Ideas & Insights Our Advisors Our Teams Resources White Papers eBook Market Statistics Model Portfolios Important Documents Recommended Readings Calculators What We Do Who We Are Our Story Our Board Members Management Team Governance & Internal Controls Compliance Safe-Keeping your Assets World Class Partners Research Department Perspective Newsletter Careers Contact Us Graham Westmacott MBA, CFA, Portfolio Manager Portfolio Manager, Waterloo. Graham believes wealth management should be based on facts and repeatable processes, rather than stories about the future. Ideas & Insights Team Contact Menu Ideas & Insights Team Contact Two years, without interruption, in the Antarctic looking for the ozone hole provided Graham early valuable lessons: (i) money and wealth are not the same (ii) facts are more easily acquired than empathy. Graham subsequently spent a decade on technology transfer from the government to the private sector in the UK, U.S., and Canada. Third lesson: if you want to help change people’s behaviour, change their environment. Time with a large Canadian bank brokerage provided opportunities to practice what Graham had learned, especially the third lesson. So he left, and established the Waterloo office of PWL Capital in 2010. Graham has a particular interest in providing reliable retirement income in an uncertain world. Sample publications: Target Wealth: The Evolution of Target Date Funds or (SSRN version) The Retiree’s Dilemma: Live Long & Prosper Should My Portfolio Be on a Glide Path? Credentials: BSc Hons. Mathematics and Physics, MBA, CFA Member of the Toronto CFA Society Past President, Waterloo Rotary Read More Hide Contact Graham Westmacott Personal Wealth Graham Westmacott Housing the homeless PWL Capital 2020-12-16T16:43:28 December 16, 2020 The case for housing the homeless can be stated in moral and economic terms. As a provider of investment services, we thought we should stay in our lane and educate ourselves on the economic arguments. Living in Retirement Graham Westmacott The impact of low interest rates on retirement. 2020-10-29T08:30:24 October 29, 2020 Joe is in a quandary. He had figured that he would buy a new truck in 3 years. He hadn’t been paying attention to the news much and assumed his $40,000 savings would grow by 3% annually so he estimated he would have approximately $44,000 to spend. In fact, given current interest rates, his interest rate on his savings is close to zero. Personal Wealth Graham Westmacott Inflation or Deflation: Trick or Treat? 2020-09-29T14:09:31 September 29, 2020 Should investor’s worry about inflation or deflation and how does that impact portfolio choices? Personal Wealth Graham Westmacott When to take CPP – another spin of the wheel 2020-08-26T08:55:58 August 26, 2020 A favourite topic for the financial media is when to take the Canada Pension Plan (CPP). Some advocate taking it at 65, others advocate delaying until age 70. Different viewpoints arise because of how the problem is framed and the assumptions that follow. Personal Wealth Graham Westmacott The Ulysses Contract 2020-07-28T10:29:14 July 28, 2020 According to legend, Ulysses, the hero of Homer’s epic tale, the Odyssey, encounters the Sirens on his return from the Trojan war. The Sirens lured sailors to their doom through their enchanting music and singing. Waterloo Team IIROC AdvisorReport Testimonials 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. We have been working with Graham from early 2009, and joined him at PWL Capital in May 2010 . During this time Graham has acted as our financial adviser in the early years of our retirement, and has provided us with help and advice, giving growth and security within our portfolio, in excess of our RRIF withdrawal requirements. 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. Graham, more recently joined by Susan, has been our financial advisor since 2006 and we moved to PWL with him in 2010. Graham’s ability to analyze each client’s situation, preferences and needs seems outstanding to us. 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Personal Wealth Graham Westmacott Housing the homeless PWL Capital 2020-12-16T16:43:28 December 16, 2020 The case for housing the homeless can be stated in moral and economic terms. As a provider of investment services, we thought we should stay in our lane and educate ourselves on the economic arguments.
Living in Retirement Graham Westmacott The impact of low interest rates on retirement. 2020-10-29T08:30:24 October 29, 2020 Joe is in a quandary. He had figured that he would buy a new truck in 3 years. He hadn’t been paying attention to the news much and assumed his $40,000 savings would grow by 3% annually so he estimated he would have approximately $44,000 to spend. In fact, given current interest rates, his interest rate on his savings is close to zero.
Personal Wealth Graham Westmacott Inflation or Deflation: Trick or Treat? 2020-09-29T14:09:31 September 29, 2020 Should investor’s worry about inflation or deflation and how does that impact portfolio choices?
Personal Wealth Graham Westmacott When to take CPP – another spin of the wheel 2020-08-26T08:55:58 August 26, 2020 A favourite topic for the financial media is when to take the Canada Pension Plan (CPP). Some advocate taking it at 65, others advocate delaying until age 70. Different viewpoints arise because of how the problem is framed and the assumptions that follow.
Personal Wealth Graham Westmacott The Ulysses Contract 2020-07-28T10:29:14 July 28, 2020 According to legend, Ulysses, the hero of Homer’s epic tale, the Odyssey, encounters the Sirens on his return from the Trojan war. The Sirens lured sailors to their doom through their enchanting music and singing.