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.

A retirement savings number can sound reassuring—but by itself, it doesn't tell you very much.How much income do you nee...
09/03/2026

A retirement savings number can sound reassuring—but by itself, it doesn't tell you very much.
How much income do you need?
How long does it need to last?
What other income sources do you have?
What taxes may apply?
What kind of retirement are you planning for?
The same amount of savings can create very different outcomes for different people.

Don't just ask, "How much do I need?"
Ask: "What does my money need to do?"

08/31/2026

Losing a spouse changes far more than your finances.
But in the middle of grief, there are often changes to income, accounts, benefits, bills, and paperwork that still need attention.
In this episode of Money Monday, Darren Devine explores the financial realities that can arise during the first year after losing a spouse—and why the goal during this difficult transition should be stability, clarity, and taking things one step at a time.

08/27/2026

The strongest financial plans aren't built around guessing what's next.
They're built through thoughtful decisions made over time.
One conversation.
One review.
One adjustment at a time.
Planning isn't about perfection.
It's about progress.
Talk to us today at DevineAndAssociates.ca

08/26/2026

When should you start collecting Canada Pension Plan (CPP) benefits?
It's one of the most common retirement questions we hear—and one of the most personal.
You've probably heard opinions from friends, family, or online articles saying to take it as soon as possible... or to wait as long as you can.
The reality is, there's no single answer that works for everyone.
The right timing depends on how CPP fits into your broader retirement income strategy, your lifestyle goals, your health, and the other income sources you'll rely on throughout retirement.
Taking the time to understand your options can help you make a decision with greater confidence.

The right decision starts with understanding your options.
Let's have a conversation about what fits your retirement plan.

08/25/2026

Financial plans aren't about spreadsheets.
They're about people.
Every plan reflects someone's hopes, priorities, challenges, and the life they're working toward.
The numbers simply help tell the story.

Your financial plan should reflect your story.

08/24/2026

AI can analyze enormous amounts of data, automate investment tasks, and model scenarios in seconds.
But should technology be making your financial decisions on its own?
In this episode of Finance Forward, Darren Devine explores where AI-powered investing tools can add value, where they still fall short, and why the strongest approach may be combining technology with human judgment.

Big financial decisions rarely have simple answers.Whether you're thinking about retirement, paying off your mortgage, i...
08/21/2026

Big financial decisions rarely have simple answers.
Whether you're thinking about retirement, paying off your mortgage, investing more, or helping family, the best decisions begin by asking the right questions—not rushing toward the first answer.
A thoughtful plan brings clarity before you take the next step.

Thinking about a major financial decision? Let's talk it through together.

08/20/2026

Choosing when to retire isn't just a financial decision.
It's a life decision.
The best retirement plans consider your income, lifestyle, goals, and the life you want to build—not just your age.
Retirement is personal.
Your plan should be too.

08/19/2026

The best financial plans don't begin with products.
They begin with listening.
Before numbers.
Before investments.
Before strategies.
There should always be a conversation.

Tell us your story.
We'll help you build the plan.

08/18/2026

One of the most common financial questions we hear is:
"Should I pay off my mortgage before retirement?"
The truth is, it depends.
Every financial decision should be viewed in the context of your overall plan—not in isolation.
That's why personalized advice matters.

Let's find the answer that fits your goals

Address

10 Suffolk Street East
Guelph, ON
N1H2H6

Opening Hours

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

Website

Alerts

Be the first to know and let us send you an email when Devine and Associates Financial Services Inc. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category