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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  • Very impressed with the attention given by representatives to your needs and requests as well as the promptness for assistance or any service requested.

    Ron Devries Retired
  • 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
  • I take great comfort in the rational, professional and personal services provided by Nancy Graham and PWL Capital. This firm is not about speculation or hot tips. They take the time to explain how their portfolios are built, the research that supports their approach and most importantly they take the time to understand you and your family. As a professional accountant, I respect the integrity of their process and the logic of their philosophy. If you are looking for investment advice I suggest that spending an hour with Nancy, a portfolio manager at PWL, would be a good investment of your time.

    Charles Armstrong
  • We both felt very comfortable with the planning process and the obvious skills of Shannon and Justin. We feel confident about working together in the future with all members of the team.

    Jan Nicholls and Paul Sobanski Peterborough, Ontario
  • PWL has a time-tested, thorough, systematic approach to investment management.

    B.L. Client since 2001
  • I can give no greater reference for Ben, Cameron and staff than this testimonial. We’ve been with PWL for about 18 months and couldn’t be more pleased. Our money languished with another vendor garnering subpar returns for six years prior. Sure, we received our perfunctory annual Christmas basket, but our portfolio never returned the targeted gain. Not once…

    PWL has been on the money, with our money, from day one. Simple, Data Driven and Predictable. If you’re considering switching portfolio managers – Just Do It.

    Rudy Richman VirtualCSO
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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