Himmelman and Associates, Financial Advisors Inc., Halifax, Nova Scotia

Our Team

Move the mouse over the faces to meet the Team

The firm offers excellence in financial advisory services using a team approach to solve the challenges that face today's family, business
owner and professional. The firm specializes in providing comprehensive investment, tax and estate planning.

Brian Himmelman, B.Comm., CFP
Certified Financial Planner,
Manulife Securities Investment Services Inc.

Brian Himmelman is a Senior Investment Advisor and Certified Financial Planner. He is a graduate of Saint Mary’s University with a Bachelor of Commerce degree in Finance. He is often interviewed by the local newspapers and magazines on investments, tax and estate planning.

Questions you should ask yourself:

1.	Do I have a written financial plan outlining my current situation with recommendations to help me achieve my financial goals and objectives?
2.	Does my current advisor/institution have access to ALL products and investments?
3.	Am I dealing with a Certified Financial Planner?
4.	Does my current advisor retain a Chartered Accountant for consultation before recommending tax and estate planning strategies?
5.	Does my current advisor or institution keep me advised of changing circumstances that could affect my plan or improve my present situation?
6.	Do I receive timely accurate statements presented in an easy to understand format?
7.	Do I feel I am in a long-term relationship with a team of professionals who care about helping me achieve my goals?
7.
If you answered 'No' to any of these questions, we can be of service to you.

Frequently Asked Questions:

	What Range of Products does Himmelman & Associates have access to?
	What fees do Himmelman & Associates clients pay?
	What fees are involved in transferring existing accounts to Himmelman & Associates?

Our firm has access to the widest range of financial products available in the marketplace. We select the best financial products available for each individual situation.

Listed below are just a few of the world class investment companies that we feel comfortable recommending and often work with:

We do not charge a fee for the initial consultation and subsequent meetings. We feel this is our opportunity to earn your confidence. Your decision to use our services will only be made if you feel comfortable with the level of professionalism displayed during the consultation process.

There is no ongoing management fee charged to our clients. In almost all cases, we are paid by the financial institution offering the investment, therefore, our clients do not see a charge. Most clients prefer to purchase mutual funds on a basis of no acquisition fee and only a potential declining redemption fee.

Mutual Funds and other securities are often transferred into the firm from other institutions, in many cases without any cost incurred by the client. GICs must wait until maturity to be transferred. There are no tax consequences to any transfers within an RRSP or RRIF. Before any investments are recommended to be transferred, an analysis of the transferring institution's costs is always completed.

Our firm offers excellence in financial advisory services
using a team approach to solve the challenges that face
today's family, business owner and professional.

We specialize in providing comprehensive investment, tax,
and estate planning delivering the highest level of personal
advice and service.

Manulife Securities Investment Services Inc. is a member MFDA IPC.

Our Philosophy (Continued)

Tax planning and minimization is a key component of the financial plan for most clients. As part of the overall plan, strategies such as income splitting, prudent use of leverage and family trusts are evaluated.

Each client's account is monitored on an ongoing basis to take advantage of opportunities created by changing circumstances. In addition, each plan is reviewed annually and appropriate adjustments are recommended.

We make ourselves as accessible to clients as possible. All telephone calls are returned the same business day, either personally, or by one of our assistants.

We believe that our best client is one who is fully informed. As a result, we have a strong commitment to client communication through regular newsletters, seminars and guest speakers. In addition, we maintain a library of some of the very best books on personal finance, available for loan to all our clients.

Security

Himmelman & Associates are licensed Account Representatives with Manulife Financial. Brian Himmelman is also a licensed Account Representative with Manulife Securities Investment Services Inc.

About MANULIFE

Manulife Securities Investment Services Inc. is a wholly owned subsidiary of Manulife Financial.

Manulife Financial is a leading international financial services company. With a 110 year tradition of service, the company has over $80 billion in assets and consistently receives excellent ratings from the top international rating agencies. Manulife Financial maintains a strong international presence with more then 200 offices around the world.

Our Philosophy

Our relationship with our clients starts with the development of a comprehensive financial plan to achieve their long-term financial goals. As part of this plan, we cover the investment, insurance, tax and estate planning aspects of each client's situation.

We strive to serve as our client's chief financial advisor. As part of this role, we coordinate the activities of existing professional advisors such as tax accountants and estate lawyers. If required, we also tap into our own network of professional advisors.

Our investment philosophy is essentially conservative in nature. Operating within each client's risk profile, an investment portfolio is structured which will achieve long-term growth without undue risk -- as a result, our clients and our firm sleep soundly at night.

Monica Stiner, C.E.B.S.
President, Financial Strategies Group Inc.

Monica Stiner is a Certified Employee Benefit Specialist. Monica has over 14 years experience working with national consulting firms and two major insurers. She specializes in providing employee benefit solutions to our private sector clients.

Barbara Adams
Manager, Client Services

Barbara is a valuable member of the Himmelman & Associates team. She is responsible for all day to day operations including client inquiries, statements and all processing and transactions. She is currently working towards her BComm. in Finance at St. Mary’s and her Canadian Securities Course.

Pam Kemp,
Manager, Client Service

Pam is a valuable member of the Himmelman & Associates team.
Pam is responsible for all day to day operations including client inquiries, statements and all processing and transactions. Pam takes pride in providing our clients with the most professional and courteous service.

Disclaimer

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual fund securities are not guaranteed, their values change frequently and past performance may not be repeated.

Gordon Giacomin, B.Comm., CA,
Advanced Tax Specialist

Gordon Giacomin is a Chartered Accountant and tax specialist. As a value added benefit to Himmelman & Associate’s clients, Gordon is available for consultation in areas of taxation and estate planning.

Client Testimonials

"My wife and I have been dealing exclusively with Brian for the past five years. During that time we have found him very knowledgeable and he helps make our financial decisions easy. The energy and enthusiasm he contributes to our portfolio is very much appreciated."

Mark Laprise, VP
Schooner Industrial Products Ltd.

"Very satisfied with financial performance. Honesty in answering questions has increased the level of trust. I don't worry about my investments."

William Kwiecien, Lender
First National Trust


© Copyright 2002 True inSite, All Rights Reserved