Devine and Associates Financial Services Inc.

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Devine and Associates Financial Services Inc. We are a team dedicated to helping our clients achieve financial success. James Butler*, CFP, B. Comm
Financial Planner, Sun Life

We are Sun Life advisors.

Darren Devine*, CFP, CLU
Financial Planner, Sun Life
President of Devine and Associates Financial Services Inc. These are our personal opinions and do not constitute professional advice nor do they reflect the official position of Sun Life. A clear connection: Your relationship with Sun Life can be viewed by copying and pasting the following link, bit.ly/3FevgFo. Advisors and their corporations conduct insurance business through Sun Life Financial Distributors (Canada) Inc.

*Mutual fund business is done with your advisor through Sun Life Financial Investment Services (Canada) Inc.

Long before we understood investments, interest rates or retirement accounts, most of us were already learning something...
10/15/2026

Long before we understood investments, interest rates or retirement accounts, most of us were already learning something about money.
We watched how our families spent.
How they saved.
Whether money was discussed openly—or never discussed at all.
Those experiences can influence how we think about security, spending, risk and financial success years later.
Understanding your finances isn't only about understanding the numbers.
Sometimes it's also about understanding you.

What did you learn about money before anyone actually taught you about money?

10/14/2026

Could you actually retire tomorrow?
You may know how much you've saved for retirement, but do you know what those savings could mean for your future?
Retirement readiness isn't just about reaching a savings goal. It's about understanding how your money can support the life you want to live.
How much income will you need? How long will your savings last? Will you have the flexibility to enjoy retirement while managing your everyday expenses?
These are the questions that turn retirement savings into a retirement strategy.
Because being ready to retire isn't just about how much you've saved. It's about knowing what your savings can do for you.
Whether retirement is just around the corner or still a few years away, understanding your financial picture can help you move forward with greater confidence.
Don't just wonder if you're ready. Let's find out together.

10/13/2026

Watching the value of your investments fall can feel uncomfortable—even when market fluctuations are expected.
That's partly because we're human.
Behavioral finance describes our tendency to experience losses more strongly than equivalent gains, which can make staying objective difficult when markets become uncertain.
A financial plan can't remove emotion from money.
But it can give you something more reliable than emotion to come back to when things get uncomfortable.
Your long-term strategy shouldn't be rewritten by every short-term feeling.

Have a plan before emotions have a chance to make one for you.

10/05/2026

What if the government could contribute significantly more to a registered savings plan than you put in yourself?

For Canadians who qualify for the Disability Tax Credit, an RDSP can provide access to valuable government grants and bonds designed to support long-term financial security.

In this episode of Money Monday, Darren Devine explains how Registered Disability Savings Plans work, who may be eligible, and why families shouldn't overlook this important savings opportunity.

09/30/2026

Information answers:
"How does this work?"
Planning answers:
"What does this mean for me?"
That's an important distinction—especially when the decisions you're making could affect decades of retirement.

Let's put the information into context.

09/29/2026

There's more financial information available today than ever before.
And sometimes that's exactly the problem.
Articles, calculators, videos, podcasts and social media can help you understand your options—but they don't necessarily tell you what those options mean for your life.
At some point, more information stops creating clarity.
That's when a conversation can help.

Ready to turn information into a plan?
📞 519-780-1730

09/24/2026

Retirement doesn't mean income disappears.
It means the way you create income changes.
For many Canadians, the retirement "paycheque" comes from several different sources—and deciding how those pieces work together is an important part of retirement planning.

You've spent decades building your savings.
Now you need a plan for how to use them.

Saving for retirement and living in retirement are two different financial challenges.During your working years, the foc...
09/23/2026

Saving for retirement and living in retirement are two different financial challenges.
During your working years, the focus is often accumulation.
In retirement, the conversation shifts toward income, withdrawals, taxes, longevity and making your resources work together.
Different stage. Different questions.

Approaching retirement?
Let's talk about what comes after saving.

09/22/2026

A strong retirement plan doesn't need to predict exactly what the next 30 years will look like.
It needs to be prepared for change.
Longevity. Rising costs. Markets. Family. Lifestyle.
The future will always contain some uncertainty.
Your plan should have room for it.

How adaptable is your retirement plan?

09/21/2026

Every retirement plan starts with assumptions.
When you'll retire. What you'll spend. Where you'll live. Who you may need to support. And how long your money may need to last.
But life changes—and sometimes the assumptions your retirement plan was built on need another look.
In this episode of Money Monday, Darren Devine explores four important assumptions worth revisiting to make sure your retirement plan still reflects the life you're actually planning to live.

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10 Suffolk Street East
Guelph, ON
N1H2H6

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm

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