Personal Wealth
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How to Calculate Your Life Insurance Needs

Life Insurance is a key part of many families’ risk strategy. A key question is how much do you need? The key to determining the amount of life insurance that’s necessary is to understand what happens financially if you or your spouse dies. The goal is to have your loved ones be able to sustain their standard of living without having to make big sacrifices.

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  • We have been working with Graham from early 2009, and  joined him at PWL Capital in May 2010 . During this time Graham has acted as our financial adviser in the early years of our retirement, and has provided us with help and advice, giving  growth and security within our portfolio, in excess of our RRIF withdrawal requirements.

    David & Joyce Vann
  • Once again thank you very much. It’s this type of personal and extraordinary service and obsession with looking after the client that make you guys so amazing and successful.

    Chris Coates The Coates Agency
  • Excellent past experience. Personal touch. Advisors take the time to learn what my goals are and my comfort level in terms of risk. Regular follow ups.

    Chris Layer
  • We chose Nancy Graham and PWL because of their 100% transparent management of our investments, and their calm, rational approach to investment strategies. Unlike most other investment advisors, PWL chooses investment vehicles without hidden commission and transaction fees, and thus do not suggest transactions that benefit the advisor more than the investor. Our investments, as selected on Nancy’s advice and expertise, have lower costs than commission-based products, leaving more return for us.

    Kristine van der Pas-Norenius, Entrepreneur and Strategy Consultant
  • Cameron is an excellent advisor who takes the time to consider individuals concerns and planning prior to creating a plan. I have referred to Cameron and will again.

    Josh Smith Tax Welch LLP
  • Excellent service and considerate of my individual circumstances. Down to earth language and communications, investment strategy and approach. PWL is excellent for investment services and financial planning. That is why I am a client.

    Richard Slowikowski Federal Civil Servant
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    Meet PWL Financial Advisors

    At PWL Capital, our focus is simple: we do what’s right for you, each and every day. In return, clients like you have rewarded us with more than two decades of trust, loyalty and respect.

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      Waterloo

      20 Erb St. W
      Suite 506
      Waterloo N2L 1T2 ON

      Toronto

      8 Wellington Street East
      3rd Floor
      Toronto M5E 1C5 ON

      Ottawa

      265 Carling Avenue
      8th Floor
      Ottawa K1S 2E1 ON

      Montreal

      3400 de Maisonneuve Ouest
      Suite 1501
      Montreal H3Z 3B8 QC