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 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 Advanced Investing Graham Westmacott The Algorithms are Coming! PWL Capital 2018-11-19T10:00:42 November 19, 2018 We argue the case for Exchange Traded Funds (ETFs) as just the forerunner of a coupling of algorithms with advisors to improve the client experience. Living in Retirement PWL Capital Graham Westmacott Demand Less, Get More 2018-09-20T16:19:16 September 20, 2018 Should retirees be flexible and adjust their spending when market winds blow? We investigate how being flexible impacts total spending in retirement. Living in Retirement PWL Capital Graham Westmacott Should we care about Long Term Care? 2018-07-18T10:00:25 July 18, 2018 LTC is the provision of care for someone who no longer is able or wishes to live independently. This care can be provided and absorbed by the family within the home or may require leaving the home for a separate facility. Living in Retirement PWL Capital Graham Westmacott Optimal Lifecycle Asset Allocation: A Goal Driven Approach to Saving and Spending 2018-06-18T10:00:58 June 18, 2018 Investing for retirement can be considered in a similar fashion: given a pre-retirement savings rate and a desired spending rate in retirement, what is the allocation to stocks most likely to achieve my goals? Living in Retirement PWL Capital Graham Westmacott Book Review: Retirement Income For Life 2018-04-30T10:00:33 April 30, 2018 The latest book focuses almost exclusively on decumulation. Together these books provide a great resource to Canadians who see retirement on the horizon and are beginning to wonder whether it is to be embraced or feared. 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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Advanced Investing Graham Westmacott The Algorithms are Coming! PWL Capital 2018-11-19T10:00:42 November 19, 2018 We argue the case for Exchange Traded Funds (ETFs) as just the forerunner of a coupling of algorithms with advisors to improve the client experience.
Living in Retirement PWL Capital Graham Westmacott Demand Less, Get More 2018-09-20T16:19:16 September 20, 2018 Should retirees be flexible and adjust their spending when market winds blow? We investigate how being flexible impacts total spending in retirement.
Living in Retirement PWL Capital Graham Westmacott Should we care about Long Term Care? 2018-07-18T10:00:25 July 18, 2018 LTC is the provision of care for someone who no longer is able or wishes to live independently. This care can be provided and absorbed by the family within the home or may require leaving the home for a separate facility.
Living in Retirement PWL Capital Graham Westmacott Optimal Lifecycle Asset Allocation: A Goal Driven Approach to Saving and Spending 2018-06-18T10:00:58 June 18, 2018 Investing for retirement can be considered in a similar fashion: given a pre-retirement savings rate and a desired spending rate in retirement, what is the allocation to stocks most likely to achieve my goals?
Living in Retirement PWL Capital Graham Westmacott Book Review: Retirement Income For Life 2018-04-30T10:00:33 April 30, 2018 The latest book focuses almost exclusively on decumulation. Together these books provide a great resource to Canadians who see retirement on the horizon and are beginning to wonder whether it is to be embraced or feared.