How do you know if you will have enough money to retire?  Do you even know how long your retirement will be?  What if it is 30 or more years?  Will you still have enough?

Solutions for individuals and their families

Do you know how much a university education costs?  How about 18 years from now?  Will you have enough to give your children the best start in life?

You've saved your whole life and want to pass your wealth on to your loved ones.  Do you know how much you will be passing on to Revenue Canada?

Copyright Deverall, Calma & Associates 2A - 209 Frederick St. Kitchener, ON N2H 2M7 
Phone: 519-741-1259  Fax: 519-741-1592 E-mail:

Advice that makes sense.

What will you do when you can no longer care for yourself?  Did you know that long-term health care facilities can cost up to $40,000 per year or even more?  How would you cope?

What would happen if you or a loved one suffered a critical illness and couldn't work?  How would you cope?