Stephanie Andrews- Andrews, MacNeill & Associates Wealth Management

Stephanie Andrews- Andrews, MacNeill & Associates Wealth Management Executive Financial Consultant- IG Wealth Management Inc. Mutual Fund Division How would your retirement look when your portfolio goes down by 38% or more?

If you have an investment portfolio of $500,000 or above and you are nearing retirement or in retirement, then read this carefully (as it will help you genuinely!). Pause for a moment, close your eyes and picture this:

You’re about to retire in a few years from today and are all set to live the retirement life you’ve imagined. You might plan to...

� travel across the world
� go to the best beach

es
� golf, or
� spend time with grandkids. But shortly before retirement, the economy and stock market take a hit (like what happened in 2008, just 10 years ago). The market is down, your advisors ask you to think long-term but you don’t believe in that since the only way you can survive is to continue working and delay your retirement. All of a sudden you begin to question your ability to live in the retirement of your dreams, or worse yet if your portfolio will even last through retirement. Most people don't have a well-documented and written game plan for their retirement and more importantly. A plan for dealing with market volatility. Most advisors talk about long-term averages but what good is that when you have a specific timeline to retire and dreams of how you plan to spend your hard-earned money? The good news is, it doesn’t have to be like this. My name is Stephanie Andrews and I specialize in working with ambitious women pre-retirees and retirees, helping them take control of their portfolio and plans. I want our clients to potentially outlive their retirement. If you need help with this, send me a message here or email: [email protected] or call: (902) 940-0242.

09/09/2026

Taxes on the estate are often overlooked.

Most of the questions I get around this topic are about probate. But did you know that on Prince Edward Island, this tax is only 0.4%? There’s a bigger tax bill to consider.

Let me know any questions you have about estate planning below- or send me a message today.

One of the biggest adjustments in retirement is moving from a regular paycheque to drawing income from your own assets.E...
09/08/2026

One of the biggest adjustments in retirement is moving from a regular paycheque to drawing income from your own assets.

Even when someone has saved well, that change can feel uncomfortable.

There may be enough money on paper, but unanswered questions remain:

How much can I comfortably spend?
Where should the money come from each month?
What happens when markets change?
How much should I set aside for tax?

A strong retirement income strategy is designed to replace that uncertainty with structure.

It connects your income sources, withdrawal timing and tax plan so your cash flow feels more predictable and better aligned with the lifestyle you want.

That is the focus of my free 10 Minute Guide to Smarter Retirement Income. It is a practical starting point for turning accumulated savings into a retirement paycheque you can understand and rely on.

Download the guide here:
https://www.subscribepage.com/quickguidetosmarterretirementincome

Big financial goals rarely come down to one big decision.More often, they’re built through the small things you do consi...
09/07/2026

Big financial goals rarely come down to one big decision.

More often, they’re built through the small things you do consistently: saving regularly, reviewing your plan, managing debt, making thoughtful investment decisions, and adjusting when life changes.

Those small decisions may not feel significant in the moment, but over time, they can make a meaningful difference.

Financial confidence is built one good decision at a time.

Not knowing where to start is the most common reason. What’s yours?
09/04/2026

Not knowing where to start is the most common reason. What’s yours?

Losing a partner is devastating and taking over the finances can feel overwhelming.From finding passwords to understandi...
09/03/2026

Losing a partner is devastating and taking over the finances can feel overwhelming.

From finding passwords to understanding investments, there’s so much to manage while you’re still grieving.

This article offers practical steps to help you regain clarity, take control, and feel more confident managing money on your own.
https://www.ig.ca/en/insights/how-to-take-over-managing-finances-after-your-spouse-dies

If you're going through this or supporting someone who is, you're not alone, reach out anytime.
📞 (902) 566-4661

Most people know roughly how much they have saved.Far fewer can clearly explain how those savings will become reliable r...
09/01/2026

Most people know roughly how much they have saved.

Far fewer can clearly explain how those savings will become reliable retirement income.

For business owners and professionals, that income may come from several places:

● personal and corporate investments
● RRSPs, RRIFs and TFSAs
● pensions and government benefits
● non-registered accounts
● rental or ongoing business income

Having multiple sources can create flexibility, but only when they are coordinated.

Without a clear map, it becomes difficult to know what to draw from, when to draw it and how one decision may affect taxes or future cash flow.

My 10 Minute Guide to Smarter Retirement Income helps you identify the main building blocks and begin organising them into one retirement income plan.

Because confidence does not come from having more accounts. It comes from knowing how they will work together.

Get the free guide here:
https://www.subscribepage.com/quickguidetosmarterretirementincome

New tools, marketing, hires. Or savings, retirement, family goals.Which one gets priority most often?
08/28/2026

New tools, marketing, hires. Or savings, retirement, family goals.

Which one gets priority most often?

Building a new life in a new country comes with big dreams and big financial decisions.For newcomers to Canada, navigati...
08/27/2026

Building a new life in a new country comes with big dreams and big financial decisions.

For newcomers to Canada, navigating the financial system can feel confusing at first. From credit scores to savings plans, there’s a lot to learn, and confidence builds over time.

This article explores practical ways new Canadians can feel more empowered and informed about their money.
https://www.ig.ca/en/insights/building-financial-confidence-among-new-canadians

If you're looking to feel more in control of your finances—or help a loved one who’s just getting started, I’m here to support you.
📞 (902) 566-4661

You can build a strong portfolio and still end up with less retirement income than expected.The reason is simple: accoun...
08/25/2026

You can build a strong portfolio and still end up with less retirement income than expected.

The reason is simple: account balances do not tell you what you will actually have available to spend after tax.

Retirement income may come from registered investments, non-registered savings, pensions, government benefits or corporate assets. Each source can be taxed differently, and the order in which you draw from them can affect your overall outcome.

That is why retirement income planning cannot stop at, “Do I have enough saved?”

It also needs to answer:

● What will my after-tax income look like?
● Which accounts should I use first?
● Could today’s decision create more tax later?
● How can I make the different pieces work together?

My free 10 Minute Guide to Smarter Retirement Income offers a practical starting point for building a more intentional and tax-aware strategy.

Download it here:
https://www.subscribepage.com/quickguidetosmarterretirementincome

This is one of the simplest wealth rules, and one of the most ignored.Every holding should have a purpose in your plan: ...
08/24/2026

This is one of the simplest wealth rules, and one of the most ignored.

Every holding should have a purpose in your plan: growth, income, stability, tax efficiency, or legacy. If you cannot explain why you own it, it is worth reviewing.

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