PWL Capital delivers real value to its clients with a disciplined investment approach and a focus on personal service.

PWL Capital is changing the way canadians invest.

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PWL Capital - Waterloo 1-877-517-0888

What We Do

Premium Ongoing Service

Our clients benefit from semi-annual performance reporting, regular meetings, financial planning, and systematic rebalancing.

Unbiased Financial Advice

We are paid directly by our clients, so our advice is never influenced by commissions or incentives from financial products.

Science-based Portfolio Management

We focus on what we can control: selecting an asset mix, managing risk, minimizing fees and taxes, and encouraging discipline.

What Our Clients Are Saying

James & Patricia McDowell

Graham, more recently joined by Susan, has been our financial advisor since 2006 and we moved to PWL with him in 2010. We greatly appreciate the solid research base, honesty and integrity, advice and planning, and the excellent investment outcomes (tax and risk management, investment performance and reporting) we have enjoyed while moving into and through retirement. Graham's ability to analyze each client's situation, preferences, risks and needs seems outstanding to us. We are very happy campers.

Frank and Dianne Beletz

Graham Westmacott and Susan Daley provide the best service one could ever expect. They are extremely realistic and I perceive them as being most concerned with what is best for us and our situation rather than just focused on sales. Both Graham and Susan work as a team and are very knowledgeable, easy to speak with and are always willing to provide guidance at any time.

David & Joyce Vann

We have been working with Graham from early 2009. During this time Graham has acted as our financial adviser in the early years of our retirement, giving growth and security within our portfolio. His dedication, knowledge and service to us as clients has been exceptional over this time, and we value his advice and guidance with our portfolio management.
We highly recommend Graham as a financial adviser.

Elizabeth Ritchie


Firstly, I want to say I am very pleased with Graham's financial advice. Over the 7 years we have worked together, he has taken much time to listen carefully to my need to have my retirement funds safe and to the myriad work/life changes that came along. Over the years, Graham has shown integrity in all dealings with me. It would be hard to match his openness, candour, general life knowledge, goodwill and attention to detail. 

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