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Retirement doesn’t mean the end of a paycheque — it means redefining where it comes from. In this episode of Money Monday, we explore how retirees can create reliable monthly income in 2026.

#MoneyMonday #RetirementIncomePlanning #RetirmentPlanning
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Many Canadians underestimate the power of the TFSA — especially in retirement. In this episode of Money Monday, we break down why the TFSA may be one of the most flexible and underused tools in your retirement plan.

#MoneyMonday #RetirementPlanning #TFSAPower
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The RRSP deadline isn’t just about making a last-minute contribution. It’s a chance to pause, look at the bigger picture, and make sure your RRSP decisions still make sense for your tax situation, income needs, and retirement timeline.
In this Money Monday episode, Darren Devine walks through three smart RRSP moves Canadians should consider before the March 2 deadline.

#MoneyMonday #TaxSmart #RetirementPlanning #CanadianTaxSeason
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Episode 53: Three smart tax moves retirees should review before filing their return.

Episode 53: Three smart tax moves retirees should review before filing their return.

Tax season isn’t just about submitting forms — it’s an opportunity to reduce unnecessary tax and make sure your retirement income strategy is still working the way you intended.
In this Money Monday episode, Darren Devine shares three tax moves retirees should consider before filing, helping you avoid common oversights and keep more of your retirement income working for you.
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Episode 52: Do You Have a Written Plan — or Just “Good Intentions”?

Episode 52: Do You Have a Written Plan — or Just “Good Intentions”?

Many people assume they’re “on track” because they’ve saved money.
But without a written plan, it’s hard to know if your retirement income, taxes, and estate plans will actually work together when it matters most.
In this Money Monday episode, Darren Devine explains why clarity beats guesswork — and how a written plan helps you retire with confidence, not crossed fingers.
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New year, new rhythm.
We’ll help you confirm who’s named where, steady your income, refresh your will/POA, and organize the essentials—so money stuff feels a little lighter.

#MoneyMonday #Widowed #NewlySingle #EstatePlanning #Beneficiaries #POA #RetirementPlanning #Ontario
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Start the year steady.
Five small January habits keep your plan running smoothly: snapshot your finances, confirm withdrawals, review protection, update paperwork, book your check-in.

#MoneyMonday #JanuaryChecklist #RRIF #LIF #EstatePlanning #InsuranceReview #RetirementPlanning
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Episode 49: New Year, New Budget: How Retirees Can Help Beat “Creeping Costs”

Episode 49: New Year, New Budget: How Retirees Can Help Beat “Creeping Costs”

Prices crept up—has your plan kept pace?
Give your budget a gentle reset: review food/travel/family help, lock in what matters, trim what won’t be missed, and pressure-test for inflation.

#MoneyMonday #RetirementBudget #CostOfLiving #CPP #OAS #Inflation #CanadianRetirement
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Episode 48: End of year Q&A session with Darren Devine, James Butler, and Bonnie Forbes.

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

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?

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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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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Episode 43: Are you Gambling or Investing?

Episode 43: Are you Gambling or Investing?

The difference between gambling and investing isn’t luck, it’s discipline.
Many Canadians mistake speculation for strategy, risking more than they realize.
Darren explains how to stay grounded, avoid emotional decisions, and focus on a long-term plan that actually help build wealth.
Talk to us today at DevineAndAssociates.ca
#InvestSmart #FinancialPlanning #MoneyMonday #WealthBuilding #DevineAndAssociates
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Episode 42: The 3 Things Every Ontario Homeowner Needs to Know Before Downsizing

Episode 42: The 3 Things Every Ontario Homeowner Needs to Know Before Downsizing

Thinking about downsizing? For many Ontarians, it’s not just about a smaller home—it’s about unlocking equity, reducing expenses, and preparing for the next stage of life. Darren breaks down the 3 essential things every Ontario homeowner should consider before making the move.
#Downsizing #RetirementPlanning #OntarioRealEstate #FinancialPlanning #MoneyMonday
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Did you know that fraud losses in Canada climbed from $383M in 2021 to $567M in 2023? Cyber threats are rising, and protecting your wealth now means protecting your digital footprint too. In this episode, Darren shares simple, powerful steps you can take to help keep your finances safe in a connected world.
#Cybersecurity #FinancialWellBeing #ProtectYourWealth #FraudPrevention #MoneyMondayCanada
Sources: Government of Canada & Yeo & Yeo
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Episode 40: Small Business Week: Protecting & Growing Your Business Wealth

Episode 40: Small Business Week: Protecting & Growing Your Business Wealth

Running a business is more than day-to-day operations, it’s about protecting your legacy and building long-term wealth. During Small Business Week, let’s talk about how investment strategies, succession planning, and insurance protection can help your business thrive today and tomorrow.
#SmallBusinessWeek #BusinessPlanning #WealthManagement #SuccessionPlanning #FinancialPlanningCanada
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Episode 39: Women & Wealth: Your Financial Power Is Growing

Episode 39: Women & Wealth: Your Financial Power Is Growing

Canadian women are set to control nearly $4 trillion in assets by 2028—but many still feel hesitant about investing and retirement planning. It’s time to change that. Your financial voice matters, and we’re here to help you use it with clarity and confidence.

Statistic Sources:
CIBC: http://bit.ly/48alG69
Edward Jones: http://bit.ly/4n6ymQ4
BMO: http://bit.ly/4nmUbuw
Mintel: http://bit.ly/4m7dRS2
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Your life changes—your insurance should too. Whether it’s a growing family, a new home, or changes in your career, the coverage you set up years ago might not meet your needs today. Let’s review your policies to make sure your insurance is still protecting what matters most.

#InsuranceReview #FinancialPlanning #ProtectWhatMatters #MoneyMonday
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A legacy is more than what you leave—it’s how you’re remembered.
Explore ways to pass on more than just assets.
Start planning today: DevineAndAssociates.ca

#MoneyMonday #LegacyPlanning #EstateGoals
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Your estate plan only works if your family knows about it.
Here’s how to start the conversation—before it’s too late.
We're here to help at DevineAndAssociates.ca

#MoneyMonday #FamilyPlanning #EstatePlanning #TalkAboutTheWill #LegacyConversations
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