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 Nancy Graham CPA, CA, CIM®, CFP, TEP, Portfolio Manager Building on her passion to help people gain financial control of their lives, Nancy joined PWL Capital’s Ottawa office in 2000. She became a Portfolio Manager in 2006. Ideas & Insights Team Contact Menu Ideas & Insights Team Contact Meet Nancy Graham – As the daughter of hard-working Manitoba grain farmers, Nancy grew up in an environment where discussing business, weather, and grain prices was essential for her family’s livelihood. She learned making disciplined decisions in uncertain times was crucial to financial success. Inspired by her parents’ entrepreneurship, she earned a degree in finance and her Chartered Accountant designation. Over time, she also acquired her CFP, Chartered Investment Manager and Registered Trust and Estate Planner certifications. She launched her financial career as a CPA, CA in tax where she worked in two major accounting firms. She provided individuals, families and businesses with tax planning and personal financial advice. She describes those years as experiencing “the good, bad and ugly of wealth management.” Joining PWL has allowed her to bring personalized, trusted solutions to her clients, acting in their best interests. She brings logic, transparency and reason to people’s financial lives — saving and spending for greater happiness. At PWL – A coach, educator and team leader at heart, Nancy thrives on helping business owners, professionals and families gain confidence and financial perspective while managing their personal wealth. Launched in 2017, Nancy’s “No Dumb Questions” video series has become one of her favourite venues for helping business owners and others learn how to invest sensibly and take practical steps to achieve financial security. A passionate advocate business excellence, Nancy is a proud category sponsor for the Businesswoman of the Year Awards, a member of the Women’s Business Network, and is a SheEO activator. Nancy also has written and spoken about investing for law associations, other professional groups, and on the radio show “Experts on Call.” She also relishes the opportunity to collaborate with and mentor a growing team of like minded fellow professionals in her office. The Graham Team delivers financial peace of mind and comfort for their clients. A “Case in Point” About Nancy – Nancy loves what she does. It gives her satisfaction to help people feel secure in their financial lives. In her next life, she would likely be a financial literacy educator and a better golfer! Nancy’s Personal Interests – Nancy enjoys giving back to the community and has volunteered with a number of councils, campaigns and organizations. She stays fit through cycling, hot yoga … and of course golf. She is the proud mother of three young adults pursuing careers of their own; family gatherings are always lively. Read More Hide Contact Nancy Graham Personal Wealth Nancy Graham Canada’s Financial Industry vs. Canadians’ Best Interests PWL Capital 2019-09-10T10:35:24 September 10, 2019 How often are you spending way more than you need to, just to try to earn decent market returns from your investments? The answer is, way more often than you think! It’s still all too easy for financial providers to game the system by hiding their excessive fees and lackluster returns from view. Personal Wealth PWL Capital Nancy Graham What Happens If You Can No Longer Make Your Own Money Decisions? 2019-08-27T10:00:06 August 27, 2019 In my last video, we took on a tough topic: How do you prepare financially for the death of your spouse? Today, I’m going to bring up another thorny subject: What if your spouse, parent, or another close family member starts having trouble with their memory or their ability to make rational decisions? In other words, what if they become incapacitated? Personal Wealth PWL Capital Nancy Graham Financial Planning in Widowhood: What Will You Do If It Happens To You? 2019-08-12T09:00:15 August 12, 2019 As unpleasant as it may be, here’s something we all know: If you’re in a marriage, one of you is likely to predecease the other. And yet, in my experience, few of us are as prepared as we should be to deal with the financial realities of widowhood. Personal Wealth PWL Capital Nancy Graham What Can You Really Expect from CPP Survivor Benefits? 2019-07-31T12:00:42 July 31, 2019 Here’s one more set of numbers to think about: What happens to your Canada Pension Plan (CPP) benefits if your spouse predeceases you … or vice-versa? On the scale of romantic conversations, this may rank right up there with pricing out a new hot water heater. Pretty boring. Living in Retirement PWL Capital Nancy Graham How Does a “Monte Carlo Simulation” Work? 2019-07-12T10:30:00 July 12, 2019 As soon as I’m put in charge of simplifying all our financial jargon, one of the first ones I’d like to take on is Monte Carlo Simulation. Or it’s sometimes called Monte Carlo Analysis. Nancy Graham & Her Team IIROC AdvisorReport Testimonials We chose Nancy Graham and PWL because of their 100% transparent management of our investments, and their calm, rational approach to investment strategies. Unlike most other investment advisors, PWL chooses investment vehicles without hidden commission and transaction fees, and thus do not suggest transactions that benefit the advisor more than the investor. Our investments, as selected on Nancy’s advice and expertise, have lower costs than commission-based products, leaving more return for us. I have found the level of service working with Nancy to be personal, respectful and comprehensive. She meets with me personally twice a year to review the performance of my portfolio; we regularly review my tolerance for risk. She responds directly to my requests for advice. I have found Cheryl, Nancy’s assistant, to be very efficient and helpful in all my dealings with her. After several years of working with Nancy, I ended my dealings with a second advisor and now work exclusively with Nancy. I take great comfort in the rational, professional and personal services provided by Nancy Graham and PWL Capital. This firm is not about speculation or hot tips. They take the time to explain how their portfolios are built, the research that supports their approach and most importantly they take the time to understand you and your family. As a professional accountant, I respect the integrity of their process and the logic of their philosophy. If you are looking for investment advice I suggest that spending an hour with Nancy, a portfolio manager at PWL, would be a good investment of your time. I have been a client of Nancy Graham’s since 2008. I came to her just prior to my divorce without a clue about how to deal with the financial aspects of this life change. Nancy guided me gently into the world of investments, taxes, and real estate while helping me get a handle on my spending habits. Planning for the future and retirement were a first priority. Also, Nancy has made some very wise investments and my portfolio is healthy even in these tough times. I’m pretty sure I would not be able to live without her now. Excellent approach to hands off investing…have not looked at financial news in over 2 years … index investments are doing well and the PWL team takes care of the details. We started using Nancy as our sole investment advisor almost 3 years ago. In that time, we have never had a cause for regret. We are very happy with PWL’s investment strategy and we know we can largely “ignore” our investments, trusting that our portfolio is being well managed. Nancy takes the time to understand her clients and tailors communication to their needs. She is very flexible in meeting as frequently or infrequently as we prefer and we always find our meetings with her informative and worthwhile. Contact Nancy Graham & Her Team Name* - Title -Mr.Mrs.MissMs.Dr.Prof.Rev. Title First Last Email* Phone*CityProvince- Province -AlbertaBritish ColumbiaManitobaNew BrunswickNewfoundland and LabradorNorthwest TerritoriesNova ScotiaNunavutOntarioPrince-Edward IslandQuebecSaskatchewanYukonInvestable Assets- Investable Assets -Under $500,000$500,000 - $1,000,000$1,000,000 - $2,000,000$2,000,000 - $3,000,000$4,000,000 - $5,000,000$5,000,000 - $10,000,000More than $10,000,000 PWL Capital works with clients who have, or will soon have, $500,000 or more to invest. If you are not sure how much you should invest, feel free to get in touch and we will answer all your questions. ___________ How did you hear about us?How did you hear about us?ReferralYouTubeRadioSocial MediaAdvertisingMedia and PressGoogleOtherMessage / CommentSubscribe to Nancy's No Dumb Questions emails Yes, I want to subscribe to Nancy's No Dumb Questions emails. It's free, it's fun and it's full of insights. This iframe contains the logic required to handle Ajax powered Gravity Forms. 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Personal Wealth Nancy Graham Canada’s Financial Industry vs. Canadians’ Best Interests PWL Capital 2019-09-10T10:35:24 September 10, 2019 How often are you spending way more than you need to, just to try to earn decent market returns from your investments? The answer is, way more often than you think! It’s still all too easy for financial providers to game the system by hiding their excessive fees and lackluster returns from view.
Personal Wealth PWL Capital Nancy Graham What Happens If You Can No Longer Make Your Own Money Decisions? 2019-08-27T10:00:06 August 27, 2019 In my last video, we took on a tough topic: How do you prepare financially for the death of your spouse? Today, I’m going to bring up another thorny subject: What if your spouse, parent, or another close family member starts having trouble with their memory or their ability to make rational decisions? In other words, what if they become incapacitated?
Personal Wealth PWL Capital Nancy Graham Financial Planning in Widowhood: What Will You Do If It Happens To You? 2019-08-12T09:00:15 August 12, 2019 As unpleasant as it may be, here’s something we all know: If you’re in a marriage, one of you is likely to predecease the other. And yet, in my experience, few of us are as prepared as we should be to deal with the financial realities of widowhood.
Personal Wealth PWL Capital Nancy Graham What Can You Really Expect from CPP Survivor Benefits? 2019-07-31T12:00:42 July 31, 2019 Here’s one more set of numbers to think about: What happens to your Canada Pension Plan (CPP) benefits if your spouse predeceases you … or vice-versa? On the scale of romantic conversations, this may rank right up there with pricing out a new hot water heater. Pretty boring.
Living in Retirement PWL Capital Nancy Graham How Does a “Monte Carlo Simulation” Work? 2019-07-12T10:30:00 July 12, 2019 As soon as I’m put in charge of simplifying all our financial jargon, one of the first ones I’d like to take on is Monte Carlo Simulation. Or it’s sometimes called Monte Carlo Analysis.