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.

Behavioural Finance

Are my savings goals in ruins (Part 2)?

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

New Ebook: A Better Way to Fund Your Retirement

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. 

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  • 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.

    Elizabeth Ritchie
  • 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.

    David & Joyce Vann
  • 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.

    Frank and Dianne Beletz
  • 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.

    James & Patricia McDowell
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    Who We Are

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