Devine and Associates Financial Services Inc.

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 co

nduct 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.

06/02/2026

Most people focus on growing their accounts.
But over time, accounts that aren’t coordinated can quietly create:
→ unnecessary complexity
→ missed opportunities
→ unclear retirement strategies
The real value of financial planning isn’t just what you own — it’s how everything works together.
If your finances feel disconnected,
it may be time for a second look.

06/01/2026

Many people feel like they’re on track for retirement — but confidence and clarity aren’t always the same thing.
In this episode of Money Monday, Darren Devine walks through five important questions that can help reveal whether your retirement plan is truly aligned with your goals.

05/27/2026

There’s a lot happening right now that’s outside of your control.
→ Markets move.
→ Interest rates shift.
→ Costs change.
And it’s easy to get pulled into all of it.
But strong financial plans aren’t built on predictions — they’re built around what you can actually influence.
Because confidence doesn’t come from controlling the market. It comes from understanding your plan.

05/26/2026

One of the most expensive financial mistakes often doesn’t happen during your lifetime — it happens after you’re gone.
In this episode of Money Monday, Darren Devine explains why outdated beneficiary designations can create unintended outcomes, tax surprises, and unnecessary stress for families.

05/26/2026

Interest rates are a big topic right now — and with that comes a lot of uncertainty.
But the real question isn’t what rates will do next… it’s whether your plan is positioned to handle whatever comes.
Changes in rates can impact more than people expect — from income and investments to how long your money needs to last.
Clarity doesn’t come from predicting.
It comes from being prepared.
If you’re not sure how your plan is positioned, it might be time for a second look.

More information doesn’t always lead to better decisions.Clarity does.Get yours today at DevineAndAssociates.ca ...
05/21/2026

More information doesn’t always lead to better decisions.
Clarity does.
Get yours today at DevineAndAssociates.ca

05/20/2026

There’s a lot of conversation right now about interest rates — and whether they’re good or bad.
The truth is… they’re a bit of both.
Higher rates can create opportunities in some areas, while creating pressure in others.
That’s why the real impact isn’t about the rate itself — it’s about how everything in your plan works together.

Because when your strategy is coordinated, the outcome can look very different.
It’s not about good or bad → it’s about having a plan that adapts.

05/19/2026

Most people focus on how much they’ve saved.
But retirement isn’t about a number — it’s about income.
Where does your paycheck come from?
How long will it last?
And how do you draw it in a tax-efficient way?
That’s where everything needs to work together.
Because confidence in retirement doesn’t come from having money — it comes from knowing how it supports your life.
A plan doesn’t just grow your money, it shows you how to use it.

05/18/2026

AI is evolving quickly — and so are concerns about privacy, security, and regulation.
In this episode of Finance Forward, Darren Devine explores three important things Canadians should understand about how AI is being regulated and how personal financial information is being protected.

05/14/2026

Most people measure progress by how much they’ve saved.
But retirement confidence doesn’t come from a number — it comes from knowing how everything works together.
How long will your money last?
Where will your income come from?
Are you drawing it in a tax-efficient way?
These are the questions that truly determine whether you’re on track.
And they’re best answered before they become concerns.
If you’re not sure how these pieces come together, it might be time for a second look.

Address

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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