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 The Elephant in the RRSP Planning Room PWL Capital 2019-05-13T10:24:38 May 13, 2019 What’s that? You’d love to retire in style someday? Fortunately, most working Canadians can use the Registered Retirement Savings Plan – or RRSP – to pile up tax-deferred dollars for whatever their retirement-planning hearts may desire. Living in Retirement PWL Capital Nancy Graham Avoiding an OAS Clawback 2019-04-29T14:24:48 April 29, 2019 If you ask me, the Old Age Security (OAS) clawback should usually be accompanied by ominous music – like the kind alerting movie-goers that the “Jaws” shark is about to attack. After all, if you don’t see it coming, it can take a nasty chunk out of your assets. Personal Wealth PWL Capital Nancy Graham Paying Your Canadian Income Taxes: Something to Celebrate??? 2019-04-16T09:53:57 April 16, 2019 Nobody loves paying taxes – in April or any other time of year. But maybe there is some good news to be had, by taking some time to correct a common misperception: Many Canadians assume their overall tax rate is worse than it actually is. Personal Wealth PWL Capital Nancy Graham Sustainable Investing Part 2: Unpacking ESG Ratings 2019-04-1T17:44:53 April 1, 2019 When it comes to investing, have you decided you’d like to be in good company – or companies – as you participate in our global markets? In other words, is ethical, or sustainable investing one of your goals? Personal Wealth PWL Capital Nancy Graham Sustainable Investing Part 1: A Sustainable Overview 2019-03-19T09:58:27 March 19, 2019 If there’s one trait most of us share, we want to make the world a better place. No wonder I’ve been hearing “No Dumb Questions” on sustainable investing. Or it’s also known as “ethical,” “socially responsible,” “ESG,” or “impact” investing. 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. Ideas & Insights Our Advisors Our Teams Resources All Resources White Papers Market Statistics Important Documents Model Portfolios Recommended Readings Calculators Checklists What We Do Who We Are Our Story Our Board Members Management Team Governance & Internal Controls Compliance World Class Partners Research Department Contact Us Client Login FR
Personal Wealth Nancy Graham The Elephant in the RRSP Planning Room PWL Capital 2019-05-13T10:24:38 May 13, 2019 What’s that? You’d love to retire in style someday? Fortunately, most working Canadians can use the Registered Retirement Savings Plan – or RRSP – to pile up tax-deferred dollars for whatever their retirement-planning hearts may desire.
Living in Retirement PWL Capital Nancy Graham Avoiding an OAS Clawback 2019-04-29T14:24:48 April 29, 2019 If you ask me, the Old Age Security (OAS) clawback should usually be accompanied by ominous music – like the kind alerting movie-goers that the “Jaws” shark is about to attack. After all, if you don’t see it coming, it can take a nasty chunk out of your assets.
Personal Wealth PWL Capital Nancy Graham Paying Your Canadian Income Taxes: Something to Celebrate??? 2019-04-16T09:53:57 April 16, 2019 Nobody loves paying taxes – in April or any other time of year. But maybe there is some good news to be had, by taking some time to correct a common misperception: Many Canadians assume their overall tax rate is worse than it actually is.
Personal Wealth PWL Capital Nancy Graham Sustainable Investing Part 2: Unpacking ESG Ratings 2019-04-1T17:44:53 April 1, 2019 When it comes to investing, have you decided you’d like to be in good company – or companies – as you participate in our global markets? In other words, is ethical, or sustainable investing one of your goals?
Personal Wealth PWL Capital Nancy Graham Sustainable Investing Part 1: A Sustainable Overview 2019-03-19T09:58:27 March 19, 2019 If there’s one trait most of us share, we want to make the world a better place. No wonder I’ve been hearing “No Dumb Questions” on sustainable investing. Or it’s also known as “ethical,” “socially responsible,” “ESG,” or “impact” investing.