Devine And Associates Financial Services Inc.

Job title: Realize your worth

Languages spoken: English

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Realize your worth

With over twenty years of service and thousands of satisfied Clients, our team of advisors and support staff work with you to create a financial plan that helps you achieve what you want it to. 


We go beyond just sitting down and getting to know you. We learn what you really want, what complex challenges you face, and we break them down into simple, actionable options. Our job is to understand you.  


How hard is your money working?

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A dollar doesn’t go as far as it once did. That’s why it’s important get your money out in the world working hard and earning steadily. Together, that’s what we’ll help you do.  


Products and services

Browse through the product and services offerings below to learn more. Every financial and protection strategy is different. When we meet, we’ll discuss what might be right for your unique situation. Reach out if you have any questions or are ready to get started.

Health insurance products

Health insurance gives you financial coverage to help pay for health-care needs. This insurance goes above and beyond Canadian health-care coverage.

Life insurance products

Life insurance allows you to protect the people you love by providing your beneficiaries a tax-free cash payment when you die.

Saving, budgeting and investing

Reaching your financial goals starts with a budget and savings plan. Let’s make your money go further.
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New technology will never replace old-fashioned service

There’s no app for hard work and extra effort. Up early, working late. When it comes to managing your financial plan, we don’t take shortcuts. Reaching out on a regular basis to check in to assess your plan and revise it if necessary. We’re accessible, dependable, and always there when you need us.  

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Stay informed

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Episode 46: 8 Overlooked Ways to Save on Taxes in Retirement

Episode 46: 8 Overlooked Ways to Save on Taxes in Retirement

Taxes don’t stop in retirement—but smart planning can help you pay less. In this Money Monday, Darren Devine, CFP, CLU, walks through 8 overlooked tax-saving ideas for Canadians: earlier RRSP drawdowns, CPP/OAS timing, income splitting, TFSA withdrawals, OAS clawback control, Age Amount and Pension Income credits, plus claiming medical expenses.
Need a plan? Book a 20-minute intro call at DevineAndAssociates.ca.
Episode 45: Should You Top Up Your RRSP or TFSA?

Episode 45: Should You Top Up Your RRSP or TFSA?

Both RRSPs and TFSAs help Canadians grow wealth — but knowing which to prioritize depends on your income, goals, and tax situation.
Let’s review your strategy before year-end.
Start today at DevineAndAssociates.ca
#RRSP #TFSA #TaxPlanning #RetirementReady #MoneyMonday #DevineAndAssociates #FinancialPlanning
Episode 44: 5 Things to Know About Transitioning Your Cyber Identity

Episode 44: 5 Things to Know About Transitioning Your Cyber Identity

In today’s world, your legacy extends beyond bank accounts and property, it’s digital too.
From Facebook to online banking, your cyber identity lives on unless you plan ahead.
Darren explains five simple ways to help protect your digital footprint and ensure your loved ones can access or close online accounts without legal or emotional stress.
Include your digital life in your estate plan. Talk to us today at DevineAndAssociates.ca

#DigitalLegacy #EstatePlanning #CyberIdentity #FinancialWellbeing #MoneyMonday #DevineAndAssociates

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Sunlife
We are contracted with Sun Life Financial Distributors (Canada) Inc., a member of the Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.