Justin Bender

CFA, CFP, B.Comm., Portfolio Manager

With more than a decade of experience managing portfolios, Justin is focused on keeping costs and taxes low for his clients. His skills as an analyst and researcher have made him widely respected in the ETF industry.

After graduating from the University of Guelph, Justin spent two years with a large mutual fund company and quickly learned that the financial industry doesn’t always serve its clients well. He spent his lunch hours reading books by John Bogle (the legendary founder of Vanguard) and hoped to one day work with a firm that put investors first.

Justin joined PWL in 2007 and obtained his Certified Financial Planner designation the following year. He earned the Chartered Financial Analyst designation in 2010.

DIY Investing

Understanding International Equity ETFs

In the last installment of my “Understanding ETFs” series, we toured the U.S. equity ETF landscape, covering solutions you can use to diversify your portfolio’s domestic stock allocation. Today, let’s head overseas, to explore how to further diversify your global portfolio by adding ETFs from other developed markets around the globe.

DIY Investing
American Flag Worm Eye View by Patrick Tomasso on unsplash

Understanding US Equity ETFs

In the first installment in my “Understanding ETFs” series, we toured the Canadian equity ETF landscape, covering solutions you can use for your investment portfolio’s domestic stock allocation. Today, I want to switch gears and head south of the border, to explore some of the U.S. equity ETFs you can add in, to diversify your Canadian-heavy portfolio.

DIY Investing
Canada Toronto City Skyline by scott webb on unsplash

Understanding Canadian Equity ETFs

Hello everyone. Are you ready for a crash course in understanding exchange-traded funds (ETFs)? Today, we’ll kick things off by popping the hoods on a sporty collection of Canadian equity ETF solutions for your portfolio’s domestic stock allocation.

DIY Investing
Man Holding Performance Review Graphs Number On Tablet

Breaking News, Familiar Ground: iShares Asset Allocation ETFs

If there’s an overnight success story to be savored from 2018, it would be Vanguard’s Asset Allocation ETFs. Since their launch earlier this year, their combined assets under management have already exceeded $800 million. What’s not to like about gaining access to a low-cost, self-rebalancing globally diversified portfolio with the click of a mouse?

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  • PWL has provided me with the peace of mind that comes from knowing my investments aren’t exposed to unnecessary risks. They’ve always made a point of promptly answering any questions I’ve had and processing all my instructions in an expeditious manner, which has led to a very positive working relationship.

    Richard Z Maple, Ontario
  • Justin, Shannon and PWL Capital have demonstrated a confident professionalism and realistic understanding of my financial situation and expected requirements. They have given me the sense of security and trust that I am looking for: I feel that I am in good hands.

    Randy Kenney Yarmouth, Nova Scotia
  • Shannon and Justin are a rare find in the industry. Before switching I was being charged up to 2.5% in hidden fees. PWL took the time to set me up with a plan that openly states their fees and clearly articulated the nature of the investments. It’s refreshing to meet a team so up-to-date with the latest technology. I can’t recommend this team’s services enough.

    Mark Dunkley Toronto, Ontario
  • PWL Capital has handled my finances for about 10 years. My confidence level is high as I start into a time of life when significant transitions are made. I rest assured that PWL and its staff are on top of my financial affairs and work within a conservative, reliable and standards-driven organization.

    Jill Willington Richmond Hill, Ontario
  • We both felt very comfortable with the planning process and the obvious skills of Shannon and Justin. We feel confident about working together in the future with all members of the team.

    Jan Nicholls and Paul Sobanski Peterborough, Ontario
  • We decided to sign on with Justin and Shannon at PWL Capital for several reasons: the passive investment model, good interpersonal skills, transparency with regards to fees, and adherence to the fiduciary standard. I would have no hesitation to recommend this team.

    Dr. Rashid Rajah (MD) and Julie Rajah Toronto, Ontario
  • Justin and Shannon offer a level of personal service and expertise that I have not found from any other advisor. The ability to have nearly all of my financial needs met in one place is invaluable and, even more importantly, I appreciate knowing that I will always receive a prompt response to my questions.

    Dan and Michelle Scholes Thornhill, Ontario
  • We have received outstanding guidance and support from Justin and Shannon. We especially value the math-based rationale and emphasis on asset location and tax implications. And then there is the highly responsive and accommodating style—including custom performance reports—reasonable fees, and willingness to go above and beyond.

    Arman Mirchandani Toronto, Ontario
  • I sought out the services of Dan Bortolotti at PWL after being frustrated with several other advisors over the years. He has exceeded my expectations: Dan is the ultimate professional, very thorough in all aspects of his work and an excellent communicator who makes even complex issues easy to understand. He takes the time to understand my family’s financial needs and always acts in my best interest. I have finally found peace of mind with Dan and PWL Capital Toronto as my advisors.

    Andrew Liaw, Toronto, Ontario Toronto, Ontario
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    Contact the Toronto Team


    • In order to keep our fees low and our service level high, PWL’s Toronto team is only able to work with clients with household accounts totaling $1 million or more. If you do not meet our minimum, please visit the Canadian Couch Potato and Canadian Portfolio Manager websites for a host of resources that we offer for free to all investors.
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