6:00pm PST
Duration: 60 min (45 min presentation + 15 min Q&A)

What You'll Learn:
How Manulife One can simplify your finances by consolidating your debts and savings into a single account.
Strategies to reduce interest costs and pay off your mortgage faster than with a traditional mortgage.
Accessing the equity in your home in times of need or various financial goals like a home reno or travel.
Real-life success stories from Manulife One users.

With interest rates and inflation putting pressure on cash flow, it's more important than ever to make your money work smarter. That’s why I’m teaming up with Ardy Hossein-pour from Manulife Bank to introduce a flexible banking solution that combines your mortgage, savings, and income into one powerful account.

This session is informative only— designed to provide clear, actionable insights that could make a real difference in your financial plan, and your attendance will be completely confidential. Other participants will not see your name or contact information.

I have assisted many clients in becoming mortgage free faster!

Reserve your spot—we’d love to have you join us.
https://manulife-johnhancock.zoom.us/webinar/register/WN_0PbltBCwQPyfR8aIN6aXXA #/registration

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