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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 Starting Out Susan Daley RESP: What If My Child Doesn’t Go To Post-Secondary School? PWL Capital 2020-11-25T14:25:57 November 25, 2020 What happens to your RESP if your child doesn’t go to school? If you have an individual or family RESP, you can get your money out of the plan with relatively little pain. I outline the options to withdraw money from an RESP if the beneficiary of the RESP doesn’t attend post-secondary school. Personal Wealth Susan Daley Should I Borrow to Invest While Markets are Down? 2020-04-13T10:30:22 April 13, 2020 With stock markets down significantly across the globe as a result of the novel coronavirus in a matter of a month, it’s tempting to think stock markets are on sale and that you need to take advantage of that. Most don’t have large amounts of cash lying around, so borrowing to invest is one way to access that cash. Personal Wealth Susan Daley RESP Withdrawal Strategies 2020-01-29T11:38:35 January 29, 2020 You’ll know how withdrawals from RESP’s technically work if you watched my last video, but you want to limit the amount of taxes and penalties when making withdrawals. That’s where today’s video comes into play. Personal Wealth Susan Daley Withdrawing from your RESP 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. 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! Ideas & Insights Our Advisors Our Teams Resources All Resources White Papers eBook 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 PWL Wealth Centrenew My Portfolio + FR
Starting Out Susan Daley RESP: What If My Child Doesn’t Go To Post-Secondary School? PWL Capital 2020-11-25T14:25:57 November 25, 2020 What happens to your RESP if your child doesn’t go to school? If you have an individual or family RESP, you can get your money out of the plan with relatively little pain. I outline the options to withdraw money from an RESP if the beneficiary of the RESP doesn’t attend post-secondary school.
Personal Wealth Susan Daley Should I Borrow to Invest While Markets are Down? 2020-04-13T10:30:22 April 13, 2020 With stock markets down significantly across the globe as a result of the novel coronavirus in a matter of a month, it’s tempting to think stock markets are on sale and that you need to take advantage of that. Most don’t have large amounts of cash lying around, so borrowing to invest is one way to access that cash.
Personal Wealth Susan Daley RESP Withdrawal Strategies 2020-01-29T11:38:35 January 29, 2020 You’ll know how withdrawals from RESP’s technically work if you watched my last video, but you want to limit the amount of taxes and penalties when making withdrawals. That’s where today’s video comes into play.
Personal Wealth Susan Daley Withdrawing from your RESP 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.