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Kaspardlov & Associates
101-880 North Service Road E. Windsor, ON N8X 3J5
Toll-Free: 1-877-974-4429

Kaspardlov and Associates is a trade name used to carry on business related to life insurance and stocks, bonds and mutual funds are offered through Manulife Securities Incorporated. Insurance products and services are offered through 1362201 Ontario Limited 0/a Kaspardlov & Associates. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada, additional disclosure information will be provided upon referral. Manulife Securities is an indirectly, wholly-owned subsidiary of Manulife Financial Corporation (MFC). MFC owns The Manufacturers Life Insurance Company (MLI), a financial services organization offering a range of protection, estate planning, investment and banking solutions through a multi-channel distribution network. MLI owns Manulife Securities Incorporated, Manulife Securities Investment Services Inc. and Manulife Securities Insurance Inc. MLI also owns Manulife Bank of Canada, a federally chartered Schedule 1 bank, which in turns owns Manulife Trust Company, a federally chartered trust company. Please confirm with your advisor which company you are dealing with for each of your products and services. Dessa Kaspardlov from Kaspardlov and Associates is the author of The Fireman and the Waitress. Manulife Securities has not created nor endorsed this book or any of its contents. Any opinions, advice, statements, services, offers or other information contained in this book are those of the author and not of Manulife Securities or any of its affiliates.

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