Ideas & Insights Our Advisors Our Teams Resources White Papers 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 Living in Retirement Graham Westmacott RRSPs, RRIFs, death and taxes. PWL Capital 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. Living in Retirement PWL Capital Graham Westmacott Target wealth: A new approach to the retirement challenge 2019-07-24T10:00:01 July 24, 2019 A better way to convert savings into retirement income. The defined benefit pension plan, a traditional mainstay of retirement planning, is on its way to extinction. Living in Retirement PWL Capital Graham Westmacott A better way to fund your retirement: ARVA explained 2019-06-17T09:53:29 June 17, 2019 The usual rule of thumb that people use to plan how to fund their retirement is to withdraw 4% a year from their pool of savings. Living in Retirement PWL Capital Graham Westmacott Getting More Without Saving More 2019-05-27T09:34:51 May 27, 2019 Retirees have opportunities to influence both the amount that can be sustainably withdrawn from their investments and the timing of those withdrawals. Personal Wealth PWL Capital Graham Westmacott Creating Pension Income: Dividends or Balanced portfolios? 2019-03-22T10:15:35 March 22, 2019 There are many ways of generating income from a portfolio. We consider how inflation and volatility influence two popular choices. 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! This iframe contains the logic required to handle Ajax powered Gravity Forms. 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Living in Retirement Graham Westmacott RRSPs, RRIFs, death and taxes. PWL Capital 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.
Living in Retirement PWL Capital Graham Westmacott Target wealth: A new approach to the retirement challenge 2019-07-24T10:00:01 July 24, 2019 A better way to convert savings into retirement income. The defined benefit pension plan, a traditional mainstay of retirement planning, is on its way to extinction.
Living in Retirement PWL Capital Graham Westmacott A better way to fund your retirement: ARVA explained 2019-06-17T09:53:29 June 17, 2019 The usual rule of thumb that people use to plan how to fund their retirement is to withdraw 4% a year from their pool of savings.
Living in Retirement PWL Capital Graham Westmacott Getting More Without Saving More 2019-05-27T09:34:51 May 27, 2019 Retirees have opportunities to influence both the amount that can be sustainably withdrawn from their investments and the timing of those withdrawals.
Personal Wealth PWL Capital Graham Westmacott Creating Pension Income: Dividends or Balanced portfolios? 2019-03-22T10:15:35 March 22, 2019 There are many ways of generating income from a portfolio. We consider how inflation and volatility influence two popular choices.