Devine & Associates Financial Services Inc

Realize your worth

We are dedicated to helping you grow your wealth and achieve your financial goals. With our knowledgeable guidance and personalized approach, we provide comprehensive wealth management solutions tailored to your unique needs. Our experienced team understands the intricacies of investing and will work closely with you to develop a customized strategy. Whether you're looking to build a solid investment portfolio, plan for retirement, or preserve your wealth, we are here to navigate the ever-changing financial landscape and help you thrive!

RRSP

An RRSP (Registered Retirement Savings Plan) is a strong retirement savings plan that provides tax advantages and various investment options. It empowers you to save for retirement, enjoy immediate tax benefits, and build financial security for your long-term goals.

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RESP

An RESP (Registered Education Savings Plan) is a savings plan for your child's education that provides valuable benefits. It helps you save for their future education, take advantage of government grants, and enjoy tax-deferred growth, ensuring their educational needs are well taken care of.

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LIF

A LIF (Life Income Fund) is a retirement income plan that converts your pension funds into a reliable income stream during retirement. It gives you control over investments and the flexibility to withdraw income while keeping the rest invested. Benefits include steady income, potential tax advantages, investment control, and customizable withdrawals, ensuring financial security and flexibility in managing retirement income.

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RRIF

A RRIF (Registered Retirement Income Fund) is a powerful tool that turns your retirement savings into a steady income stream. It offers financial security, flexibility, and control throughout your retirement, making your savings work for you.

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TFSA

A TFSA is a tax-free savings account that helps your savings grow without taxes. It allows you to withdraw money flexibly, accumulate contribution room, choose from various investments, and doesn't affect government benefits. It's suitable for both short-term and long-term savings.

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GIC

A GIC (Guaranteed Investment Certificate) is a secure investment that provides a fixed return over a set time period. It guarantees your initial investment, offers predictable returns, and gives you options for when it matures. GICs are stable and low-risk, making them a good choice for conservative investors looking for secure and reliable returns.

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Life annuity

A Life annuity is a financial product that provides a guaranteed income for life in exchange for a lump sum or regular premium payments. The benefits of a Life annuity include a steady and predictable income stream, protection against longevity risk, no market fluctuations affecting income, and the potential for tax advantages. It offers financial security, peace of mind, and a reliable source of income throughout retirement.

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Segregated funds

A Segregated fund is an investment fund with insurance protection offered by insurance companies. It combines mutual fund features with benefits like potential principal protection, creditor protection, estate bypass, and direct beneficiary designation. Segregated Funds provide security, protection, and growth potential for investors.

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