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The financial guidance you want.
The clarity and trust you need.

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Make Better Decisions

When it comes to your financial future, the decisions you make today can change the course of your life. Choosing the right financial strategy, considering long-term care, preparing for retirement and navigating these complex matters can quickly become overwhelming.

M. Jones Financial Services helps you coordinate your lifestyle and financial goals, through education, best tax practices, sensible investing and insurance solutions that minimize risks and form the basis of your plan.

Meet the Team

We pride ourselves in offering sound, honest, financial advice based on education, knowledge and experience.

Learn more about us

Services & Solutions

Whatever your stage in life, we can help you feel financially assured with a variety of financial products and services to meet your specific needs.

See how we can help

Client Resources

Your financial life doesn’t have to be complicated. Bookmark this helpful page for your one-stop-shop for your financial tools and Resources.

Check out our financial Resources

“An investment in knowledge pays the best interest.” – Benjamin Franklin

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About Us

Commitment to Value

 Located in Bedford, Nova Scotia with offices in NS , NB and PEI,  our actions are driven by trust, reliability, empathy, prudence, and innovation. We are committed to contributing positively to the quality of our clients’ lives, and their financial future.  Regular communication and sound investment advice has helped us build long term relationships based on trust, common sense and integrity. 

Think of our relationship as a partnership, working to achieve your financial goals.

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Meet your Team

Our philosophy is simple...

We are committed to our clients and dedicated to working diligently and ethically to provide expert advice that will enable our clients to make well informed decisions that will enable them to develop a reliable plan to meet their financial goals.

Michael A Jones, 1sup1MFA-P™1/sup1 Photo

Michael A Jones, 1sup1MFA-P™1/sup1

President, Life Insurance Representative,1nl1M. Jones Financial Services1nbsp1Inc.1nl11nl1Senior Mutual Funds Representative,1nl1Manulife Wealth1nbsp1Inc.

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Kathy Cavanaugh

BA, CFP - INSURANCE REPRESENTATIVE

M. Jones Financial Services Inc.

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Martin Mollish Photo

Martin Mollish

BSc(Hons), CFP - Insurance Consultant

M. Jones Financial Services Inc.

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Karl Hillyard Photo

Karl Hillyard

Assistant Branch Manager, Financial Representative

Manulife Wealth Inc.


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Shelley Flemming

Life Insurance Administrator

M. Jones Financial Services Inc.

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Client Sales Assistant | Manulife Wealth Inc.

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Amanda Mosher

Executive Assistant

M. Jones Financial Services Inc.

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Client Sales Assistant | Manulife Wealth Inc.

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What you can expect from Michael Jones


  • Ongoing monitoring and regular reviews of your Investment accounts, insurance policies, taxes, etc.).
  • Have your calls and emails returned within one business day (or sooner if the matter is time sensitive).
  • Full disclosure of every commission or fee related to every transaction.
  • Never receive a recommendation that has not been thoroughly investigated in advance.
  • Be treated with the utmost respect and integrity at all times.
  • Receive honest advice and feedback even if it’s hard to hear.


  • More than just a business relationship; a genuine personal relationship that takes your circumstances, values, and goals into consideration at all times.
  • Trust that we are knowledgeable, registered, and up-to-speed with important developments that have the potential to impact you.
  • Be fully informed about all strategic decisions regarding your accounts before any change is made.
  • Have your privacy carefully guarded, and to never have your personal information shared with someone who is not entitled to it.

What Michael Jones expects from Clients


  • Fully disclose accurate information about your financial status and investment objectives, including goals, risk tolerance, and other pertinent details.
  • Ask any questions you have about recommendation we make.
  • Ensure you understand and are comfortable with all strategies, investments, risks, cost, and fees associated with your account.

  • Immediately notify us of any changes in your financial situation, and of major life-events such as divorce, loss of a loved one, loss of a job, or another significate occurrence.
  • Be honest with us about any accounts or investments you have with another firm, or that you personally manage.
  • Read all sales literature and fund facts provided to you.
  • Let us know if we fail to meet your expectation in any way, or if you don’t understand or agree with any active we take.

6-step Financial Strategy Process


STEP 1: Establishing and defining the client-advisor relationship

We explain or document the services to be provided and define the responsibilities along with the responsibilities of the client. The advisor and client should agree on how long the relationship will last and on how decisions will be made.

STEP 2: Gathering client data and determining goals and expectations

We will ask about your financial situation, personal and financial goals and attitude about risk. We then gather all necessary documents at this stage before giving you any sound advice.

STEP 3: Analyzing and evaluating the client's financial status

We analyze the information to assess your current situation to determine what must be done to achieve your goals. Depending on the services requested, this assessment could include analyzing your assets, liabilities and cash flow, current insurance coverage, investments or tax strategies.

STEP 4: Developing and presenting the financial strategy recommendations and/or alternatives

We will offer educated recommendations that address your goals, based on the information you have provided. We review our professional recommendations with you to allow you to make the best informed decisions. We listen to your concerns and considerations, and revise our recommendations as appropriate.

STEP 5: Implementing the financial strategy recommendations

We work with you to agree upon how each recommendation should be carried out. Together, we may choose to have us carry out the recommendations for you or serve as a "coach", coordinating the process with you and other professionals such as attorneys or stockbrokers.

STEP 6: Monitoring the financial strategy recommendations

Together we will agree upon who, and how, we will monitor your progress towards your financial goals. We report to you periodically to review the financial situation and adjust any recommendations as needed. As our client, we will always keep you informed and knowledgeable when it comes to your financial strategy and situation.

Our Services & Solutions

The Value of Advice

Your financial world is constantly changing and understanding how or if it affects you can be overwhelming. That’s why the value of financial advice is more important now than ever before. We aim to help simplify your goals, giving you added confidence in your financial decisions – now and in the future. Contact us today to receive information, or advice on the services and products available for your specific needs.

Start the Conversation!


Investment Solutions
  

Investment Solutions

Whether you're investing for the first time, saving for the future or embarking on retirement, we can help you enjoy today while you prepare for tomorrow. Save, Invest and grow your wealth with strategies based on your unique priorities. We can provide educated advice and expertise in solutions such as: 

  • Registered retirement plans (RRSP, RRIF)
  • Segregated funds and GICs (Guaranteed Interest Contracts)
  • Tax-free savings account (TFSA)
  • Annuities and more....
Insurance Solutions
  

Insurance Solutions

It's not what we have in life, but who we have that matters. With the right Insurance solutions, you can protect the people you care about most with easy-to-understand options that offer peace of mind. We can provide educated advice and expertise for solutions tailored to your needs. Some of which include:

  • Travel, Life and Health insurance
  • Disability and Critical illness protection
  • Insured Retirement plans and extended health care
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Banking Solutions
  

Banking Solutions

Banking today is about instant access – whether you're paying with a tap, transferring money, or depositing a cheque or looking for mortgage options. In a fast-paced world, you need your bank to keep up. Manulife Bank has flexible products that fit seamlessly into your day and help you achieve your financial goals.

Learn more about Manulife Bank OPEN AN ADVANTAGE BANK ACCOUNT TODAY!
Planning for Retirement
  

Planning for Retirement

To enjoy your retirement, you’ll need a steady source of income and a plan uniquely tailored to you. We'll help you understand where your money will come from and when you’ll be able to access it, so you can gain confidence in the potential to grow your future income stream. Whether your focus is travel, leisure, or reaching new goals, there’s one factor that plays a role in every successful retirement — good planning.

CONTACT US TO GET STARTED TODAY!
Estate Planning
  

Financial & Estate Planning 

By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a legacy for your family or loved ones. Depending on your unique situation, there are different ways to achieve your estate planning goals, including business succession, wills, beneficiary designations, powers of attorney, insurance, trusts, tax strategies, and charitable gifts. 

TRY THESE ESTATE PLANNING RESOURCES
Group and Business Solutions
  

Group and Business Solutions

Find simple, cost effective and tax efficient plans to attract and retain the best talent. Stay competitive as an employer and keep your plan members engaged by helping manage their health and wellness. Whether you are a small or large business, we will meet with you to assess your needs and explain your options, some of these could include:

  • Group benefits & Group retirement
  • Group pension
  • Competitive employee benefits
  • Business and key-person insurance
  

For more information on services and solutions for your financial needs...

Contact Us Today


Stay in Touch

Getting started is as easy as 1,2,3!

Get to know us a bit better by understanding our values, the process of how we work and what that means for you, our client. Our website and articles are a great place to start. When you are ready, follow these three steps.

Step 1

Contact us today to set up a complimentary consultation in-person or online. Yes, it is that simple! 

Step 2

At your first in person meeting, we work with you to make sure we understand your unique situation, your values, goals and concerns. We will also collect your financial documents that will allow us to complete our analysis.

Step 3

We will analyze and review your financial strategy with you, and when you are happy, we begin to implement the road-map.  We work closely to tailor your plan to the time you have, and the financial goals you want.

Let's Get Started!

While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us.  For your convenience, send a message with the form below or call today.

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