Devine And Associates Financial Services Inc.

Helping you reach your health and wealth goals.

Let’s work together towards your financial goals while protecting what matters most to you.

Devine And Associates Financial Services Inc.

Job title: Realize your worth

Languages spoken: English

Trustworthy advice you can count on

Your financial strategy should be as unique as you are. Whether you’re just starting out, about to enter retirement, or somewhere in between, a strong financial roadmap can help you reach your short and long-term goals. Let’s work together to protect what matters most to you and help you secure your future. Reach out to get started. Let’s get you there.

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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?

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.

Stay informed

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Episode 48: End of year Q&A session with Darren Devine, James Butler, and Bonnie Forbes.

In this special year-end Q&A, Darren, James and Bonnie tackle the most-asked questions of 2025: gambling vs. investing, FOMO around AI/crypto, dividend investing and risk management, and how to set a plan you can actually stick to. Clear answers, plain language, and practical next steps to help start 2026 with confidence.

Want a second opinion on your plan? Book a 20-minute intro call today at DevineAndAssociates.ca.

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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.

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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

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Office information

Main Guelph Office

Phone:

(519) 780-1730

Email:

darren.devine@sunlife.com

Address:

10 Suffolk Street East, , Guelph, ON, N1H 2H6 Canada

Office hours:

Monday: 8 a.m.- 4 p.m.

Tuesday: 8 a.m.- 4 p.m.

Wednesday: 8 a.m.- 4 p.m.

Thursday: 8 a.m.- 4 p.m.

Brantford Office

Phone:

2262279280

Toll Free:

18667801730

Fax:

5195789992

Address:

325 West Street, A203, Brantford, ON, N3R3V6

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