Life is a journey and you have a unique vision for where your journey will take you.
At Devin Financial group, we have the experience and expertise to provide you with solid, personalized financial advice to put you in the driver’s seat and set your GPS on the right path to your financial freedom.
With Devin Financial Group we look at your entire financial journey from start to finish and apply our professional knowledge to ensure you safely and successfully reach your destination.
Select the below steps to see how we can help you along your path.
With the destination determined and the best route chosen, it is time to start the journey. Ensuring you have everything you need, (vehicle is packed, full tank of gas and coordinates in the GPS) is essential to get you where you want to go. In this step we implement the agreed upon solutions that will help you best achieve your financial goals.
Even the best laid plans today aren’t necessarily the one’s you’ll follow in the future. There can be circumstances that are difficult to foresee such as traffic, construction or change your destination altogether. In this step, we monitor and review regularly to ensure the solutions presented are still best suited for you and your circumstances today all while trying to achieve your goal.
Services & Solutions
The fuel to get you to your destination.
Customized & personalized solution that considers your risk tolerance, time horizon, tax efficiency and goals.
Save, invest and grow your wealth with strategies based on your priorities now and as they change over time.
Tax-Free Savings Accounts
Registered Retirement Savings Plans
Registered Education Savings Plans
With 70 percent of Canadians aged 55 to 64 still carrying debt, here are some strategies to ask your advisor about that may help you make the most of your retirement goals.
Determining the best approach.
Philip Petursson, Chief Investment Strategist provides his view on the CDN dollar
Insurance & Estate Planning
Ensuring you get to your destination safely.
Several things can happen while on your journey such as a flat tire or an accident. Safeguard you, your family and/or business is protected from these risks to ensure you arrive safely at your final destination.
Whether you want help covering final expenses or building a legacy, you can protect your family or business. When composing your individualized plan we explore several risks, death, disability and critical illness. These can negatively affect you achieving your financial goals.
Long Term Care
Estate planning is the process where you lay out your instructions as to how your assets should be distributed. Who they are to go to, when they are to go to them and in what form. And of course, you want to do this in a very thoughtful way.
Life insurance doesn’t have to be complicated. Get the basics that can help you make the right decision.
Getting the protection you need is faster and simpler than ever before.
If you don't know where you're going any road will take you there.
We make sure you have fuel in your vehicle and your seatbelt on, but if you don't know where you're going you will never leave your driveway. Here are the step by step directions to get you to your destination.
Whether retirement is soon or years away, do you know if you’ll be able to live your life the way you’d like? Your retirement is about so much more than ending a career. It’s about starting something new and making the most of the opportunities ahead.
Here are six tips to help you prepare:
Look at your financial forecast
Review your retirement savings including: pension plans, savings accounts, non-registered investment accounts and registered investments. Then speak to your advisor to have them forecast how much income you’ll likely generate for your retirement.
Check out additional income sources
Are you eligible for other sources of retirement income, such as the Canada/Quebec Pension Plan, Old Age Security or Guaranteed Income Supplement? Calculate what you can expect and when.
Check that you’re on target
Draft a budget of your estimated retirement expenses, remembering to adjust for inflation. Compare this figure against the totals from your financial forecast and additional income sources. Will you be able to afford the lifestyle you want? Should you try to save more or adjust your retirement lifestyle expectations?
Review your investments
Does your investment portfolio reflect your current stage in life? Check with your advisor to make sure your portfolio is on course for meeting your retirement goals.
Mark your 71st birthday
Make sure you convert your registered savings by the end of the year you turn 71 or you may experience tax implications.
Make sure your retirement income will be enough
If you’re worried about outliving your savings, consider supplementing any government or employer pensions with investments that can provide additional sources of income once you retire.
How finances can affect physical and emotional health.
Volatile markets can wreak havoc on savings. A big loss in your portfolio with a short time to retire may not allow your investments to recover before you need the retirement income
As you get ready to stop working, we can help.
Group Benefits & Group Retirement Solutions
Find a simple, cost effective and tax efficient plan based on the size of your business and your plan members’ needs. Choose a plan to stay competitive as an employer of choice, keep your plan members engaged and productive, and help manage their health and wellness.
Find a simple, affordable and easy-to-manage workplace savings plan, or customize a plan to meet your plan members’ needs. Help your plan members become financially prepared for retirement. Get help attracting and retaining the right talent, and improving your employees’ engagement.
Plans and solutions
Find simple, affordable and easy-to-manage workplace savings plans, or customize a plan to meet your plan members’ needs
Help your plan members become financially prepared for retirement
Get help attracting and retaining the right talent, and improving your employees’ engagement
AtDevin Financial Group Inc. we strive not only to meet, but exceed, our client expectations in terms of the service, support, and the advice we provide them. Our main objective is to ensure our clients achieve their stated financial goals and that the recommendations we make adhere to them at all times.
Choose the travel plan that’s right for you. Get help covering unexpected travel expenses. Get help with medical expenses when studying away from home, or help cover emergency medical expenses while visiting Canada.
Manulife Mobile is the only app you need to manage your Group Benefits and Group Retirement plans with Manulife.
1The calculators are for illustrative purposes only and should not be relied upon as an accurate indication of your financial retirement needs. As each individual’s situation is different and changes over time, the results are limited by the accuracy of the assumptions you make in providing the information used in the calculation. I (we) do not guarantee that these calculators are reliable, accurate or complete or that they will be compatible with your computer.
Start the conversation. Contact a DFG Advisor today!