604-463-6060 Like Manion & Associates on Facebook Follow Manion & Associates on Twitter View Manion & Associates YouTube Channel Manion & Associates RSS Feed Manion & Associates RSS Feed by email
Planning for everyday people with service, integrity and knowledge.
Tom Manion, Allen Larose, Kristian Manion of Manion and Associates Financial Planner Maple Ridge BC Retirement Planning Maple Ridge BC Financial Advisor Maple Ridge BC Estate Planning Maple Ridge BC Painter standing in front of van
Our Financial Services
  • Retirement Planning
    • Do you know when you're going to retire?
    • Do you know how you will retire?
    • Do you know what's beyond retirement?
  • Investment Planning
    • You've worked hard for your money, shouldn't it now work hard for you?
  • Insurance Planning
    • How will your family get by if you have a Critical Illness such as Cancer or a Stroke?
    • With your death or disability, how will your family pay the bills?
  • Estate Planning
    • Who will get the biggest chunk of your estate on your passing, your family or the government?
  • Employee Group Benefits
    • Are you a business owner looking to attract and retain good quality employees?
    • Do you want a tax deductible way to provide health and dental benefits to your employees and their families?
  • Tax Planning
    • Do you pay taxes?
    • Are you paying the least amount of tax?
  • Cash Management
    • Do you need a strategy to get out of debt and start saving money?

Purchasing life and critical illness insurance is a priority for many of us with huge implications if we don’t make the right choices. It can be a confusing exercise; the enormous range of options, limitations and fine print make it tough for a buyer to make an informed decision with any degree of confidence. That was my predicament until I contacted Kristian Manion. Kristian listened carefully to my needs. He researched and presented options to me and took me through a detailed review of the pros and cons of each one. There was no ‘hard sell’ to complete the deal. Instead, Kristian was concerned to make sure I made an informed decision and got the best products to meet my needs. He removed the uncertainty and has given me a sense of security. He knows his products, listens to his clients and goes further than the ‘extra mile’ to deliver outstanding client service. I recommend him very highly.

Chris Neep, Independent Management Consultant, Vancouver, BC

Full service financial planning and retirement planning serving Maple Ridge and Pitt Meadows

Client Driven Financial Planning

Client driven financial planning… it’s certainly a catchy-sounding concept, but what does it actually mean? Well, at Manion & Associates Financial Services in Maple Ridge, “client driven” means the client is in the driver’s seat any time a decision has to be made. It also means your best interests are the focus for everything we do, whether it involves financial planning, retirement planning, estate planning or just some good cash management strategies. Bottom line: your interests come first and you call the shots. That’s what “client driven” means at Manion & Associates Financial Services.

Financial Planning Isn’t Just About The Future

No good financial plan separates today from tomorrow. You have to live in the present, which means your plan can’t focus exclusively on the future. At Manion & Associates we know that retirement planning only works when you can find a balance between your current day-to-day financial needs and future needs. Any plan that focuses exclusively on the future is bound to fail, especially when it means living paycheque to paycheque today, or worse, accumulating ongoing debt. Manion & Associates takes a look at the big picture for each and every client, creating a sensible, realistic program that takes into account everything from monthly bills and tax planning to investing and retirement.

We Don’t Sell Products To Our Clients

At Manion & Associates we are very proud to say that our clients are never sold products. Instead, we lay out options and our clients choose the financial products that best suit their needs… the ones that benefit them the most. It’s a subtle but important difference because we want all of our clients to have success both now and in their future, and the best way to ensure that is to give them the knowledge and tools to make sound financial decisions on their own behalf.

Our Motto is Service Integrity Knowledge

We always strive to provide quality service, and our integrity means we always put our clients’ interests first. Knowledge means we either have the answers ready when you need them, or we can draw upon a network of professionals to provide the answers in short order.

Contact Manion and Associates at 604-463-6060 to have us help you reduce your financial stress.

Manion Financial News


Who does your financial planner work for?

Hint: the answer should be you!

Here’s a question for you… Who does your financial advisor work for? And who pays their salary?

It’s one of the first questions Tom Manion from Manion and Associates Financial Services asks when people him why they should trust their money to his team.

"It's actually not a question many people ask themselves because they just assume their financial advisor is working for them, but that’s not necessarily the case," says the veteran financial advisor. "If you think about it, anyone who has to answer to a manager or meet a sales quota is actually serving two masters – the client and a third party that has its own set of interests.

"Do you really want your financial advisor giving you advice based on what is good for the company, and not ncessarily for you?"

Tom notes that Manion and Associates Financial Services is completely independent of any particular financial product supplier, and are Financial Planners, first and foremost. This means the best interests of the client come first, even if that just means answering questions. "Unlike the advisors for numerous financial institutions, we are free to recommend any financial product we believe will serve the particular needs of a client. We're not limited to specific corporate brands, and we're not required to push certain products because they're the 'product of the month.'

"At Manion and Associates you have choices because we have choices, and that means we make recommendations based on what is best for your portfolio, your lifestyle, and your family's needs."

Here’s another question for you…Who is your financial advisor today, and who will it be next year?

"One of the problems with a lot of the big financial institutions is turnover," says Tom’s partner, Allen. "You develop a relationship with someone over the course of a couple of years and then one day you phone and that person is no longer with the company."

Which wouldn't be that big a deal if everyone else in the office knew you, your situation, your file and so on. But chances are they don't, because you are just a file to the company, and you're back to square one in an effort to bring the new person up to speed. At Manion and Associates Financial Services that isn't likely to happen. It's a close knit team, a family run local business, with a family-friendly atmosphere, and the whole team is involved in the care of each client's needs.

"It's all about consistency," says Tom. "The members of our team have been together for a long time, they each bring specific strengths to the team, and each is fully capable of working with each of our clients to ensure continuity and seamless service."

At Manion and Associates Financial Services they practise what they preach – service, integrity and knowledge – and they have only one boss… you, the client.


The Importance of an Estate Plan

It's usually not the first thing on people's to do list, but the truth is estate planning should be a priority at almost any age. 

Proper estate planning is a way to ensure a simple, organized and tax efficient transfer of your assets to your loved ones on your passing. Proper estate planning should also be updated on an ongoing basis, especially when the circumstances change in your life. The following are some points to think about when developing your estate plan:

Your Will

Your will is a legal document setting out your wishes on how your assets will be distributed upon your death. A will generally contains the following: 

  • who will be responsible for administering your estate (choosing an Executor)
  • how your estate and property will be distributed
  • the beneficiaries of your estate

Naming Beneficiaries on Insurance Contracts

Naming specific beneficiaries on your insurance contracts (such as life insurance or segregated fund contracts) can allow death benefits to bypass your estate. By bypassing your estate the beneficiary will receive the funds privately and avoid probate, which can significantly reduce administration fees. Also, by avoiding your estate the death benefit proceeds can potentially avoid claims made by any creditors.

Minimize Taxes Owing on Death

There are different strategies you can use to minimize taxes owing on your final tax return thus leaving more money to your loved ones. Some of these strategies can include:

  • Maximizing "spousal roll-overs" on eligible assets such as RRSP's
  • Giving gifts and cash away while you are still alive
  • Making charitable donations 
  • purchasing life insurance that has death benefits payable directly to a beneficiary