The financial guidance you want.

The clarity and trust you need.

Effective financial planning is more than just planning for your money - it’s planning for your life.

Welcome to Manulife Wealth Orangeville

with Financial Planners - Liem Le, CFP^® and Ryan Todd, CFP^®

Thank you for visiting and learning more about us. When you are ready, we’d love to learn more about you.
Whether it’s to just answer a few questions, or to setup an appointment, we are just a phone call or an email away.

Let's Talk!

Money means something different to each of us.

Whether you see it as a way to enjoy life, protect yourself from pain, or take care of the ones you love, the way you feel about money affects the financial decisions you make every day. When you understand what your money means to you, you can make clear, smart choices about your financial life.

See how we can help.

We're here to make sure you succeed

We work on your behalf

We’re not limited to just one bank, one product, or one service.
Being completely independent means that your goals and our goals are the same and that there will never be a conflict of interest that gets in the way of that.

Who are we?

We are Financial Planners, the kind with their credentials hanging on the wall. For the past 20yrs, we’ve been proud to live, work and raise our families here as members of the community. There’s a good chance you’ve seen us around town.

Who are our clients?

Our clients are our friends, family, and neighbours. They are people who value guidance and help when it comes to retirement planning, investing and life insurance. They value that we take the time to understand their unique position and goals as the most important step to what we do.

What sets us apart?

We are not a bank. We do not have sales quotas to meet. We won’t sell you a credit card or any other product that doesn’t suit your specific needs. We manage your investments the same we manage our own. If we wouldn’t invest our own money into something, we won’t invest yours.

So what’s
the offer?

Spend an hour with us.

Let’s chat, get to know each other, and see if we want to work together. Allow us to show you the difference between an experienced, independent Financial Planner and the Big Banks.

CONTACT US TODAY

Liem Le, CFP®

Financial Planner, Manulife Wealth Inc.

Read Bio

Liem Le, CFP®

Financial Planner, Manulife Wealth Inc.

As a practicing planner since 2009, I always try to understand every client’s unique situation, goals, and what's most important to them. While the decision to become independent after 16 years with a major bank was extremely difficult, I know the move was done for the right reason. I am now in a position to be a better planner by being unbiased and free from being required to recommend or use any proprietary products.

Personally, I have lived in Orangeville for the past 36 years and my appreciation for the area has only grown now that I am a father to three loud, dance-crazy girls. I have also been lucky enough to be married for the past 10 years to a loving wife, who has encouraged and supported me every step in my career. When I'm not changing diapers, I spend as much time as I can listening to music, watching sports, and cursing Tom Brady.

Telephone: 519-942-6024
Email: liem.le@manulifesecurities.ca

Ryan Todd, CFP®

Financial Planner, Manulife Wealth Inc.

Read Bio

Ryan Todd, CFP®

Financial Planner, Manulife Wealth Inc.
Independent Life Insurance Advisor

I began in the Financial Services industry in 2000 and became a Financial Planner in 2007. I believe that everyone needs to have a clear idea of where they are going and what they need to do to get there. For that reason, it is important to me to get to know my clients and to understand what they are looking to achieve prior to and during Retirement. After working for 16 years with a major Canadian Bank I made the decision to become an independent Financial Planner and, with my partner, opened a Manulife Wealth Inc. office here in town. I believe that doing this will allow me to better serve my clients by providing truly independent advice without being held to proprietary investment sales targets.

I have lived here in Orangeville since 2000 and my family and I love participating in the local community. When I’m not in the office I’m likely driving the kids around to the local Arenas or Dance and Gymnastic Clubs or Volunteering with the 3rd Orangeville Scouts. I may also be enjoying some time outside with friends or trying to improve my guitar skills.

Telephone: 519-942-6024
Email: ryan.todd@manulifesecurities.ca

See what we can do for you

Providing the value of advice

Markets are continually changing and understanding how or if it affects you can be overwhelming. That’s why the value of financial advice is more important now than ever before. We aim to help simplify your goals, giving you added confidence in your financial decisions – now and in the future.

Insurance Solutions

It’s not what we have in life, but who we have that matters. With the right Insurance solutions, you can protect the people you care about most with easy-to-understand insurance options that offer peace of mind and put precious time back where it belongs – in your hands. We can provide educated advice and expertise in:

Life and Health Insurance
Travel Insurance
Disability and Critical Illness Protection

Investment Solutions

Whether you’re investing for the first time, saving for the future or embarking on retirement, we can help you enjoy today while you prepare for tomorrow. Meet your personal wealth and business needs with integrated investment services or start to save, invest and grow your wealth with strategies based on your priorities now and as they change over time. We can provide educated advice and expertise in:

Registered retirement plans (RRSP, RRIF)
Locked-in retirement account (LIRA)
Registered education savings plan (RESP)
Tax-free savings account (TFSA)

Estate Planning

The best time to start planning for your estate is today. By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a legacy for your family. An estate plan is essential for organizing your financial affairs and providing for the well-being of your family.

Depending on your unique situation, there are different ways to achieve your estate planning goals, including wills, beneficiary designations, powers of attorney, insurance, trusts, tax planning, and charitable gifts and foundations. Contact us today to learn more about the steps you can take in planning for your legacy.

Planning for Retirement

Goals-Based Investing focuses on helping you meet your income goals, not about performing against a stock market. Driven by advanced analytics that illustrate what your retirement spending needs could look like in the future, you can gain a higher degree of confidence in the potential to grow your future income stream.
Whether your focus is travel, leisure, family time or reaching new goals, there’s one factor that plays a role in every successful retirement — good planning. Contact us today to learn more.

Group and Business Solutions

Find a simple, cost effective and tax efficient plan based on the size of your business to attract and retain the best talent. Stay competitive as an employer and keep your plan members engaged by helping manage their health and wellness. Whether you are a small, medium, or large business, we will meet with you to assess your needs and explain your options.

Group Benefits
Group Retirement
Group Pension
Competitive Employee Benefits
Business Insurance

Your Resource Centre

NEED ANSWERS?

Can't find what you are looking for? Do you have questions about the tools and resources below, or would like more detail?
Don't hesitate to reach out to us today, we're happy to help!

✉ CONTACT US

COVID-19 – BENEFITS AND SERVICES ↗

From the Government of Canada: Benefits to help Canadians and businesses facing hardship as a result of the COVID-19 outbreak.

GET INSURANCE PLANS ONLINE

Travel Insurance

When you or someone you know is travelling, choose the travel plan that’s right for you. Get help covering unexpected or emergency medical expenses when you travel – including COVID-19.

Get a Free Quote or Apply Online ↗

Health & Dental Insurance

Having the right coverage is crucial, and we're making it simple with insurance plans that are easy to understand and easy to buy. Save on costs not covered by your current plans and help protect yourself and loved ones.

Get a Free Quote or Apply Online ↗

MANULIFE VITALITY

We want you to live your longest, healthiest life. That’s why there’s Manulife Vitality - a program that can reward you for all of the little things you do to stay healthy. Learn more

SIGN IN TO YOUR ACCOUNT ↗
SIGN UP NOW FOR VITALITY ↗

CLIENT LOGINS

For more information on Manulife, visit www.manulife.ca

Group Benefits Online

Manulife group benefits plan members can now submit their claims online.

SUBMIT A CLAIM ONLINE ↗

Group Retirement Online

Manulife group retirement members can log in to their account here.

SIGN IN ONLINE ↗

Manulife's Mobile App

The only app you need to manage your Group Benefits and Group Retirement plans with Manulife.

For more information on Manulife Bank, visit www.manulifebank.ca

Manulife Bank Accounts

Find the account that’s right for you. Bank with confidence through one of the Manulife Bank accounts.

OPEN YOUR ACCOUNT ↗

Manulife Bank Mobile

Deposit cheques at work, pay bills at the store, and send money without leaving home. Download the Manulife Bank app today.

Manulife Bank deposit rates are subject to change. Visit manulifebank.ca/rates for additional details. Manulife Bank of Canada is a member of Canada Deposit Insurance Corporation.

Government of Canada

For more information on the Government of Canada, visit www.canada.ca - The official website of the Government of Canada

My Service Canada Account

Apply, view and update your Employment Insurance (EI), Canada Pension Plan (CPP), Canada Pension Plan Disability (CPP-D) and Old Age Security (OAS).

Sign in to My Service account ↗

CRA My Account

My Account is a secure portal that lets you view your personal income tax and benefit information and manage your tax affairs online.

Sign in to CRA My Account ↗

CRA My Business Account

My Business Account is a secure online portal that provides an opportunity to interact electronically with Canada Revenue Agency (CRA) on various business accounts.

Sign in to My Business account ↗

*Some of the content through these links may be subject to the copyright of another party. Where information has been produced or copyright is not held by the Government of Canada, the materials are protected under the Copyright Act, and international agreements. Information posted by the Government of Canada is subject to the Copyright Act.

FINANCIAL RESOURCES

Tax Tips & Tools

Try these helpful links and articles to learn more about your taxes.

CRA Tax Tips ↗

CRA Filing your Taxes Q&A ↗

Charities and Giving ↗

Homeowner tax credits you should know about ↗

Understand your notice of assessment ↗

Source: Government of Canada

Helpful Links

Estate Planning Tools

There are many decisions you will have to make when you draft a Will. If not thoroughly considered, some of these decisions can have unintended consequences. Try the Will Planning Workbook and Will Planning Checklist below.

WILL PLANNING WORKBOOK ↗

Estate Planning Questionnaire for Business Owners ↗

Checklist of Executor’s Duties ↗

Why Do I Need A Will? (Brochure)

FINANCIAL TOOLS & CALCULATORS

We are here to help. Contact us to help explain your results and what they mean for your situation.

InsureRight Needs Calculator ↗

Use your financial information today to help decide how much insurance you may need.

InsureRight Quick Quote ↗

Find out how much insurance you may need to help protect your family.

Budget Planner Tool ↗

Create your customized budget and receive personalized tips to improve your finances.

Mortgage Calculator ↗

Determine what you can afford, and estimate what your expected payments may be.

Financial Goal CALCULATOR ↗

Calculate how to pay down your debt and reach your financial savings goals.

Retirement Income Calculator ↗

Estimate your retirement income, employer pensions and other sources of income.

Retirement Savings Calculator ↗

Find out how much you will need to save for your retirement savings goal.

Tax-free Savings Calculator ↗

See how your savings can grow faster inside a TFSA than in a taxable investment.

*These 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. I (we) do not guarantee that these calculators are reliable, accurate or complete or that they will be compatible with your computer.

INSIGHTFUL VIDEOS & MAGAZINES

The Canada child benefit is a tax-free monthly payment made to eligible families to help them with the cost of raising children under 18 years of age.

With everything going on, you may be thinking about your coverage … so we thought we’d take a minute to talk about how insurance works.