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.




  • Senior Investment Advisor, 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

Good Advice

goes a long way

Working with an advisor allows Canadians to be more confident about their financial futures and usually results in higher savings rates.  Take a loook at the value of advice and how advisors get paid here. 

Financial Concept Videos!

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



GIC's and Deposit Insurance

We survey rates for Guaranteed Interest Certificates (GIC's) daily at over 20 financial institutions and secure a rate that is better than most banks/credit unions.  You receive the convenience of having GIC's from several financial institutions in one nominee account at Manulife Securities Incorporated, and all of them are covered by Canada Deposit Insurance Corp. 

Contact me for today's rates!


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.

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