Cameron Passmore and his PWL Capital team understand that you’re looking for an advisor you can trust, one who will help you make the right decisions about your money and give you peace of mind.

Advanced Investing

The Rational Reminder Podcast Episode 58: The Ins and Outs of Real Estate: Mortgage Rate, Rentals, REITs and Variable Annuities

Benjamin and Cameron are talking real estate, specifically mortgage rates and REITs. For the first time since the early 90s, fixed mortgage rates are lower than variable ones, which have always been the popular choice. However, due to the fact that Canada’s yield curve is inverted,  short term rates higher than their long-term counterparts.

Advanced Investing
various currencies

The Rational Reminder Podcast Episode 55: Being Frugal: The Crux of Financial Happiness

Joining us on the podcast today is Jonathan Clements, former Wall Street Journal columnist, founder of HumbleDollar and author of From Here to Financial Happiness, How to Think About Money and several other books. Jonathan is a well-known name in the world of personal finance as he has been giving financial advice for more than 20 years.

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  • I get a high growth portfolio, ongoing wealth management, and on-call advice from true financial experts for a set fee. I couldn’t be happier…

    Adam McNamara Tech Entrepreneur
  • It’s exactly how everyone said it would be – I don’t spend any time worrying about my investments.

    Dave Van Dusen Swift Delivery Systems
  • Great experience! Very friendly and accommodating. Great teachers…can’t say enough good stuff.

    Graham Ghent
  • PWL has a time-tested, thorough, systematic approach to investment management.

    B.L. Client since 2001
  • As a client of Cameron for several years, I have been impressed with his sound investment strategy and unique personalized service that makes my family feel as if we are his only customer. During this time I encouraged several high net worth colleagues to get in touch with him. As a testament to Cameron’s affable and informed manner, 100% of these contacts became customers of his. Seems like people know a good thing when they experience it…

    Phil Wyatt
  • I can give no greater reference for Ben, Cameron and staff than this testimonial. We’ve been with PWL for about 18 months and couldn’t be more pleased. Our money languished with another vendor garnering subpar returns for six years prior. Sure, we received our perfunctory annual Christmas basket, but our portfolio never returned the targeted gain. Not once…

    PWL has been on the money, with our money, from day one. Simple, Data Driven and Predictable. If you’re considering switching portfolio managers – Just Do It.

    Rudy Richman VirtualCSO
  • Cameron and team were most helpful in making our transition from US to Canada as smooth as possible given several complications and they have continued to provide guidance and advice that keeps us feeling confident about where we are headed.

    They have spared us sleepless nights.

    Ruth McKinney and Fred Faust Retired
  • PWL has always treated me as an important individual/client providing well founded, personalized advice and guidance. They are also very prompt when responding to queries and always manage to squeeze me in for either a telephone or in person meeting when needed.

    Excellent advice and customer service.

    Sandy Ouimet Retired
  • Very impressed with the attention given by representatives to your needs and requests as well as the promptness for assistance or any service requested.

    Ron Devries Retired
  • PWL’s client services are incredibly good. Any questions or concerns are addressed promptly and thoroughly. I always feel well taken care of.

    James MacAulay
  • You guys are amazing. That simple.

    Nick S. Software Developer
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    CIM®, FMA, FCSI, Portfolio Manager
    Cameron joined PWL Capital in 1997. He is a partner in the firm as well as a Portfolio Manager. He has been in the financial services industry since 1990.
    MBA, CFA, CFP, Portfolio Manager
    Born and raised on Vancouver Island, BC, Benjamin completed a degree in mechanical engineering before pursuing a career in financial services via the MBA program at Carleton University’s Sprott School of Business.
    PWL Headshot: Matt Gour
    CFP, Investment Advisor
    From Ottawa, Matthew completed a BComm in finance from the Sprott School of Business at Carleton university. He joined PWL in 2015, and he specializes in financial planning and delivering client service and advice. Matthew has been a CFP Professional since early 2018.
    PWL Headshot: Ben Wilson
    BComm., Investment Advisor
    Ben works closely with clients to help them reach their goals through our disciplined investment approach and ongoing financial planning. He completed his BComm at Carleton University and is currently working towards his CFP designation.
    PWL Headshot: Carol Vahey
    CPA, CA, CFP, Senior Family Office Specialist
    Born and raised in Southwestern Ontario, Carol has provided financial solutions to clients throughout her career. Her primary focus at PWL is customized financial reporting and cash flow management for select clients.
    PWL Headshot: Tessa Felix
    Culture Lead, Investment Advisor
    Born and raised on Vancouver Island, Tessa moved to Ottawa in 2012 after graduating from Saint Mary’s University with a BA in Psychology. A former CIS varsity volleyball player, Tessa is passionate about team performance and is always looking for innovative ways to improve employee engagement and happiness.
    Carol Harding CPA, CA, TEP
    Accountant, Family Office Specialist
    Carol brings 20 years of taxation and accounting experience to PWL, where she currently provides customized family office services to select clients. Carol enjoys taking complex tax and financial information and presenting it in a way that is understandable and helpful to the people she supports.
    PWL Headshot: Laura Spencer
    FMA, Investment Advisor
    Laura Spencer, originally from Montreal, has been with PWL for over 18 years. Her primary focus is the delivery of day to day client service. She enjoys helping clients, and always ensures that they feel valued.
    PWL Headshot: Robert Little
    Wealth Management Analyst
    Prior to joining the Passmore team in early 2018, Robert worked as an investment representative with one of Canada’s Big Banks. Robert graduated from Carleton University majoring in Law and Economics and is currently pursuing the CFA designation.
    PWL Headshot: Lukas Fleck
    Wealth Management Analyst
    Lukas joined the Passmore team 2018 upon graduating with a Bachelors of Business Administration, majoring in Finance from St. Francis Xavier University. He is committed to applying his analytical skills and technical knowledge to provide support to the financial advisors and portfolio managers.
    Jaclyn Cecereu
    BComm., Investment Advisor
    Jaclyn joined the Passmore team at the beginning of 2019, bringing with her an industrious spirit and pragmatic mind. Her role involves onboarding new clients, assisting in daily portfolio management, and analysis of long-term financial plans. She is committed to simplifying the ins and outs of financial management for clients, always striving to build rapport and provide excellent service.
    PWL Headshot: Matt Hui
    BComm., Investment Advisor
    Matthew was born and raised in Kanata and graduated from the Sprott school of business with a concentration in accounting. He brings a strong analytical skillset to help create efficient portfolio management and trading processes.
    PWL Headshot: Jacob Fleming
    Portfolio Manager assistant
    Born and raised in Ottawa, Jacob completed his bachelor of commerce with a specialization in finance from the University of Ottawa. He worked for one of the big five banks after graduation both on the retail and investment sides and has recently joined the PWL team.
    Anne Griffith
    Operations Administrator
    Rachelle Kelly
    Front Office Leader
    PWL Headshot: James Passmore
    Financial Services Intern
    PWL Headshot: Crystal Mask
    Office Manager

    Recommended Resources

      • The Passive Vs. Active Fund Monitor (2018)

        In 2018, Canadian passive funds increased their market share from 10.0% to 10.5% on the back of a positive flow of $9 billion. Meanwhile, Canadian active funds attracted $6 billion. We estimate that Canadian passive funds post a weighted average Management Expense Ratio of 0.30%, compared to a substantial 1.66% for active funds.

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      • Factor Investing with ETFs

        There is a better way to build an index fund portfolio than accepting the market cap weights of stocks.Simplicity is a beautiful thing when it comes to investing.

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      • Great Expectations 2019

        How to estimate future stock and bond returns when creating a financial plan

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      • Housing: The Best Investment in History (On Paper)

        One of the most common questions that I am asked is “should I invest in real estate?” Even more common than this question is the matter of fact statement that real estate is a great investment.

        Contributors
      • Asset Location & Uncertainty

        Asset allocation requires investors to determine the appropriate allocation of each asset class – Canadian equities, US equities, International equities, fixed income – in their portfolio.

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      • Market Statistics – July 2019

        Looking for reliable data on recent market performance? 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.

      • Market Statistics – June 2019

        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.

      • Market Statistics – May 2019

        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.

        Contributors
      • Market Statistics – April 2019

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

      • Market Statistics – March 2019

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

      • Market Statistics – July 2019
        Summary

        Looking for reliable data on recent market performance? 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.

      • Market Statistics – June 2019
        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.

      • Market Statistics – May 2019
        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.

        Contributors
      • Market Statistics – April 2019
        Summary

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

      • Market Statistics – March 2019
        Summary

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

      • Passmore & Felix – Dimensional Global Portfolios (July 2019)

        This document provides the performance data for Dimensional Global Portfolios for July 2019, as compiled by the Passmore & Felix team.

        Contributors

    Get in touch with us

    Ottawa

    265 Carling Avenue
    8th Floor
    Ottawa

    Contact Cameron Passmore and Benjamin Felix


    • Cameron and Ben work with clients whose household investable assets total $1 million or more. If you do not meet our minimum, please visit The Rational Reminder Podcast on iTunes or Common Sense Investing on YouTube to learn more about evidence-based investing and financial decision-making.
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