About

From business owners to employees and individuals, Deverall, Calma and Associates has been an industry leader for over 30 years. We take pride in the solutions and strategies we build with our clients, helping them achieve financial success.

Our team has been built on our founding principals of client first experience and advice that just makes sense. We understand that whether you are investing in your employees, saving for your first home or building a financial portfolio, proper advice and collaboration are key elements to success.

At Deverall, Calma and Associates, we believe in investing in our clients.

Our Team

Dave Deverall

Partner, Advisor

Mark Calma

Partner, Advisor

Christopher Shantz

Partner, Advisor

Alfred Habash

Partner, Advisor

Reema Habash

Partner, Advisor

Sheri Stevens

Associate Advisor

Brian Stryker

Associate Advisor

Neil Cavanagh

Associate Advisor

Ruth Ruppenthal

Administrative Assistant

Sue photo

Susan Sehl

Administrative Assistant

Dave Deverall

Partner, Advisor

From market updates to holistic nutrition, Dave believes knowledge is power. Starting as an Advisor over 36 years ago, Dave has built client relationships that are ongoing today. He believes, to be a true Advisor, your client’s best interest must come first.

Dave specializes in Group benefits and Retirement services. He is a Chartered Life Underwriter and Certified Financial Planner. Over the years, Dave has a developed extensive knowledge in the market, with a high focus on fund disclosure, investment fees, returns and portfolio managers. He is the in-office expert and continuously shares his research with the team.

In his down time, you can catch Dave on the golf course, travelling or reading up on current events, economics and monetary policy. 

Mark Calma

Partner, Advisor

“What has been will be again, and what has been done will be done again; there is nothing new under the sun.” Author Unknown

Mark takes financial planning seriously but that does not mean you can’t expect a few laughs along the way. For over 33 years, Mark’s clients have trusted him with all financial matters from personal insurance, investments and retirement planning. Mark believes in doing everything he can to help clients hit milestones.

He specializes in investment planning, always staying on top of the markets to ensure clients goals are being met. Mark takes a knowledge first approach and educates his clients to make informed decisions about their financial portfolios.

In the office, Mark is known as the tech guy, always keeping up with the latest technology. He enjoys spending time with his family and enjoying the outdoors.

Christopher Shantz

Partner, Advisor

Whether in the office or on the hockey rink, Chris’ passion for financial planning goes with him everywhere. He believes the best way to build long lasting client relationships is to represent what we do with pride.

Chris focuses on Group benefits and one on one investment planning. Working with Chris, a client can expect great conversation about sports and current events within the Waterloo Region while working on personalized plans to meet investment and insurance needs. Chris is a Certified Financial Planner, Chartered Life Underwriter and Certified Health Specialist.

When not at the office, Chris can be found spending time with his family and attending local sporting events.

Alfred Habash

Partner, Advisor

“We’re with you on the good days and the bad days”

With over 11 years of experience, Alfred has excelled at building strong relationships with both clients and industry professionals. His background in business coaching has given him the skills to engage and implement planning techniques best suited to individual needs.

Today, clients rely on his expertise when it comes to personal financial planning. He specializes in asset protection, estate preservation and lifelong income needs. Personal experience has taught Alfred that although money isn’t everything, the right financial plan will give you peace of mind when life tosses you a curve ball.

When not talking business, you can find Alfred on the soccer field or hosting get togethers. He has a passion for cars and fitness.

Reema Habash

Partner, Advisor

"The Covid pandemic has taught us the resilience of business owners and the strength of their leadership. A business owner has a lot of decisions to make and today, the companies we work with focus on what benefits their teams and their futures, making them true leaders.”

Education is the foundation to financial planning, this is what Reema Habash believes when working with her clients. Over her 8 years in the business, Reema has built a practice based on long-term professional relationships and financial planning education. She spends time sitting on panels, engaging women in finance and educating at seminars, teaching young professionals Financial planning concepts, tools and strategies.

Reema’s primary focus and passion is working with business owners, specializing in corporate investment strategies, business succession planning and group benefits. She is a Charted Life underwriter and Certified Health Specialist.

Family is very important to Reema, so when not at work, you will catch her spending time with them, binge watching true crime shows or trying to become a master DIYer.

John-Paul Bell

Advisor

“I feel strongly that doing well, puts you in a position to do good, whether that’s for your family or your community”

JP has been an Advisor since 2006 and has built a holistic practice on the belief that in order to help a client, you must know what is important to them and protect that too. Whether that is a person or hobby, a financial plan needs to account for what matters most.

Investment planning, Insurance planning and Group benefits make up some of JP’s strengths at Deverall, Calma and Associates. JP joined DCA in early 2022 in the hopes to strengthen his role as an Advisor with his current clients and to be able to specialize further to benefit new clients along the way.

 JP is a member of the Lions Club of Kitchener, enjoys playing baseball with his kids, travelling with his wife, and motorcycle touring with friends.

Sheri Stevens

Associate Advisor

For over 12 years, Sheri has been the go-to for everything Deverall, Calma and Associates. Her knowledge for the company, company partners and client experience has made her an integral member of the team. 

Starting as an Assistant, Sheri has worked on her insurance and wealth certifications and later became an Associate Advisor. Her passion to work with clients and support the team at DCA continues to be her driving force. Clients can expect friendly conversation and trust that Sheri has taken the time to understand their portfolio.

As a mother of two boys, Sheri enjoys spending time with her family, preferably around the campfire with music playing in the background.

Brian Stryker

Associate Advisor

“I am very excited to work with the storied team here at DCA to provide our clients with the tools they need to achieve their financial goals & dreams because “a goal without a plan is just a wish”

Brian joined Deverall, Calma and Associates in Spring 2021. His energy and motivation feed off in all his financial plans and client interactions. Clients can trust that Brian approaches each client meeting with careful preparation and knowledge.

Since graduating with distinction from the Financial Planning program at Conestoga College, Brian has excelled in wealth practices and is a lead wealth organizer at Deverall, Calma and Associates. Keeping the team in line with regulatory and best practices.

In his spare time, Brian enjoys being outdoors, whether camping or playing sports. He also enjoys going to concerts, playing board games and spending time with family and friends.  

Neil Cavanagh

Associate Advisor

“When it comes to achieving financial goals, people don’t plan to fail, they fail to plan.” Author Unknown

Graduating with excellence from a Financial Planning program, Neil has taken on the role of plan specialist at Deverall, Calma and Associates. He believes there is no execution of a plan without the proper foundation.

Since joining the team in the Fall of 2021, Neil has worked to master all aspects of our planning platforms from insurance to wealth. Clients can trust that Neil ensures that all DCA team members present clients with proper guidelines, plan documentation and strategy reporting.

In his spare time, Neil can be found beating people at chess and other strategy games, reading and spending time with his wife and two kids.

Susan Sehl

Administrative Assistant

Salesforce and technology are no match for Sue at Deverall, Calma and Associates. She joined the team in Spring 2022 and brings with her 20 plus years of experience working with Advisors. 

Over the years, Sue has been an asset to helping Advisors build the tools and platforms to help maximize client success, organization and productivity. She has championed many technology based best practices and adoptions. 

Sue has lived and worked in the Kitchener area her whole life and enjoying gardening in her spare time and treating the office to homemade goodies for all occasions (and sometimes for no occasion at all!)