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 Behavioural Finance Are my savings goals in ruins (Part 2)? PWL Capital 2020-05-4T14:30:27 May 4, 2020 In a recent blog we discussed how a fall in market prices today leads to an expectation of higher returns tomorrow. We explore this in more detail by considering the impact of the fall in portfolio values at the end of March and the revised expected returns on investors in different stage of their lives. Personal Wealth Graham Westmacott New Ebook: A Better Way to Fund Your Retirement 2020-04-24T12:37:57 April 24, 2020 Figuring out how to fund your retirement from your savings has been called the most difficult challenge in personal finance. This eBook is here to help. It explains your options and provides you with strategies to get: a steady income throughout your retirement, more income without saving more, peace of mind that you’re on the right track. Personal Wealth Graham Westmacott Are My Savings Goals in Ruins? 2020-03-31T11:05:56 March 31, 2020 Stocks have fallen approximately 25% since the start of the year. Does this mean my retirement plans and other financial goals are in ruins? Personal Wealth The Two Most Important Words in Investing 2020-03-18T10:58:49 March 18, 2020 In the opening sentence to his book on Asset Management, published in 2014, Professor Andrew Ang said: “The two most important words in investing are bad times” Living in Retirement Graham Westmacott RRSPs, RRIFs, death and taxes. 2019-08-28T11:21:00 August 28, 2019 Does accelerating withdrawals from registered retirement plans reduce taxes? Prompted by the recent death of a friend, a client asked what they could to avoid a large tax bill from their registered savings when they died. 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. Who We Are Contact the Waterloo Team Name First Last How can we help?Email* Phone*CityProvinceAlbertaBritish ColumbiaManitobaNew BrunswickNewfoundland and LabradorNorthwest TerritoriesNova ScotiaNunavutOntarioPrince-Edward IslandQuebecSaskatchewanYukonYes, I want to subscribe to the Waterloo Team newsletter! Yes, I want to subscribe to the Waterloo Team newsletter! Ideas & Insights Our Advisors Our Teams Resources All Resources White Papers eBook Market Statistics Important Documents Model Portfolios Recommended Readings Calculators Checklists What We Do Who We Are Our Story Our Board Members Management Team Governance & Internal Controls Compliance World Class Partners Research Department Contact Us Client Login FR
Behavioural Finance Are my savings goals in ruins (Part 2)? PWL Capital 2020-05-4T14:30:27 May 4, 2020 In a recent blog we discussed how a fall in market prices today leads to an expectation of higher returns tomorrow. We explore this in more detail by considering the impact of the fall in portfolio values at the end of March and the revised expected returns on investors in different stage of their lives.
Personal Wealth Graham Westmacott New Ebook: A Better Way to Fund Your Retirement 2020-04-24T12:37:57 April 24, 2020 Figuring out how to fund your retirement from your savings has been called the most difficult challenge in personal finance. This eBook is here to help. It explains your options and provides you with strategies to get: a steady income throughout your retirement, more income without saving more, peace of mind that you’re on the right track.
Personal Wealth Graham Westmacott Are My Savings Goals in Ruins? 2020-03-31T11:05:56 March 31, 2020 Stocks have fallen approximately 25% since the start of the year. Does this mean my retirement plans and other financial goals are in ruins?
Personal Wealth The Two Most Important Words in Investing 2020-03-18T10:58:49 March 18, 2020 In the opening sentence to his book on Asset Management, published in 2014, Professor Andrew Ang said: “The two most important words in investing are bad times”
Living in Retirement Graham Westmacott RRSPs, RRIFs, death and taxes. 2019-08-28T11:21:00 August 28, 2019 Does accelerating withdrawals from registered retirement plans reduce taxes? Prompted by the recent death of a friend, a client asked what they could to avoid a large tax bill from their registered savings when they died.