SIMPLIFYING WEALTH FOR CANADIANS Helping you frame financial decisions through the lens of living a good life IIROC AdvisorReport Meet our Client Relationship Team We offer comprehensive Wealth Management services to Canadians. The PWL Capital team can help you achieve your financial goals. Contact us for more information. Ben Wilson Advisor Services Lead, Associate Portfolio Manager, CFP®, CIM® PWL Capital Team Jaclyn Cecereu Financial Planner, Investment Advisor, CFP®, BComm. PWL Capital Team Jordan Tarasoff Financial Planner, Associate Portfolio Manager, CFA, CFP®, CIM®, CIWM, CLU PWL Capital Team Brady Plunkett CIM®, CFP®, Portfolio Manager PWL Capital Team Phillip Briggs Financial Planner, Investment Advisor, CFP®, CIM® PWL Capital Team Melissa Laursen Financial Planning Associate PWL Capital Team Jordan Carter CFA, CFP®, CIM®, Financial Planning Associate, Investment Advisor PWL Capital Team Maria Najera Financial Planning Associate PWL Capital Team Mathieu Huneault CFP®, Investment Advisor, Financial Planning Associate PWL Capital Team Benjamin Mayhew Financial Planning Associate, Investment Advisor CFP® PWL Capital Team Join the Rational Reminder’s 23 in 23 Reading Challenge! We are back again this year inviting you to discover new books, authors, genres or maybe learn about a new subject by reading 23 books in 2023. IDEAS & INSIGHTS Rational Reminder EP 244: Charles D. Ellis: The Loser’s Game Mar 16, 2023 Personal Wealth High Interest Savings Account ETFs Mar 9, 2023 Personal Wealth Rational Reminder EP 243 : The Role of Debt in Financial Planning Mar 9, 2023 Personal Wealth Rational Reminder EP 242 : Erica Alini: Personal Finance Tactics for the Real World Mar 2, 2023 Personal Wealth Expected Returns – 2023 Update Feb 24, 2023 Personal Wealth Rational Reminder EP 241: Basic Personal Finance Concepts Feb 23, 2023 Personal Wealth Rational Reminder EP 240: Prof. Eric J. Johnson: Choice Architecture and Financial Decisions Feb 16, 2023 Personal Wealth Rational Reminder EP 239: The Math of Financial Planning Feb 9, 2023 Personal Wealth Model Portfolio For illustration purposes only. Actual client portfolios may differ. As of February 28, 2023. 40% Stocks - 60% Bonds 50% Stocks - 50% Bonds 60% Stocks - 40% Bonds 70% Stocks - 30% Bonds 80% Stocks - 20% Bonds 100% Stocks - 0% Bonds Model Portfolio Performance 40% Stocks - 60% Bonds YTD Return 1-Year Total Return -3.39% 3-Year Annualized Return 3.48% 5-Year Annualized Return 3.07% 10-Year Annualized Return 4.34% 20-Year Annualized Return 5.34% Worst Drawdown (05/2007-02/2009) -18.90% Drawdown - Time to Recovery (from the bottom) 11 months 20-Year Annualized Standard Deviation 5.80% Model Portfolio Performance 50% Stocks - 50% Bonds YTD Return 1-Year Total Return -2.88% 3-Year Annualized Return 4.88% 5-Year Annualized Return 3.80% 10-Year Annualized Return 5.14% 20-Year Annualized Return 5.98% Worst Drawdown (05/2007-02/2009) -24.70% Drawdown - Time to Recovery (from the bottom) 14 months 20-Year Annualized Standard Deviation 7.02% Model Portfolio Performance 60% Stocks - 40% Bonds YTD Return 1-Year Total Return -2.36% 3-Year Annualized Return 6.27% 5-Year Annualized Return 4.44% 10-Year Annualized Return 5.93% 20-Year Annualized Return 6.64% Worst Drawdown (05/2007-02/2009) -30.10% Drawdown - Time to Recovery (from the bottom) 20 months 20-Year Annualized Standard Deviation 8.24% Model Portfolio Performance 70% Stocks - 30% Bonds YTD Return 1-Year Total Return -1.85% 3-Year Annualized Return 7.59% 5-Year Annualized Return 5.04% 10-Year Annualized Return 6.76% 20-Year Annualized Return 7.26% Worst Drawdown (05/2007-02/2009) -35.10% Drawdown - Time to Recovery (from the bottom) 23 months 20-Year Annualized Standard Deviation 9.48% Model Portfolio Performance 80% Stocks - 20% Bonds YTD Return 1-Year Total Return -1.29% 3-Year Annualized Return 8.97% 5-Year Annualized Return 5.68% 10-Year Annualized Return 7.40% 20-Year Annualized Return 7.80% Worst Drawdown (05/2007-02/2009) -39.80% Drawdown - Time to Recovery (from the bottom) 24 months 20-Year Annualized Standard Deviation 10.74% Model Portfolio Performance 100% Stocks - 0% Bonds YTD Return 1-Year Total Return 0.10% 3-Year Annualized Return 11.92% 5-Year Annualized Return 6.89% 10-Year Annualized Return 8.83% 20-Year Annualized Return 8.95% Worst Drawdown (05/2007-02/2009) -48.00% Drawdown - Time to Recovery (from the bottom) 48 months 20-Year Annualized Standard Deviation 13.22% Recommended Resources I'm looking for Market Statistics White Papers Model Portfolios Important Documents Client Guides Market Statistics White Papers Model Portfolios Important Documents Client Guides Market Statistics – February 2023 Market Statistics – January 2023 Market Statistics – December 2022 Market Statistics – December 2022 Market Statistics – November 2022 Market Statistics – February 2023 Published: March 6, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Market Statistics – January 2023 Published: February 2, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Market Statistics – December 2022 Published: January 5, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Market Statistics – December 2022 Published: January 2, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Market Statistics – November 2022 Published: December 2, 2022 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Market Statistics – February 2023 Learn More Market Statistics – January 2023 Learn More Market Statistics – December 2022 Learn More Market Statistics – December 2022 Learn More Market Statistics – November 2022 Learn More Financial Planning Assumptions (Market Capitalization Weighted Portfolio) Financial Planning Assumptions (Factor Tilted Portfolio) Goals Survey Summary Dimensional Equity Funds Financial Planning Assumptions – (Market Capitalization Weighted Portfolio) Personal Wealth Financial Planning Assumptions (Market Capitalization Weighted Portfolio) Published: February 22, 2023 In this paper we devise an evidence-based approach for setting expectations for stocks, bonds, bills, inflation, and housing for use in asset allocation and financial planning decisions. This paper marks an evolution in PWL Capital’s methodology which has been in use for more than half a decade. Contributors Personal Wealth Financial Planning Assumptions (Factor Tilted Portfolio) Published: February 22, 2023 In this paper we devise an evidence-based approach for setting expectations for stocks, bonds, bills, inflation, and housing for use in asset allocation and financial planning decisions. This paper marks an evolution in PWL Capital’s methodology which has been in use for more than half a decade. Contributors Personal Wealth Goals Survey Summary Published: October 20, 2022 Generating relevant objectives based on values, information, and knowledge is a necessary part of any decision. While it is common for financial planners to assist […] Contributors Personal Wealth Dimensional Equity Funds Published: October 13, 2022 PWL Capital (PWL) primarily uses funds from Dimensional Fund Advisors (Dimensional) to build ourclients’ investment portfolios. PWL’s current position is that for the purpose of […] Contributors Personal Wealth Financial Planning Assumptions – (Market Capitalization Weighted Portfolio) Published: September 9, 2022 This guide is intended to provide Canadian financial planners with our best estimates of future assetclass returns and volatilities to produce financial projections for their […] Contributors Financial Planning Assumptions (Market Capitalization Weighted Portfolio) Summary In this paper we devise an evidence-based approach for setting expectations for stocks, bonds, bills, inflation, and housing for use in asset allocation and financial planning decisions. This paper marks an evolution in PWL Capital’s methodology which has been in use for more than half a decade. Contributors Learn More Financial Planning Assumptions (Factor Tilted Portfolio) Summary In this paper we devise an evidence-based approach for setting expectations for stocks, bonds, bills, inflation, and housing for use in asset allocation and financial planning decisions. This paper marks an evolution in PWL Capital’s methodology which has been in use for more than half a decade. Contributors Learn More Goals Survey Summary Contributors Learn More Dimensional Equity Funds Contributors Learn More Financial Planning Assumptions – (Market Capitalization Weighted Portfolio) Contributors Learn More Capital Team – Dimensional Global Portfolios – February 28, 2023 Capital Team – Dimensional Global Portfolios – January 31, 2023 Capital Team – Dimensional Global Portfolios – December 31, 2022 Capital Team – Dimensional Global Portfolios – November 30, 2022 Capital Team – Dimensional Global Portfolios – September 30, 2022 Capital Team – Dimensional Global Portfolios – February 28, 2023 Published: March 10, 2023 This document provides the performance data for Dimensional Global Portfolios for February 28, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Capital Team – Dimensional Global Portfolios – January 31, 2023 Published: February 14, 2023 This document provides the performance data for Dimensional Global Portfolios for January 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Capital Team – Dimensional Global Portfolios – December 31, 2022 Published: January 18, 2023 This document provides the performance data for Dimensional Global Portfolios for December 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Capital Team – Dimensional Global Portfolios – November 30, 2022 Published: December 14, 2022 This document provides the performance data for Dimensional Global Portfolios for November 2022, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Capital Team – Dimensional Global Portfolios – September 30, 2022 Published: October 14, 2022 This document provides the performance data for Dimensional Global Portfolios for September 2022, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Capital Team – Dimensional Global Portfolios – February 28, 2023 Learn More Capital Team – Dimensional Global Portfolios – January 31, 2023 Learn More Capital Team – Dimensional Global Portfolios – December 31, 2022 Learn More Capital Team – Dimensional Global Portfolios – November 30, 2022 Learn More Capital Team – Dimensional Global Portfolios – September 30, 2022 Learn More Your 2022 Tax Return – Tax Reporting Information HISA INFORMATION The Safe-Keeping of your Assets NBIN Best Execution Public Disclosure Statement Introducing/carrying broker disclosure statement Your 2022 Tax Return – Tax Reporting Information Published: December 2, 2022 To help you complete your income tax return, the following document is an overview of the most common Canadian tax slips. HISA INFORMATION Published: November 2, 2022 The release of the Bill C-86 which introduced sweeping changes to the Bank Act’s consumer protection framework, involving key amendments related to selling practices and […] Personal Wealth The Safe-Keeping of your Assets Published: October 30, 2020 PWL Capital is structured such that all your assets are held in accounts in your name by our carrying broker, National Bank Independent Network. When you deposit money to your accounts, the cheque is made out to NBIN, never PWL. Any movements of funds or securities in or out of your accounts can only be executed with your written authorization. Personal Wealth NBIN Best Execution Public Disclosure Statement Published: September 4, 2018 The following are recent changes to the NBF Best Execution public disclosure statement, which will be noted in this section for your reference, and will be maintained for at least the next 6 months Personal Wealth Introducing/carrying broker disclosure statement Published: September 4, 2018 National Bank Independent Network (NBIN) is a division of National Bank Financial Inc. (NBF Inc.), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF Inc. Your 2022 Tax Return – Tax Reporting Information Summary To help you complete your income tax return, the following document is an overview of the most common Canadian tax slips. Learn More HISA INFORMATION Learn More The Safe-Keeping of your Assets Summary PWL Capital is structured such that all your assets are held in accounts in your name by our carrying broker, National Bank Independent Network. When you deposit money to your accounts, the cheque is made out to NBIN, never PWL. Any movements of funds or securities in or out of your accounts can only be executed with your written authorization. Learn More NBIN Best Execution Public Disclosure Statement Summary The following are recent changes to the NBF Best Execution public disclosure statement, which will be noted in this section for your reference, and will be maintained for at least the next 6 months Learn More Introducing/carrying broker disclosure statement Summary National Bank Independent Network (NBIN) is a division of National Bank Financial Inc. (NBF Inc.), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF Inc. Learn More HISA INFORMATION HISA INFORMATION Published: November 2, 2022 The release of the Bill C-86 which introduced sweeping changes to the Bank Act’s consumer protection framework, involving key amendments related to selling practices and […] HISA INFORMATION Learn More
Jordan Tarasoff Financial Planner, Associate Portfolio Manager, CFA, CFP®, CIM®, CIWM, CLU PWL Capital Team
Rational Reminder EP 242 : Erica Alini: Personal Finance Tactics for the Real World Mar 2, 2023 Personal Wealth
Rational Reminder EP 240: Prof. Eric J. Johnson: Choice Architecture and Financial Decisions Feb 16, 2023 Personal Wealth
Market Statistics – February 2023 Published: March 6, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […]
Market Statistics – January 2023 Published: February 2, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […]
Market Statistics – December 2022 Published: January 5, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […]
Market Statistics – December 2022 Published: January 2, 2023 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […]
Market Statistics – November 2022 Published: December 2, 2022 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […]
Personal Wealth Financial Planning Assumptions (Market Capitalization Weighted Portfolio) Published: February 22, 2023 In this paper we devise an evidence-based approach for setting expectations for stocks, bonds, bills, inflation, and housing for use in asset allocation and financial planning decisions. This paper marks an evolution in PWL Capital’s methodology which has been in use for more than half a decade. Contributors
Personal Wealth Financial Planning Assumptions (Factor Tilted Portfolio) Published: February 22, 2023 In this paper we devise an evidence-based approach for setting expectations for stocks, bonds, bills, inflation, and housing for use in asset allocation and financial planning decisions. This paper marks an evolution in PWL Capital’s methodology which has been in use for more than half a decade. Contributors
Personal Wealth Goals Survey Summary Published: October 20, 2022 Generating relevant objectives based on values, information, and knowledge is a necessary part of any decision. While it is common for financial planners to assist […] Contributors
Personal Wealth Dimensional Equity Funds Published: October 13, 2022 PWL Capital (PWL) primarily uses funds from Dimensional Fund Advisors (Dimensional) to build ourclients’ investment portfolios. PWL’s current position is that for the purpose of […] Contributors
Personal Wealth Financial Planning Assumptions – (Market Capitalization Weighted Portfolio) Published: September 9, 2022 This guide is intended to provide Canadian financial planners with our best estimates of future assetclass returns and volatilities to produce financial projections for their […] Contributors
Capital Team – Dimensional Global Portfolios – February 28, 2023 Published: March 10, 2023 This document provides the performance data for Dimensional Global Portfolios for February 28, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […]
Capital Team – Dimensional Global Portfolios – January 31, 2023 Published: February 14, 2023 This document provides the performance data for Dimensional Global Portfolios for January 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […]
Capital Team – Dimensional Global Portfolios – December 31, 2022 Published: January 18, 2023 This document provides the performance data for Dimensional Global Portfolios for December 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […]
Capital Team – Dimensional Global Portfolios – November 30, 2022 Published: December 14, 2022 This document provides the performance data for Dimensional Global Portfolios for November 2022, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […]
Capital Team – Dimensional Global Portfolios – September 30, 2022 Published: October 14, 2022 This document provides the performance data for Dimensional Global Portfolios for September 2022, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […]
Your 2022 Tax Return – Tax Reporting Information Published: December 2, 2022 To help you complete your income tax return, the following document is an overview of the most common Canadian tax slips.
HISA INFORMATION Published: November 2, 2022 The release of the Bill C-86 which introduced sweeping changes to the Bank Act’s consumer protection framework, involving key amendments related to selling practices and […]
Personal Wealth The Safe-Keeping of your Assets Published: October 30, 2020 PWL Capital is structured such that all your assets are held in accounts in your name by our carrying broker, National Bank Independent Network. When you deposit money to your accounts, the cheque is made out to NBIN, never PWL. Any movements of funds or securities in or out of your accounts can only be executed with your written authorization.
Personal Wealth NBIN Best Execution Public Disclosure Statement Published: September 4, 2018 The following are recent changes to the NBF Best Execution public disclosure statement, which will be noted in this section for your reference, and will be maintained for at least the next 6 months
Personal Wealth Introducing/carrying broker disclosure statement Published: September 4, 2018 National Bank Independent Network (NBIN) is a division of National Bank Financial Inc. (NBF Inc.), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF Inc.
HISA INFORMATION Published: November 2, 2022 The release of the Bill C-86 which introduced sweeping changes to the Bank Act’s consumer protection framework, involving key amendments related to selling practices and […]