Personal Wealth
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4 Steps to Calculate Your Disability Coverage

For millennials, long-term disability insurance might be the most important decision in their life. The average 25-year-old has $1.75 million in human capital to protect. Those that earn more than an average income of $43,700, have more human capital at risk. I outline the various sources of income you can receive if you become disabled and how to protect yourself by getting an appropriate amount of disability insurance coverage.

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  • We decided to sign on with Justin and Shannon at PWL Capital for several reasons: the passive investment model, good interpersonal skills, transparency with regards to fees, and adherence to the fiduciary standard. I would have no hesitation to recommend this team.

    Dr. Rashid Rajah (MD) and Julie Rajah Toronto, Ontario
  • We were looking for a management style that would reduce portfolio volatility and generate long-term stable growth. And we found it with Cameron’s pragmatic, no-nonsense approach to investment strategy.

    Johannes Hill Technology Investor
  • I chose to work with Cameron and PWL because I felt I would receive honest advice, fair and simple pricing, and an amazing product. Cameron doesn’t push investments: he educates me with what strategies work for my needs. Anyone looking for personalized, honest investment strategies needs to have a chat with Cameron – especially after one of his great talks!

    Carson Brown Product Manager
  • PWL has provided me with the peace of mind that comes from knowing my investments aren’t exposed to unnecessary risks. They’ve always made a point of promptly answering any questions I’ve had and processing all my instructions in an expeditious manner, which has led to a very positive working relationship.

    Richard Z Maple, Ontario
  • Excellent approach to hands off investing…have not looked at financial news in over 2 years … index investments are doing well and the PWL team takes care of the details.

    Kevin Thibert, Client Executive, CISCO
  • PWL’s client services are incredibly good. Any questions or concerns are addressed promptly and thoroughly. I always feel well taken care of.

    James MacAulay
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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