Nancy Graham and her PWL Capital team will work hard to build and nurture a personalized relationship with you. With a sound foundation of a trusting relationship, we will bring a structured approach to your wealth management.

When it comes to building wealth; markets work, emotions don’t. Our personal emotions can interfere with good financial decisions. We provide you with logical and transparent advice to help navigate through important choices that can affect your bottom line.

Advanced Investing
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Asset Allocation in Plain English

Have you ever noticed? What’s clear to an “insider” isn’t always so obvious to everyone else. Doctors, lawyers, engineers … investment advisors. I’m afraid we’ve all been guilty of tossing around too many technical terms without defining them first.

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  • 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.

    Kristine van der Pas-Norenius, Entrepreneur and Strategy Consultant
  • 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.

    Craig Parks
  • 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.

    Charles Armstrong
  • 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.

    Judi Tedlie
  • 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.

    Kevin Thibert, Client Executive, CISCO
  • 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.

    David Nikkel, Software Development Manager & Kathy Nikkel, Teacher
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    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.
    CIM®, Portfolio Manager, Client Service Specialist
    Since joining PWL Capital in 1999, Cheryl Gillies has built on her innate, high-touch client service skills to become an experienced portfolio manager, achieving the Chartered Investment Manager (CIM®) designation in the process. If Nancy Graham is the head of our team, Cheryl is its heart.
    Investment Advisor
    Since 2016, Brady Plunkett has been key to Team Graham’s financial planning, marketing and business development, and assisting with client care – in short, a bit of everything on any given day. Brady is an IIROC-licensed investment advisor.
    CFA, Director of Research
    Raymond is the Director of Research at PWL Capital. He rigorously analyzes PWL’s investment strategies and makes sure they are well supported by academic research. Raymond has worked extensively as an institutional portfolio manager, with a particular focus on fixed-income securities and derivative products.
    PWL Headshot: Crystal Mask
    Office Manager
    Crystal Mask joined us in 2016 as Front Office Leader, Office Manager and events manager for the Ottawa Office. Our de facto “mother,” she keeps an ever-alert and caring eye on our office, ourselves and our guests.

    Recommended Resources

      • A Guide to Responsible Investing – Doing Well by Doing Good

        ESG and SRI investments are becoming more prevalent in the investment universe. This document covers the three main strategies of ESG investing: passive, integration, and active. We review the implementation of each strategy, the consequences for portfolio returns, and we recommend some options for investing according to ESG.

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      • Great Expectations – How to estimate future stock and bond returns when creating a financial plan

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      • Market Statistics – September 2018

        Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics for the month of September for the various Canadian, U.S. and international markets that we follow.

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      • Market Statistics – August 2018

        Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics for the month of August for the various Canadian, U.S. and international markets that we follow.

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      • Market Statistics – July 2018

        Here you’ll find a PDF document of the monthly statistics for the month of July for the various Canadian, U.S. and international markets that we follow.

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      • Market Statistics – June 2018

        Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics for the month of June for the various Canadian, U.S. and international markets that we follow.

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      • Market Statistics – May 2018

        Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics for the month of May for the various Canadian, U.S. and international markets that we follow.

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      • Market Statistics – September 2018
        Summary

        Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics for the month of September for the various Canadian, U.S. and international markets that we follow.

        Contributors
      • Market Statistics – August 2018
        Summary

        Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics for the month of August for the various Canadian, U.S. and international markets that we follow.

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      • Market Statistics – July 2018
        Summary

        Here you’ll find a PDF document of the monthly statistics for the month of July for the various Canadian, U.S. and international markets that we follow.

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      • Market Statistics – June 2018
        Summary

        Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics for the month of June for the various Canadian, U.S. and international markets that we follow.

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      • Market Statistics – May 2018
        Summary

        Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics for the month of May for the various Canadian, U.S. and international markets that we follow.

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      • Playing the Winner’s Game (Swedroe, 2013)

        The instant access to unlimited information on the Internet has not improved experienced investors’ chances of having a positive investing experience. The need to rise above the noise with out busy lives has never been greater. That is where this book comes in.

      • The Investment Answer (Goldie & Murray, 2011)

        Jargon-free and written for all investors — experienced, beginner, and everyone in between — The Investment Answer distills the process into just five decisions — five straightforward choices that can lead to safe and sound ways to manage your finances.

      • The Behavior Gap

        As a financial planner, Carl Richards grew frustrated watching people he cared about make the same mistakes over and over with their money. They were letting emotion get in the way of making smart financial decisions. He named this phenomenon—the distance between what we should do and what we actually do— “the behavior gap.”

      • Playing the Winner’s Game (Swedroe, 2013)
        Summary

        The instant access to unlimited information on the Internet has not improved experienced investors’ chances of having a positive investing experience. The need to rise above the noise with out busy lives has never been greater. That is where this book comes in.

      • The Investment Answer (Goldie & Murray, 2011)
        Summary

        Jargon-free and written for all investors — experienced, beginner, and everyone in between — The Investment Answer distills the process into just five decisions — five straightforward choices that can lead to safe and sound ways to manage your finances.

      • The Behavior Gap
        Summary

        As a financial planner, Carl Richards grew frustrated watching people he cared about make the same mistakes over and over with their money. They were letting emotion get in the way of making smart financial decisions. He named this phenomenon—the distance between what we should do and what we actually do— “the behavior gap.”

      • Nancy Graham & Her Team – PWL Model Portfolios (June 2018)

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        Past performance does not guarantee future results. The historical performance of indexes is illustrative only and will not necessarily mirror the future performance of any fund tracking that benchmark.

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    Get in touch with us

    Ottawa

    265 Carling Avenue
    8th Floor
    Ottawa

    Contact Nancy Graham & Her Team


    • 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.
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