Grow • Protect • Retire • Legacy

Every financial journey needs a clear map. From mid-career to retirement and the legacy you leave behind, we help you turn your goals into one coordinated financial plan. Together we’ll help: grow your wealth with tax-smart investing, protect your family from life’s “what-ifs,” design reliable retirement income you can count on, and simplify your estate and legacy decisions so the people you love are taken care of—today and tomorrow.

Is your plan on the right track?

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GROW — Building your wealth

Disciplined, tax-smart investing to help grow assets before and during retirement without the guesswork.

  • Investment management: Evidence-based portfolios aligned to risk and goals; due diligence, monitoring, and rebalancing.
  • Tax planning & asset location: What to hold in RRSP/RRIF, TFSA, non-registered, and corporate to help reduce lifetime tax.
  • Savings systems: Automated contributions, milestone targets, and behavior coaching to help stay on plan.
  • Business-owner planning: Dividend vs. salary, surplus cash strategies, CDA/insurance coordination.
  • Family wealth: RESP top-ups, in-kind gifting, and starter investment plans for kids/grandkids.
  • Often overlooked: Cost control, tax-loss harvesting when appropriate, and “buy-high/sell-low” bias coaching.

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PROTECT— Managing risk & “what-ifs”

Help shield your plan from the risks you can’t control—health, markets, longevity, and taxes.

  • Insurance strategy: Right-sized life, critical illness, disability, and long-term care coverage.
  • Tax-risk control: Bracket management, pension splitting, and smart realization of gains/losses.
  • Estate-ready accounts: Beneficiary audit, account titling, and contingent plans for “if/then” events.
  • Health-care planning: Cost forecasting and funding options before a crisis hits.
  • Safety basics: Simple fraud and cybersecurity habits tailored for retirees.
  • Often overlooked: Emergency-fund sizing and insurance costs that match your cash flow.

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RETIRE — Turning savings into income

Help turn your nest egg into a reliable, tax-efficient pay-cheques that lasts.

  • Withdrawal order: Coordinated RRIF/LIF, TFSA, and non-registered drawdown with guardrails.
  • CPP/OAS timing: Start-date modeling, survivor impacts, and OAS-claw back management.
  • Pensions & bridges: Commute vs. keep, bridging strategies before 65, part-time work implications.
  • Cash reserve/bucketing: Reduce sequence-of-returns risk and smooth monthly income.
  • Housing decisions: Downsizing vs. borrowing vs. aging-in-place, tied to the income plan.
  • Often overlooked: Tax-bracket smoothing across decades—not just this year’s refund.

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LEGACY— Estate & giving

Make it easy for loved ones and meaningful for you—organized, tax-smart, and clear.

  • Wills & POAs (with your lawyer): Coordinate documents with your financial plan.
  • Beneficiaries & probate: Structure accounts and strategies to simplify settlement.
  • Charitable giving: Bequests, gift strategies, or donor-advised funds with tax benefits.
  • Survivor playbook: First-90-days checklist, key contacts, and digital-asset/password log.
  • Family meetings: Share intentions, reduce surprises, and preserve harmony.
  • Often overlooked: Planning for complex families and special assets (cottages, collections).

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“Since 2001, Clients have relied on me for my experience and high quality, personalized service. They trust my recommendations and appreciate my extensive knowledge in financial planning, group benefits, taxation, life insurance, and wealth products. Whether you’re single, have a family, or own a business, Devine & Associates Financial Services Inc. can help you achieve a lifetime of financial security.”

— DARREN DEVINE* CFP, CLU

Schedule a consultation to learn how we can help you prepare for a comfortable retirement.

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