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FOCUS.
PROFESSIONALISM.
INTEGRITY.

See how we can help

FOCUS | PROFESSIONALISM | INTEGRITY

Whether you’re self-employed, a business owner with employees or looking to set up your own plan, we have a financial solution tailored for your unique situation. We will help you coordinate your financial goals through education, best tax practices, and sensible investing that minimize risks and form the basis of your tailored strategy.


Meet the Team

We pride ourselves in offering sound, honest, financial advice based on education, knowledge and experience.

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Services & Solutions

Whatever your stage in life, we can help you feel financially assured with a variety of financial products and services to meet your specific needs.

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Client Resources

Your financial life doesn’t have to be complicated. Bookmark this helpful page for your one-stop-shop for your financial tools and Resources.

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Understanding Your Needs

We practice full disclosure, due-diligence, and client communication, while working in a collaborative atmosphere with our clients. Our services are designed to help you build a lasting foundation for lifelong financial security and personal success. This includes collaborating with other professionals to provide expert advice and best in class solutions.

FOCUS

As your trusted partner we are available to provide insightful advice to enable you to make informed financial decisions.

PROFESSIONALISM

We combine expertise and experience to give each client the close personal and professional attention they deserve.

INTEGRITY

We maintain the highest ethical standards when it comes to our clients. This is reflected in our tailored advice and actions.


Life is busy enough.

Let us help you meet your financial goals!

Michael Morganti Photo

Michael Morganti

INVESTMENT ADVISOR - MANULIFE WEALTH INC.

Michael rapidly distinguished himself the moment he entered the field of Wealth Management. He’s become an indispensable member, especially to his high net worth clients. A true believer in total wealth planning, Michael prides himself on his transparency and sensitivity to the evolving needs of his clients. Known for listening first and taking the long view, he often works with business owners and professionals who require more complex solutions. In turn, his clients value the perspective and insights inherent in his planning-based approach and his forward-thinking recommendations.  

With studies in Economics from Concordia University and with 15 years at Scotia Wealth & TD Wealth and 3 years at Manulife Wealth Inc., Michael has an in depth understanding of the subtleties of the marketplace.  

A skilled hockey player, Michael made the ranks of Junior AAA before putting that aside to pursue a career in Finance. Michael is the proud father of Damiano, 9 years old, and Camila, 6 years old. He has been happily married to his wife Clara for the past 12 years.

 


Laura Ceparu Photo

Laura Ceparu

FINANCIAL SECURITY ADVISOR - MANULIFE WEALTH INSURANCE SERVICES INC.

 

Our Process

We strive to exceed your expectations every day.

While our efforts will be focused on helping you achieve your objectives, our ultimate goal is for you to surpass them. After all, you’re investing time, money and energy into working with us, and we want to make sure you’re getting maximum value out of our relationship. Throughout our time together, we’ll be constantly looking for new ways to get you closer to where you want to be.

6-step Financial Strategy Process


STEP 1: Establishing and defining the client-advisor relationship

We explain or document the services to be provided and define the responsibilities along with the responsibilities of the client. The advisor and client should agree on how long the relationship will last and on how decisions will be made.

STEP 2: Gathering client data and determining goals and expectations

We will ask about your financial situation, personal and financial goals and attitude about risk. We then gather all necessary documents at this stage before giving you any sound advice.

STEP 3: Analyzing and evaluating the client's financial status

We analyze the information to assess your current situation to determine what must be done to achieve your goals. Depending on the services requested, this assessment could include analyzing your assets, liabilities and cash flow, investments or tax strategies.

STEP 4: Developing and presenting the financial strategy recommendations and/or alternatives

We will offer educated recommendations that address your goals, based on the information you have provided. We review our professional recommendations with you to allow you to make the best informed decisions. We listen to your concerns and considerations, and revise our recommendations as appropriate.

STEP 5: Implementing the financial strategy recommendations

We work with you to agree upon how each recommendation should be carried out. Together, we may choose to have us carry out the recommendations for you or serve as a "coach", coordinating the process with you and other professionals such as attorneys or stockbrokers.

STEP 6: Monitoring the financial strategy recommendations

Together we will agree upon who, and how, we will monitor your progress towards your financial goals. We report to you periodically to review the financial situation and adjust any recommendations as needed. As our client, we will always keep you informed and knowledgeable when it comes to your financial strategy and situation.

Services & Solutions

It all starts with a plan

The Value of Advice

Your financial world is constantly 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.


Investment Solutions

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. Save, Invest and grow your wealth with strategies based on your unique priorities. We can provide educated advice and expertise in solutions such as:

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

Estate Planning

By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a legacy for your family or loved ones. Depending on your unique situation, there are different ways to achieve your estate planning goals, including business succession, wills, beneficiary designations, powers of attorney, trusts, tax strategies, and charitable gifts. 

TRY THESE ESTATE PLANNING RESOURCES

Estate Planning

Planning for Retirement

Planning for Retirement 

To enjoy your retirement, you’ll need a steady source of income and a plan uniquely tailored to you. We'll help you understand where your money will come from and when you’ll be able to access it, so you can gain confidence in the potential to grow your future income stream. Whether your focus is travel, leisure, or reaching new goals, there’s one factor that plays a role in every successful retirement — good planning. 

CONTACT US TO GET STARTED TODAY!

Banking Solutions 

Banking today is about instant access – whether you’re paying with a tap, transferring money, or depositing a cheque or looking for mortgage options. In a fast-paced world, you need your bank to keep up. Manulife Bank has flexible products that fit seamlessly into your day and help you achieve your financial goals.

LEARN MORE ABOUT MANULIFE BANK

OPEN AN ADVANTAGE BANK ACCOUNT TODAY!

Banking Solutions


For more information on services and solutions for your financial needs...

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