Investing in Peace of Mind

Integrated Financial Planning and Asset Management.
No fads. No guesswork. No drama.

What PWL can do for you
Investment Industry Regulatory Organization of Canada
Starting Out

Intro to Retirement Planning for Millennials

For most millennials, retirement seems like it’s ages away; a future you problem. The cards might seem to be stacked against us: the number of Defined Benefit pension plans are falling, we’re living longer, student debt levels are rising, and house prices are massive compared to our incomes. I break down the basic concepts of retirement planning in this video to help you get started.

DIY Investing

GICs vs. Bond ETFs: A Case Study and Bold Adventure

Star Trek may have introduced the expression, “to boldly go where no man has gone before,” but we’re the ones who actually get to do it in today’s post. To my knowledge, nobody has ever compared the before- and after-tax returns of Guaranteed Investment Certificate (GIC) ladders versus bond ETFs. At least I’ve not found an unbiased, historical comparison anyplace online.

Personal Wealth

Should GICs Replace Bonds in a Portfolio?

Should GICs Replace Bonds in a Portfolio? To answer this question, we first need to understand the difference between a bond fund’s yield to maturity and the interest rate on a GIC. We then need to understand the relative tax efficiency of GICs compared to bond funds, and how it may impact after-tax returns.

Market Research
Stock Markets Ticker Window Street

Spotlight on high-yield bond ETFs

Given the meagre interest rates paid by investment-grade bonds and GICs, it is only normal that people are interested in investments with a higher return. That includes advisors, as high-yield bond (HYB) exchange traded funds (ETFs) offered by BMO and iShares alone hold over $2 billion in assets.That’s not chicken feed.

Recommended Resources

Quote Icon>

  • I’ve realized that I can’t be an expert in everything. I don’t have the time or patience to study up on finances and investments. Leave it to the pros. Cameron takes my pile of money, and makes it bigger. This is awesome.

    Serena Ngai Designer

  • 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

  • They provide simple, sound advice without any pressure to buy a specific product.

    Nick Simmons Shopify

  • 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

  • Honest, knowledgeable information. There is a big focus on teaching the basis for their decisions instead of just saying what they will do.

    Cameron has taught me a lot about how to invest my money in smarter ways. He took time to teach me how stock markets work and where stock market returns actually come from, instead of just suggesting specific funds and products to buy. I have never had another financial advisor that is this dedicated to their clients understanding of money and financial planning.

    Adam Becevello Software Developer
Arrow Left Arrow Right

    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.

    Arrow Left Arrow Right

      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