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

The Ulysses Contract

According to legend, Ulysses, the hero of Homer’s epic tale, the Odyssey, encounters the Sirens on his return from the Trojan war. The Sirens lured sailors to their doom through their enchanting music and singing.

Behavioural Finance

Are my savings goals in ruins (Part 2)?

In a recent blog we discussed how a fall in market prices today leads to an expectation of higher returns tomorrow. We explore this in more detail by considering the impact of the fall in portfolio values at the end of March and the revised expected returns on investors in different stage of their lives.

Personal Wealth

New Ebook: A Better Way to Fund Your Retirement

Figuring out how to fund your retirement from your savings has been called the most difficult challenge in personal finance. This eBook is here to help. It explains your options and provides you with strategies to get: a steady income throughout your retirement, more income without saving more, peace of mind that you’re on the right track. 

Personal Wealth

Should I Borrow to Invest While Markets are Down?

With stock markets down significantly across the globe as a result of the novel coronavirus in a matter of a month, it’s tempting to think stock markets are on sale and that you need to take advantage of that. Most don’t have large amounts of cash lying around, so borrowing to invest is one way to access that cash.

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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, 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.

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    Who We Are

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    Waterloo

    Marsland Centre, 20 Erb St. W
    Suite 506
    Waterloo

    Contact the Waterloo Team