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

Everything You Need to Know About RESPs

Your child’s post-secondary education might be decades away, but planning ahead can make that expensive time in your lives much less stressful. One of the major ways to do that is through the Registered Education Savings Plan (RESP), which offers up to $7,200 in incentives for you to save for your child’s education over the long term.

Starting Out
Students Studying Together Desk Drinking Coffee

5 Ways to Pay for Post-Secondary Education

If you’re looking to fund your own or your child’s education but haven’t regularly saved for several years towards those expenses, there are a number of options for paying for expensive tuition, housing and textbook costs. In today’s post, I’ll outline the 5 ways you can pay for education costs or put away short-term savings for it.

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  • 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
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    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, Associate Portfolio Manager
    Susan Daley is an Associate 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.
    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.

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    Waterloo

    Marsland Centre, 20 Erb St. W
    Suite 506
    Waterloo

    Contact the Waterloo Team