Here you can find many investment, insurance, and income tax resources, information on pensions and retirement planning and our financial planning approach, as well as many links to fun, educational videos and handy calculators!  Look for our fresh News and Blogs!  

Check the tabs and drop-down menus along the top of the site or click on a button below.  Use our "Contact Us" form or email to start the conversation.  Clients may login to our Client Access Portal to view accounts and to message us securely.   You can find out about my industry education hereCheck my designations by clicking on the logo of the issuing organization:





Secure Sign In

Client Access

Your consolidated portfolio access, 24/7

How we are paid

Yes, we are paid for what we do.  As a Certified Financial Planner and Investment Advisor for Manulife Securities Incorporated, and Life Insurance Advisor for Manulife Securities Insurance Inc., I do continuing education and continuous client service to ensure your portfolio is suitable and that you are on track to meet your goals.  Generally my clients compensate me by paying a percent on the assets I administer for them.   For Mutual Funds, this fee can be visible or embedded in the Management Expense Ratio (MER), which often runs between 1.9% and 2.6% of the assets.  We are always looking for ways to minimize the fees you pay, and to maximize the value you receive, and are happy to discuss all of the alternatives with you.  Click here for an infographic on the value you receive for your mutual fund fees.




  • Certified Financial Planner, Manulife Securities Incorporated

  • Life Insurance Advisor, Manulife Securities Insurance Inc.

Address: 23 Church Street
St Catharines, Ontario, CA
L2R 3B4
Business: 289-479-5512
Business: 289-448-5300
Fax: 289-804-0789
Toll Free: 1-855-461-9751
Email: elaine.kelly@manulifesecurities.ca

Solutions - Fall 2016

In the Fall 2016 edition:

  • Five smart money moves
  • Not your parents' life insurance
  • Tax corner: The clawback conundrum

GIC Rates

We survey GIC rates daily at over 20 financial institutions and secure a rate that is better than most banks/credit unions and provides full CDIC deposit insurance from each financial institution while holding the GIC's in one convenient account.  Contact Me tab for today's rates!



Britain has voted to exit from the European Union - it is big news, and the uncertainty is causing some market volatility.  Be patient, as this exit will take time to execute, and over time the uncertainties will become known and the clouds will clear!  See this brief video with commentary from Manulife about the Brexit results, and watch for more updates.  https://www.youtube.com/watch?v=84bOOm9siuk

Financial Concept Videos!

If you're the kind of person that likes visuals and action, check out these videos on financial concepts



Deposit Insurance

You may hold high interest savings or GIC's from a number of financial institutions in your nominee account at Manulife Securities Incorporated, and these are covered by Canada Deposit Insurance Corp. 

Subscribe to our mailing list for our E-Newsletter and blog updates

Try it! Subscription is free and you can unsubscribe at any time
* indicates required


If you are a Millennial, find out what you need quickly here:

Mid-Way Challenges

If you are juggling a busy schedule, young children, career and family, debt and savings, you've come to the right place:


Preparing to Retire

If you are fewer than ten years from retiring, you are likely getting serious about planning - click this image:


If you are retired or semi-retired, click this image to find out more about retirement income, pensions, tax, and managing risks.