THE SIMPLE CHOICE

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It's All About the Plan!

To invest successfully over a life time does not require a stratospheric IQ, unusual business insight, or inside information. What’s needed is a sound intellectual framework for decisions and the ability to keep emotions from corroding that framework. Warren Buffett

The key to this and to reaching your financial goals is a comprehensive written financial plan that establishes your goals and priorities. Whether you are paying off debt, starting to save, managing your investment portfolio, building or selling a business, saving for your or a loved one's education, planning your retirement, estate planning, or starting to receive retirement income, a written plan forms the cornerstone for your success.

Meet our 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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Commitment to Value

Our actions are driven by trust, reliability, empathy, prudence, and innovation. We are committed to contributing positively to the quality of our clients’ lives, and their financial future. With respect and confidentiality, we will give priority to your goals and concerns and work exclusively for your benefit.

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Marilyn Joyal, B.A., CFP

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Marilyn Joyal, B.A., CFP

Financial Advisor, Manulife Wealth Inc.
Life Insurance Advisor, Manulife Wealth Insurance Services Inc.

Marilyn Joyal is a Financial Advisor with Manulife Wealth Inc. and a Life Insurance Advisor with Manulife Wealth Insurance Services Inc. Marilyn, after leaving rural Manitoba where she was born and raised, attended the University of Winnipeg where she obtained a Bachelor of Arts. After working for a number of years in the pension and retirement benefits field and assisting her husband, Sheldon Joyal, in his building and renovations business, Marilyn obtained her Certified Financial Planning designation in 2003 and joined Manulife Wealth Inc..

Marilyn focuses on the financial wellness of her clients. Financial wellness is defined as having an understanding of your financial situation and taking care of it in such a way that you are prepared for financial changes. Maintaining that balance consists of being comfortable with where your money comes from and where it is going. Marilyn's goal is to achieve financial wellness for her clients by working with them to:

build awareness of their financial situation
assist them in establishing financial goals
empower them to change or adapt behavior
achieve their goals through informed choices in the financial planning process.

By developing a plan, Marilyn works with her clients to invest, grow, and protect their wealth always remaining focused on the big picture!

Marilyn enjoys spending time with her husband, children, and granddaughters at their Grand Beach cottage and volunteering with a range of community causes including working with Reaching Across Borders, a non-profit organization that raises funds for children's education and the micro-financing of women's businesses in Senegal, Africa. She also enjoys spending time in her gardens and sharing the apple and cherry pies that she bakes from the bountiful harvests she gets from her fruit trees!

Patrick Joyal

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Patrick Joyal

Administrative Assistant, Manulife Wealth Inc.

Bio coming Soon

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 asks 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, current insurance coverage, 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

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.

Women and Investing

It is no secret that life for women is getting more and more crazy and chaotic as the years pass. Between work commitments, a social life, and taking care of their family, how do they prioritize their financial goals? When was the last time they reviewed their budget? Are they confident that their money will work for them in the long-term? Are they obtaining their goals? It is possible for women to feel more confidence in their financial future.

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Socially Responsible Investing

9 out of 10 Investors say that when making investment decisions it is important to choose products and services that are consistent with their overall values. Some of the areas you may be concerned about are ones you may have seen in the news. Impacting issues like oil spills, factory collapses, worker exploitation, and community protests.

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Goals-Based Investing

Goal-Based Investing is a completely custom-tailored retirement solution build uniquely for you. It focuses on finding solutions for your personal income goals. The days of worrying about your finances against the stock market are over! Instead, Goal-Based Investing works with you.

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TFSA VS RRSP

Starting to save money is important at any point in your life. But, with so many bank account types and options out there, how do you decide which one is best for you? Whether you are deciding to save for the long-term, or the short term, the saver must decide whether to make that investment in a TFSA, a RRSP, or perhaps a combination of both! How you decide is dependent upon your goals, but it also depends also your time horizon and tax situation.

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Managing Cash Flow

Often people say they want to save or invest but they get caught up in the mechanics of where to deposit the money instead of first focusing on how they are managing their cash flow. Earning income and paying bills is not exactly “cash flow management”… it is survival.

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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 options that offer peace of mind. We can provide educated advice and expertise in:

Life and Health insurance
Travel insurance
Disability and Critical illness protection

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