Think of us as your "family doctor of finance": experienced, approachable, and committed to understanding your complete financial health.


With over 20 years of guiding Canadians through retirement planning, wealth management, insurance choices, and legacy planning, our approach is personal and practical. We regularly meet most Clients around their kitchen tables—just like the family doctors of the past—where conversations are comfortable, genuine, and focused on your unique needs.

Our planners take the time to get to know you and your family personally, ensuring every financial recommendation aligns clearly with your goals and values. We simplify complex decisions, provide clarity, and offer ongoing support as your life and financial situation evolves.

Whether you're preparing for retirement, managing investments, or protecting your family's future, Devine & Associates helps bring experience and care to your financial wellbeing—right to your doorstep.

Talk to us today

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What we do

Investment strategies

Investment strategies

  • Creating portfolios within Client risk profile
  • Helping Clients select investments and an investment strategy that align with the written plan
  • Providing due diligence on investment and manager selection
  • Monitoring performance
  • Incorporating guaranteed income
  • Striving for tax-efficient investing and income
Asset management

Asset management

  • Deciding which assets to use and which to defer
  • Funding TFSA accounts
  • Developing an exit strategy for registered accounts
  • Strategically moving corporate capital to personal accounts
  • Delivering a survivor-friendly and estate-friendly outcome
  • Monitoring the amount of withdrawals and the rate of withdrawals
  • Identifying opportunities to make locked-in accounts more flexible
Income management

Income management

  • Tailoring income streams for Client(s)
  • Focusing on short- and long-term tax efficiency
  • Being vigilant on net income figure
  • Engaging all of the actions in layering income
  • Providing specific direction on integration of other income streams (OAS, CPP, pensions, etc.)
  • Revisiting income needs and income strategy on a year-to-year basis
Risk management

Risk management

  • Investment risk
  • Longevity risk
  • Inflation risk
  • Encroachment risk
  • Withdrawal risk
  • Taxation risk
  • Health cost risk
  • Premature death risk
  • Critical illness risk
  • Disability risk

Tools and calculators

Make planning for your financial future and retirement easier with some of our tools and calculators.

Life insurance calculator - In just 2 minutes, calculate how much life insurance you may need.

Retirement savings calculator - Find out how much you will need to save for retirement and if you're on track to meet your retirement savings goal.

Budget calculator - Use this monthly budget calculator to help you manage your spending.

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Is your plan on the right track?
Talk to us today to find out.

1 (519) 780–1730