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Manulife Securities Incorporated

2845 Bristol Circle

Oakville, ON L6H 6X5

Canada

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While pension assets represent an important source of retirement income, locking-in restrictions can hamper retirement income planning flexibility. By making full use of maximum withdrawal limits, thousands of dollars of pension savings can be unlocked while remaining tax-sheltered.

Individuals with pension savings often transfer these assets to a locked-in plan, such as a Life Income Fund (LIF) to provide retirement income. While a LIF provides a certain degree of flexibility, the annual minimum and maximum withdrawal limits can restrict retirement income planning.

You are able to unlock a portion of your locked-in savings without losing the benefit of tax-sheltered investment growth.

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Manulife Securities Incorporated

2845 Bristol Circle

Oakville, ON L6H 6X5

Canada

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