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

Term vs. Permanent Life Insurance

Term, Permanent, Whole Life, Universal Life, Participating, Variable, Joint. There are so many variations of life insurance that it can become extremely confusing, very quickly. To keep things simple, there are essentially two types of insurance: term insurance and permanent insurance.

Personal Wealth
Dad Young Daughter Sitting Having Fun

Life Insurance for Millennials

Life insurance protects your human capital. While human capital is not normally included in your net worth statement, it’s still a big asset. Protecting that asset is important. If you don’t have enough assets to cover those potential expenses, life insurance is a tool to protect your loved ones and ensure their standard of living doesn’t fall significantly if you passed away.

Personal Wealth
Doctor-Showing-MRI-Brain-Scan-Patients

4 Steps to Calculate Your Disability Coverage

For millennials, long-term disability insurance might be the most important decision in their life. The average 25-year-old has $1.75 million in human capital to protect. Those that earn more than an average income of $43,700, have more human capital at risk. I outline the various sources of income you can receive if you become disabled and how to protect yourself by getting an appropriate amount of disability insurance coverage.

Personal Wealth
Young Men With Broken Legs At Home

Disability Insurance for Millennials 101

The average millennial office worker would lose $300,000 without disability insurance. Those that earn more than the average 25- to 34-year-old would be even worse off. We protect our homes and our cars without a second thought, but very few young professionals I talk to have thought about protecting their biggest asset, their ability to earn an income. I outline how disability works and why it is important in this Your Money, Your Choices episode.

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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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    Waterloo

    Marsland Centre, 20 Erb St. W
    Suite 506
    Waterloo

    Contact the Waterloo Team