Ideas & Insights Our Advisors Our Teams Resources White Papers eBook 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 Susan Daley CFA, CFP, Portfolio Manager Susan Daley is a Portfolio Manager at PWL Capital Inc. She is passionate about simplifying complex financial ideas to help clients achieve their financial aspirations. She runs a YouTube Channel with the same mandate, called Your Money, Your Choices. Ideas & Insights Team Contact Menu Ideas & Insights Team Contact While working for international finance and accounting organizations that focused on serving corporations during her co-op terms at Wilfrid Laurier University, Susan discovered that her route to happiness was by making a difference in individual lives, rather than helping companies earn higher profits. Since joining PWL Capital in 2013 after graduation, Susan has been passionate about simplifying complex financial ideas to help lead her clients to financial success. Susan helps clients reach their goals through ongoing financial planning and the design and ongoing management of their portfolios. The financial planning piece allows clients to make informed decisions when current needs and desires conflict with long-term goals, while crafting a well-designed but flexible portfolio gives them the means to reach those goals. Susan’s credentials include: • Chartered Financial Analyst (CFA) Charterholder • CFP Professional • Honours BBA from Wilfrid Laurier University • Registered Investment Advisor Susan runs a YouTube series called, “Your Money, Your Choices” where she presents and simplifies the relevant options young professionals have so they can make better financial decisions: Susan was motivated to start her video series as a way to help millennials, like her sisters and friends, to navigate the often complex and information-rich world of personal finance. You can say she is self-interested, but she wants everyone to be wealthy and able to achieve their long-term goals through spending, saving, and investing intelligently and getting started on the right path while they are young. In her spare time Susan volunteers with the Kitchener Waterloo Community Foundation, bakes, decorates, and eats desserts, and plays sports to burn off all those desserts. She enjoys hiking, travelling, and is a great sleep enthusiast. Read More Hide Contact Susan Daley Personal Wealth Susan Daley Withdrawing from your RESP PWL Capital 2019-08-22T16:50:41 August 22, 2019 In summary, you can pay student’s bills through two types of payments from an RESP. A withdrawal for post-secondary education (PSE) is a refund of the original contributions. There are no limits to the amounts that can be taken out of this bucket, and the amounts are tax free. Educational Assistance Payments (EAPs) come from the grant and accumulated earnings bucket within the RESP. There are certain limits to these payments to keep in mind, and the payments will be taxed in the student’s name. Living in Retirement Susan Daley Old Age Security (OAS) Explained 2019-08-9T10:00:20 August 9, 2019 Old Age Security, commonly referred to as OAS, provided a base level of retirement income to over 6 million Canadians in January 2019. I outline how OAS works and how to determine the amount you will be eligible for. Personal Wealth Susan Daley Canada Pension Plan Explained 2019-07-24T11:00:59 July 24, 2019 The foundation of many Canadians’ retirement is the Canada Pension Plan (CPP). The CPP is designed to replace a certain amount of your average work earnings, up to maximum limits each year. I outline what CPP is, how it works, and how much it might pay out. Personal Wealth Susan Daley How Much will you spend in retirement? Determining Your Replacement Ratio 2019-07-12T10:00:41 July 12, 2019 How much of your current income will you need in retirement? The answer to this question is called the replacement ratio and is a major driver of the retirement planning piece. It will be different for everyone, so I outline how you can figure out your own replacement ratio that will ultimately determine how much you need to save for retirement. Personal Wealth Susan Daley Is saving 10% of your income enough for retirement? 2019-06-26T14:28:51 June 26, 2019 When talking about saving for retirement, most people default to the common 10 or 15 percent of income towards retirement. But are those numbers accurate and is this a reasonable approach? I outline this traditional approach, and compare it to another approach that takes into consideration a typical Canadian’s financial scenario. 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! 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Personal Wealth Susan Daley Withdrawing from your RESP PWL Capital 2019-08-22T16:50:41 August 22, 2019 In summary, you can pay student’s bills through two types of payments from an RESP. A withdrawal for post-secondary education (PSE) is a refund of the original contributions. There are no limits to the amounts that can be taken out of this bucket, and the amounts are tax free. Educational Assistance Payments (EAPs) come from the grant and accumulated earnings bucket within the RESP. There are certain limits to these payments to keep in mind, and the payments will be taxed in the student’s name.
Living in Retirement Susan Daley Old Age Security (OAS) Explained 2019-08-9T10:00:20 August 9, 2019 Old Age Security, commonly referred to as OAS, provided a base level of retirement income to over 6 million Canadians in January 2019. I outline how OAS works and how to determine the amount you will be eligible for.
Personal Wealth Susan Daley Canada Pension Plan Explained 2019-07-24T11:00:59 July 24, 2019 The foundation of many Canadians’ retirement is the Canada Pension Plan (CPP). The CPP is designed to replace a certain amount of your average work earnings, up to maximum limits each year. I outline what CPP is, how it works, and how much it might pay out.
Personal Wealth Susan Daley How Much will you spend in retirement? Determining Your Replacement Ratio 2019-07-12T10:00:41 July 12, 2019 How much of your current income will you need in retirement? The answer to this question is called the replacement ratio and is a major driver of the retirement planning piece. It will be different for everyone, so I outline how you can figure out your own replacement ratio that will ultimately determine how much you need to save for retirement.
Personal Wealth Susan Daley Is saving 10% of your income enough for retirement? 2019-06-26T14:28:51 June 26, 2019 When talking about saving for retirement, most people default to the common 10 or 15 percent of income towards retirement. But are those numbers accurate and is this a reasonable approach? I outline this traditional approach, and compare it to another approach that takes into consideration a typical Canadian’s financial scenario.