Wealth with Bev Kennedy-Steeves

Wealth with Bev Kennedy-Steeves At Mais Reynolds Financial Group we go beyond numbers — we uncover the story behind them, your goals & values, & vision for the present and the future.

A wealth plan brings it all to life— I help you create your strategy without sacrificing connection. MAIS REYNOLDS FINANCIAL GROUP, CIBC PRIVATE WEALTH

My first team… 🧡Three older brothers. No handicaps. No head starts. Zero sympathy.Every 1:1, every game, every competiti...
05/27/2026

My first team… 🧡
Three older brothers. No handicaps. No head starts. Zero sympathy.

Every 1:1, every game, every competition I had to earn it, still have some scars to prove it! They were bigger, faster, and they weren’t handing me anything.

That’s exactly what made me.

By the time I got to university, I was already used to being the underdog. I knew how to compete against people who outmatched me on paper, push past the limit, and find another gear when I had nothing left. I’d been training for it my whole childhood.
But they gave me more than athletic grit.
A PhD. An MD. Two MBAs. Three brothers who showed me that you don’t stop when you win, you keep building. That excellence in one arena bleeds into every other.

That lesson followed me off every field and into every room I’ve walked into since.
Today, my pursuit is women and wealth, making sure women have the knowledge, confidence, and tools to build financial power unapologetically.

Because I grew up in a house where ambition had no ceiling. Where education was non-negotiable. Where you competed hard and then went back to get better.
I didn’t just learn to keep up with the boys. I learned to lead.
To my first coaches, competitors, and biggest inspirations, my three smurfs- thank you for never going easy on me.

There’s a moment in almost every meeting where things shift.It’s subtle, but you can feel it.The tension eases, the body...
05/25/2026

There’s a moment in almost every meeting where things shift.
It’s subtle, but you can feel it.

The tension eases, the body language changes, the smile changes, the conversation opens up.
That’s the moment when someone realizes:
“This isn’t as overwhelming as I thought.”

For many people, finances carry years of stress, avoidance, or even guilt. So when things finally start to make sense, it’s not just about money.

It’s relief, and hat’s one of the most rewarding parts of what I do.

Helping people move from uncertainty to clarity.

I recently reached out to a prospect to see if they would be open to a conversation. They declined, based on a past expe...
05/18/2026

I recently reached out to a prospect to see if they would be open to a conversation. They declined, based on a past experience they had years ago with someone at my company.

It was a good reminder that in this business, perception can outlast personnel. But it also reinforced something I’ve always believed, people don’t just choose a firm, they choose trust in a person.

I can’t change what happened before I knew them, but I can be responsible for what happens next.

How I show up.
How I listen.
How I follow through.
How I build consistency over time.

That’s where the real value is, not in convincing someone to forget the past, but in earning the right to be trusted in the present.

You don’t just retire from a career…you step into the next version of your life.And sometimes the biggest decision isn’t...
05/16/2026

You don’t just retire from a career…you step into the next version of your life.

And sometimes the biggest decision isn’t about the numbers on paper.

It’s about freedom.
Security.
Flexibility.
Peace of mind.

Communted value vs. Pension:

A monthly pension can provide consistency and comfort.
A commuted value can provide control and opportunity.

Neither is automatically “better.”
The right choice depends on the life you want to build over the next 20–30 years.

Do you want predictable income every month?
Or
Do you want to take ownership of the assets and create your own path?

The people who feel most confident in these decisions later on usually aren’t the ones chasing the highest return.
They’re the ones whose financial plan matched their lifestyle, goals, and values.

Retirement planning isn’t only a financial decision, it’s a lifestyle decision.

And if you’re making one of the biggest decisions of your life…
if you're at this point, lets get it right!

And it deserves thoughtful planning — not a rushed checkbox conversation.

We may wear different colors.....Different brands....But at the core… we are striving for the same thing.To be better, t...
05/13/2026

We may wear different colors.....Different brands....
But at the core… we are striving for the same thing.

To be better, to serve better, to show up for our clients with integrity, clarity, and care.
There’s something powerful about women in this industry who choose collaboration over competition.

Who lift each other up instead of sizing each other up.

Because when one of us grows, learns, and leads… it raises the standard for all of us. And our clients feel that.

There is room at the table, there is room to succeed.
And there is so much power in supporting one another along the way.

Decumulation.It’s one of the most important financial conversations people over 65 should be having… yet many have never...
05/11/2026

Decumulation.
It’s one of the most important financial conversations people over 65 should be having… yet many have never heard the word.

Most people spend years focused on growing their money.
But retirement changes the question from:

“How do I build wealth?” to “How do I make this wealth last?”

Decumulation is the strategy of turning your savings into sustainable income in the most tax-efficient and intentional way possible.

It’s not just about withdrawals.
It’s about:
• Which accounts to draw from first
• Minimizing taxes
• Managing market volatility
• Planning for healthcare and longevity
• Leaving a legacy for family if that matters to you

WHY??Because retirement isn’t just about having enough money.
It’s about having a plan for how to use it wisely.

The transition from accumulation to decumulation can make a significant difference in how confidently you live retirement.

A client said to me recently:“I want to retire 5 years earlier… everyone around me is either getting sick or dying.”He’s...
05/06/2026

A client said to me recently:

“I want to retire 5 years earlier… everyone around me is either getting sick or dying.”

He’s 55.

And it stopped me for a second.

Because this wasn’t about numbers. It was about time. 🕰

Retirement isn’t one decision. It’s 10… all colliding at once:
-CPP timing
-RRSP decumulation
-Tax sequencing
-OAS clawbacks
-Pension income
-Market risk

And here’s what most people don’t realize:
The variables compound.

One decision doesn’t stay isolated… it impacts everything else.
This is why real financial planning isn’t about returns.
It’s about getting the sequence right.

But here’s the part that mattered most in this conversation…

He’s not retiring early because he can.
He’s retiring early because he wants to live.
That shifted everything.

Our conversation moved beyond numbers to wealth transfer, gifting, and being present to experience the gifts they are giving with his kids and grandkids.💗

All made possible because there was a plan.

Money gives you options.
Planning gives you permission to use them.

Investing is emotional.There’s no way around it.Fear, doubt, confidence, excitement… it all shows up at different points...
05/04/2026

Investing is emotional.
There’s no way around it.

Fear, doubt, confidence, excitement… it all shows up at different points along the journey.

That’s why who you walk through it with matters.

Because when there’s trust and connection, you’re not navigating it alone. You have someone beside you; steady, grounded, and aligned with where you’re going.

Just like this.

It’s not about controlling every step. It’s about having someone who understands you, who communicates openly, and who helps you stay on track when emotions try to pull you off course.

That’s where real transparency comes from.
That’s where clarity is built.
That’s where long-term strategies actually stick.

Choose someone who walks with you.
Who understands your pace.
And who is just as committed to your future as you are.

You can have the best intentions, the best income, and even a solid plan…But without the right team around you, things c...
05/03/2026

You can have the best intentions, the best income, and even a solid plan…But without the right team around you, things can still fall apart.

One of the biggest gaps I see? Your accountant and your advisor working in silos. Meeting once a year at tax time isn’t a strategy. It’s a missed opportunity.

Because real financial progress happens in the in-between:
-when investment decisions consider tax implications
-when business income, compensation, and growth strategies are aligned
-when everyone is working toward the same outcome, not just their piece of it.

Collaboration isn’t a luxury. It’s a necessity.
The right team challenges you, communicates regularly, and works together behind the scenes to create clarity and momentum.

When your professionals are aligned, your plan becomes stronger, more efficient… and far more intentional.

As the warm weather hits🌞, and your mind drifts to the golf course,🏌🏽‍♀️ at Trailway 🍺or on a bike.🚴in the middle of the...
04/28/2026

As the warm weather hits🌞, and your mind drifts to the golf course,🏌🏽‍♀️ at Trailway 🍺or on a bike.🚴in the middle of the day....you might also find yourself thinking about a few things....

-How much do I actually need to retire?

-Am I on track?

-Do I pay down debt or invest for my retirement?

-I have a pension,....will it be enough?

If these questions have crossed your mind, you're not alone.

Let's figure out if you are going to be okay and what your future paycheck looks like.

Address

Suite 7/77 Westmorland Street
Fredericton, NB

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