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Gold Standard in Financial Planning

Certified Financial Planner® professionals have demonstrated the knowledge, skills, experience and ethics to examine their clients’ entire financial picture, at the highest level of complexity required of the profession.


Teraca Moffatt, CFP Photo

Teraca Moffatt, CFP

Financial Advisor, Manulife Securities Incorporated
Insurance Representative, Manulife Securities Insurance Inc.


  • Certified Financial Planner (CFP)
  • Insurance Representative for Manulife Securities Insurance Inc.
  • Over 25 years industry experience

Teraca is a married mother of two adult children and understands the current financial planning and tax issues facing today’s busy families. Teraca began her career in the financial services industry as a financial planner with Investors Group in 1992. She later moved to Berkshire Securities who was purchased by Manulife Securities Incorporated in 2007 where she currently works. Her team includes Senior Financial Advisor Darrel Sim and trusted Assistant Virag Kawakami. Teraca helps her clients navigate the complexities of financial services, and takes the mystery out of financial planning, through her unique “Wealth Management Program”. Through her one on one client clarity meetings, Teraca focuses on comprehensive planning and helps clients get their complete financial house in order in ALL six areas including:

  • Tax planning
  • Estate Planning and beneficiary audit services
  • Investment management
  • Risk Management Insurance planning and legacy planning
  • Debt and cash flow management

With her years of industry experience, she is able to take a very complicated issue and break it down into an easy to understand road map to the future. This gives her clients a greater probability of success in reaching their goals, and confidence to achieve them.

Even though Teraca’s office is located in SW Calgary she serves the Calgary and surrounding area. She is mobile and makes house calls. Meetings can be booked at her office, your office, your home – whatever is more convenient.

When not at the office Teraca enjoys gardening, camping in Kananaskis and the Shuswap, with friends and family, and curling at the Garrison Curling Club.

Address: 1615 - 10th Avenue SW Suite 205
Calgary, Alberta, CA
T3C 0J7
Business: 403-239-2008
Toll Free: 1-877-518-8654
Email: teraca.moffatt@manulifesecurities.ca
Virag Kawakami Photo

Virag Kawakami

Client Services Coordinator, MANULIFE SECURITIES INCORPORATED