Personal Wealth Susan Daley How Much will you spend in retirement? Determining Your Replacement Ratio PWL Capital 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 PWL Capital 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.
Living in Retirement PWL Capital Graham Westmacott A better way to fund your retirement: ARVA explained 2019-06-17T09:53:29 June 17, 2019 The usual rule of thumb that people use to plan how to fund their retirement is to withdraw 4% a year from their pool of savings.
Starting Out PWL Capital Susan Daley Intro to Retirement Planning for Millennials 2019-06-12T12:00:29 June 12, 2019 For most millennials, retirement seems like it’s ages away; a future you problem. The cards might seem to be stacked against us: the number of Defined Benefit pension plans are falling, we’re living longer, student debt levels are rising, and house prices are massive compared to our incomes. I break down the basic concepts of retirement planning in this video to help you get started.
Personal Wealth PWL Capital Susan Daley Critical Illness Insurance 2019-05-29T15:00:34 May 29, 2019 What would happen to you if you were diagnosed with cancer, had a stroke, or suffered from another critical illness? In Canada, we’re fortunate to have universal healthcare. However, our healthcare system won’t cover all the costs of having a critical illness, which is where Critical Illness Insurance comes into play.
Graham Westmacott 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.
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.
Jason Primmer 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.
