Graham and Susan focus their efforts on understanding their client’s needs and translating those into actions. Personal financial plans are key to setting goals, savings and retirement income, as well as giving us the information we need to build the portfolio best suited for you. We strive to be continuously engaged with our clients, so we can provide relevant and timely advice. The feedback from our clients describes us as realistic, honest, and candid, with an attention to detail and concern about our client’s well-being.

Graham and Susan are Portfolio Managers and CFA charterholders, recently joined by Jason to strengthen the client experience as we continue our growth in Waterloo.

Personal Wealth

I Tracked All My Taxes for a Year

According to the Fraser Institute, Canadians pay about 43% of their income in taxes. To test their tax estimate against my own situation, I tracked all the various taxes I paid throughout the year. I reveal how much I paid, and how I stack up against the Fraser Institute’s estimates.

Personal Wealth

Handling Money (and Taxes) with a Side Hustle or Self-Employment

If work for yourself or have a side hustle on top of your regular job, there are extra complications when it comes to calculating and saving for taxes. You might worry if you’ve planned things out properly or if you’ll be hit with a big unexpected tax bill. In this post, I outline how to handle taxes as a self-employed individual or side hustler and tips for managing your money.

Personal Wealth

Payroll Taxes and Taxable Benefits

Many of you have been in the situation where you were quoted a salary or hourly rate, were excited to get your first paycheque and disappointed when you don’t receive as much as you expected. You’ll have to thank taxes, CPP contributions, EI premiums, and benefits for that. I’ll go into more detail about how each of these deductions work.

Quote Icon>
  • 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.

    Elizabeth Ritchie
  • 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.

    David & Joyce Vann
  • 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.

    Frank and Dianne Beletz
  • 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.

    James & Patricia McDowell
Arrow Left Arrow Right
    MBA, CFA, Portfolio Manager
    Portfolio Manager, Waterloo. Graham believes wealth management should be based on facts and repeatable processes, rather than stories about the future.
    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.
    Investment Advisor, Portfolio Manager Assistant
    Jason was born in Kitchener, and has lived in the Kitchener-Waterloo region his whole life. He is currently working towards his CFP and other financial designations.

    Who We Are

    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.

        Contributors
      • Great Expectations 2019

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

        Contributors
      • The Retiree’s Dilemma: The Deckards

        We introduce the Deckards who are just starting their retirement. Like many retirees, they are concerned about how best to structure withdrawals from their investments to fund their retirement.

        Contributors
      • The Retiree’s Dilemma: Live Long & Prosper

        The key challenge for most retirees is to create a stable income for their lifetime from investment capital that fluctuates in value.

        Contributors
      • Target Wealth: The Evolution of Target Date Funds

        Target Date Funds have become very popular with investors saving for retirement. The main feature of these funds is that investors are automatically switched from high risk to low risk assets as retirement approaches.

        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 – February 2019

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

        Contributors
      • Market Statistics – January 2019

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

        Contributors
      • Market Statistics – December 2018

        Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics for the month of December 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.

      • Market Statistics – February 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 February for the various Canadian, U.S. and international markets that we follow.

        Contributors
      • Market Statistics – January 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 January for the various Canadian, U.S. and international markets that we follow.

        Contributors
      • Market Statistics – December 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 December for the various Canadian, U.S. and international markets that we follow.

        Contributors
      • Setting up NBIN MyPortfolio+

        Setting up NBIN MyPortfolio+ to Show Consolidated Assets upon Login

        Contributors

    Get in touch with us

    Waterloo

    Marsland Centre, 20 Erb St. W
    Suite 506
    Waterloo

    Contact the Waterloo Team