Phone: 519-741-1259 
E-mail: info@dcafinancial.ca

Welcome to Deverall, Calma & Associates Financial Services Inc

Financial Freedom Through Planning

Welcome to Deverall, Calma & Associates Financial Services Inc.

Our goal is to provide you with appropriate and understandable solutions to meet your financial needs and goals.

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At Deverall, Calma & Associates, we have the expertise to help you with many of the unique challenges faced by business owners. There are tremendous opportunities to take advantage of including; creditor protected RRSP's, benefits in the event of illness or injury as well as having your health and dental costs organized in a way to have them tax deductible.

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Employee benefits provide supplementary coverage above what is offered by the basic provincial plans, including coverage for; drugs, health insurance, life insurance, disability and dental, as well as other health options.

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We all have different needs for insurance, retiring savings and financial planning.  Let Deverall, Calma & Associates customize a plan to suit your needs while allowing you the flexibility to change your coverage and investment mix as your needs change.

 Deverall, Calma & Associates

The members of Deverall, Calma & Associates have been providing financial services for over 100 years to both individuals and companies.

Our clients have access to a vast number of products including; life, critical illness, long term care and disability insurance, as well as over a hundred funds to invest in via mutual or segregated funds.  There are many offerings and options; our job is to sit down with our clients to help them decide what will best suite their lifestyle and financial situation.

Welcome to Deverall, Calma & Associates Financial Services Inc

Since your greatest economic asset is likely your potential lifetime earnings, life insurance can give your family financial security by protecting your earnings if you die prematurely.

Disability Insurance Life Insurance Critical Illness Insurance

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Critical Illness

 

A critical illness can happen to anyone. And it does happen to many. Canadians are more likely to experience a critical illness than they are to die before the age of 75. For most people, the diagnosis is just the beginning.

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Life Insurance

 

Since your greatest economic asset is likely your potential lifetime earnings, life insurance can give your family financial security by protecting your earnings if you die prematurely.

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Pension Transfers

If you leave your employer after participating in a pension plan for 2 or more years, you have a decision to make:

  • leave your pension with your former employer (if available)
  • transfer the pension to your new employer, or
  • transfer the funds to a locked-in retirement account

You should consult your financial adviser to determine which option is best for you.

Tax Free Savings Account

The new Tax-Free Savings Account is a great way to take advantage of a savings opportunity! The TFSA is designed to encourage clients to invest in a non-registered GIC, and help them on their way to tax-free savings!

Contribute up to $5,000 annually, and withdrawal the money at any time for any reason, tax-free. Any interest gained on the principal is also tax-free!

Financial Markets

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Group RRSP

A group Registered Retirement Savings Plan (RRSP) is an employer-sponsored retirement savings plan, similar to an individual RRSP, but administered by the employer.

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Pensions

Under a Defined Contribution Pension Plan (also called a "Money Purchase" Pension Plan), the contributions of plan members and plan sponsors are invested towards the funding of a retirement income. The maximum combined contribution is the leaser of 18% of earned income to the maximum contribution limit. Typically, the contribution going into the plan is known, while the final benefit is not known

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