Copyright Manulife. This podcast, including case studies and support materials, is for general information purposes only and is not specific to any one individual or case. This podcast shouldn’t be relied on for specific financial, legal, tax, accounting or other advice. Opinions expressed are those of Manulife and are subject to change based on legislative, case law, market and other conditions that may change during the course of recording and publishing this podcast. Manulife isn’t responsible for any losses arising from any use of the information in this podcast. The Manufacturers Life Insurance Company (Manulife) is the issuer of Manulife insurance contracts, contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. Manulife Investment Management is a trade name of Manulife.