PlanRight. Advisors focused on your employees financial health THE MANUFACTURERS LIFE INSURANCE COMPANY

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1 PlanRight Advisors focused on your employees financial health THE MANUFACTURERS LIFE INSURANCE COMPANY

2 When it comes to saving and investing for the future, Canadians are looking for help. Research from Manulife and Ipsos Reid indicates that, on average, one in every three Canadian employees could be struggling with their finances. 1 1 Manulife / Ipsos Reid Health and Wealth Wellness Study

3 For companies looking to help their employees plan for their retirement and promote good financial health, the message is clear: despite best efforts, many employees are feeling unprepared about their finances, and they re failing to make the most of their group savings plans. What employees want is a more personalized approach towards financial planning and they re looking to their employers for help. ACCORDING TO THE MANULIFE FINANCIAL WELLNESS STUDY 2016 INDEX: 56% of employees don t currently have a financial advisor. Financial stress and your bottom line: Research suggests that financial stress affects an employee s ability to bring their best to work each day. 2 Of those experiencing a low level of financial wellness, 79% reported that dealing with money causes them stress. Those struggling with their finances reported being significantly less healthy, less productive and twice as likely to be distracted and unfocused at work. The bottom line? Companies that offer financial planning services through their service provider may gain a happier, more engaged and more productive workforce. 73% of employees would like to be more confident about making financial decisions. 2 Manulife s Financial Wellness Study - Benchmark

4 The PlanRight advantage To help provide your employees with the additional financial advice they need, we ve created PlanRight a comprehensive program backed by a dedicated team of licensed, non commissioned financial advisors employed by Manulife for their expertise. A PlanRight advisor: Has obtained, or is working towards, a Certified Financial Planner (CFP) designation. Is licensed to sell life insurance, mutual funds and/or individual securities. Does not receive sales commissions and is a salaried, full time Manulife employee. Provides advice at no cost to employees. Personalized one-on-one advice PlanRight advisors will: Work one-on-one with your employees to provide personalized advice on how to make the most of their workplace savings plan and their personal finances. The PlanRight five-step process: Step 1 Complete a comprehensive written questionnaire to determine specific client needs and goals. Step 2 Develop a financial plan. Step 3 Present the plan and discuss options. Step 4 Implement the plan. Step 5 Monitor results through follow-up meetings. Focus on the needs of your employees, conducting a thorough analysis of their personal financial situation. Use a disciplined five-step process to help your employees determine the right mix of financial products that suits their individual needs and goals. 4

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6 The PlanRight advantage for you Assisting the Plan Sponsor in meeting its obligations under the Guidelines for Capital Accumulation Plans by offering employees personally relevant information through PlanRight advisors. Manulife assumes all liability for the services provided to employees by a PlanRight advisor. Licensed advisors who know the details of your group plan and can help employees with their financial planning efforts. Non-commissioned financial advice. A support team that will set-up and deploy the service to your employees and track results. 6

7 PlanRight and get more from your workplace savings plan Studies show that a financially prepared employee is less stressed, more focused and better positioned to provide greater value to you, their employer. 3 By providing access to Manulife PlanRight advisors, your employees can be more confident in using your group plan and benefit from a more comprehensive approach to financial planning that can help them achieve a range of financial goals. 3 Manulife s Financial Wellness Study Benchmark

8 Contact your Manulife Representative to learn more about how PlanRight advisors can help your employees. Manulife, the Block Design, the Four Cube Design, Strong Reliable Trustworthy Forward-thinking and PlanRight are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under licence The Manufacturers Life Insurance Company. All rights reserved. Manulife, 25 Water Street, P.O. Box 396, Waterloo, ON, N2J 4A9 GP5842E 03/18 AODA