Wealth Management Services Simplifying Wealth for Canadians Helping you frame financial decisions through the lens of living a good life CIRO Advisor Report Services We help you plan your every aspect of your financial life. We do it together. PWL offers a personalized approach to wealth management that lets our clients define their financial and family goals based on their lifestyles. We integrate financial planning and investment management so our advisors can develop targeted strategies and provide each customer with a unique experience. Our teams specialize in serving high net worth clients, with the expertise and experience to oversee every aspect of your financial life. Retirement Planning We work with you to identify your cash flow needs and account for multiple scenarios to bring you peace of mind and help determine when you can expect to comfortably retire. Asset Allocation We’re experts in asset allocation for Canadians. Learn which strategies will work uniquely for you. Diversification We ensure you maintain a balanced and diversified portfolio of investments, across different types, sectors, and markets. Estate Planning We consult with you and your other service providers to make sure everything is accounted for and your estate will be optimally managed. Behavioural Coaching We guide you and help you adjust to make the right decisions when it comes to your finances. Small changes can have a huge impact on your portfolio. Latest Ideas & Insights Episode 315 – An Update from Avantis with Eduardo Repetto Jul 25, 2024 Investing For Your Future Episode 314 – Professor Valentin Haddad: How Competitive is the Stock Market? Jul 18, 2024 Investing For Your Future Mid-Year Performance Report Letter Jul 11, 2024 Market Insights Episode 313 – When Should You Hire a Financial Advisor? Jul 11, 2024 Investing For Your Future Episode 312 – Prof. John M. Griffin: Forensic Finance and the Power of Research Jul 9, 2024 Investing For Your Future Episode 311 – Is Roaring Kitty a Good Role Model? Jun 27, 2024 Investing For Your Future Model Portfolio For illustration purposes only. Actual client portfolios may differ. As of June 30, 2024. 40% Stocks - 60% Bonds 50% Stocks - 50% Bonds 60% Stocks - 40% Bonds 70% Stocks - 30% Bonds 80% Stocks - 20% Bonds 100% Stocks - 0% Bonds Model Portfolio Performance 40% Stocks - 60% Bonds YTD Return 4.82% 1-Year Total Return 10.00% 3-Year Annualized Return 2.46% 5-Year Annualized Return 4.47% 10-Year Annualized Return 4.34% 20-Year Annualized Return 5.05% Worst Drawdown (05/2007-02/2009) -18.90% Drawdown - Time to Recovery (from the bottom) 11 months 20-Year Annualized Standard Deviation 4.93% Model Portfolio Performance 50% Stocks - 50% Bonds YTD Return 5.54% 1-Year Total Return 11.20% 3-Year Annualized Return 3.31% 5-Year Annualized Return 5.50% 10-Year Annualized Return 5.03% 20-Year Annualized Return 5.60% Worst Drawdown (05/2007-02/2009) -24.70% Drawdown - Time to Recovery (from the bottom) 14 months 20-Year Annualized Standard Deviation 6.02% Model Portfolio Performance 60% Stocks - 40% Bonds YTD Return 6.28% 1-Year Total Return 12.37% 3-Year Annualized Return 4.13% 5-Year Annualized Return 6.46% 10-Year Annualized Return 5.69% 20-Year Annualized Return 6.15% Worst Drawdown (05/2007-02/2009) -30.10% Drawdown - Time to Recovery (from the bottom) 20 months 20-Year Annualized Standard Deviation 7.19% Model Portfolio Performance 70% Stocks - 30% Bonds YTD Return 7.04% 1-Year Total Return 13.53% 3-Year Annualized Return 4.96% 5-Year Annualized Return 7.37% 10-Year Annualized Return 6.43% 20-Year Annualized Return 6.68% Worst Drawdown (05/2007-02/2009) -35.10% Drawdown - Time to Recovery (from the bottom) 23 months 20-Year Annualized Standard Deviation 8.52% Model Portfolio Performance 80% Stocks - 20% Bonds YTD Return 7.83% 1-Year Total Return 14.68% 3-Year Annualized Return 5.77% 5-Year Annualized Return 8.35% 10-Year Annualized Return 6.94% 20-Year Annualized Return 7.10% Worst Drawdown (05/2007-02/2009) -39.80% Drawdown - Time to Recovery (from the bottom) 24 months 20-Year Annualized Standard Deviation 9.97% Model Portfolio Performance 100% Stocks - 0% Bonds YTD Return 9.60% 1-Year Total Return 17.15% 3-Year Annualized Return 7.70% 5-Year Annualized Return 10.37% 10-Year Annualized Return 8.21% 20-Year Annualized Return 7.99% Worst Drawdown (05/2007-02/2009) -48.00% Drawdown - Time to Recovery (from the bottom) 48 months 20-Year Annualized Standard Deviation 13.27% Recommended Resources I'm looking for Market Statistics White Papers Model Portfolios Important Documents Client Guides Market Statistics White Papers Model Portfolios Important Documents Client Guides Market Statistics – June 2024 Market Statistics – May 2024 Market Statistics – April 2024 Market Statistics – March 2024 Market Statistics – February 2024 Evidence Based Investing Market Statistics – June 2024 Published: July 10, 2024 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors Evidence Based Investing Market Statistics – May 2024 Published: June 19, 2024 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors Evidence Based Investing Market Statistics – April 2024 Published: May 7, 2024 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors Evidence Based Investing Market Statistics – March 2024 Published: April 5, 2024 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors Evidence Based Investing Market Statistics – February 2024 Published: March 6, 2024 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors Market Statistics – June 2024 Contributors Learn More Market Statistics – May 2024 Contributors Learn More Market Statistics – April 2024 Contributors Learn More Market Statistics – March 2024 Contributors Learn More Market Statistics – February 2024 Contributors Learn More Financial Planning Assumptions for Market-Cap Weighted & Factor-Tilted Portfolios (Methodology Guide) The Passive Vs. Active Fund Monitor (2023) Financial Planning Assumptions (Factor-Tilted Portfolio) Financial Planning Assumptions (Market Capitalization Weighted Portfolio) Permanent Life Insurance Evidence Based Investing Financial Planning Assumptions for Market-Cap Weighted & Factor-Tilted Portfolios (Methodology Guide) Published: March 22, 2024 This guide describes PWL Capital’s methodology for estimating the expected returns, standard deviations, and correlations of major asset classes over a 30-year planning horizon. These […] Contributors Evidence Based Investing The Passive Vs. Active Fund Monitor (2023) Published: March 18, 2024 This report describes the competitive landscape for passively and actively managed retail funds from 2014 to 2023 in Canada, the United States, and worldwide. Section […] Contributors Evidence Based Investing Financial Planning Assumptions (Factor-Tilted Portfolio) Published: January 30, 2024 This guide is intended to provide Canadian financial planners with our best estimates of future asset classreturns and volatilities to produce financial projections for their […] Contributors Evidence Based Investing Financial Planning Assumptions (Market Capitalization Weighted Portfolio) Published: January 30, 2024 This guide is intended to provide Canadian financial planners with our best estimates of future asset class returns and volatilities to produce financial projections for […] Contributors Evidence Based Investing Permanent Life Insurance Published: September 7, 2023 Insurance is a financial contract designed to transfer risk from an individual or entity (the insured) toan insurance company (the insurer). Contracts are priced based […] Contributors Financial Planning Assumptions for Market-Cap Weighted & Factor-Tilted Portfolios (Methodology Guide) Contributors Learn More The Passive Vs. Active Fund Monitor (2023) Contributors Learn More Financial Planning Assumptions (Factor-Tilted Portfolio) Contributors Learn More Financial Planning Assumptions (Market Capitalization Weighted Portfolio) Contributors Learn More Permanent Life Insurance Contributors Learn More Capital Team – Dimensional Global Portfolios – June, 2024 Capital Team – Dimensional Global Portfolios – May, 2024 Capital Team – Dimensional Global Portfolios – April, 2024 Capital Team – Dimensional Global Portfolios – March, 2024 Capital Team – Dimensional Global Portfolios – February, 2024 Capital Team – Dimensional Global Portfolios – June, 2024 Published: July 11, 2024 This document provides the performance data for Dimensional Global Portfolios for June 30, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors Capital Team – Dimensional Global Portfolios – May, 2024 Published: June 19, 2024 This document provides the performance data for Dimensional Global Portfolios for May 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors Capital Team – Dimensional Global Portfolios – April, 2024 Published: May 14, 2024 This document provides the performance data for Dimensional Global Portfolios for April 30, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors Capital Team – Dimensional Global Portfolios – March, 2024 Published: April 15, 2024 This document provides the performance data for Dimensional Global Portfolios for March 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors Capital Team – Dimensional Global Portfolios – February, 2024 Published: March 14, 2024 This document provides the performance data for Dimensional Global Portfolios for February 29, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors Capital Team – Dimensional Global Portfolios – June, 2024 Contributors Learn More Capital Team – Dimensional Global Portfolios – May, 2024 Contributors Learn More Capital Team – Dimensional Global Portfolios – April, 2024 Contributors Learn More Capital Team – Dimensional Global Portfolios – March, 2024 Contributors Learn More Capital Team – Dimensional Global Portfolios – February, 2024 Contributors Learn More HISA INFORMATION An Investor’s Guide to Making a Complaint Strip Bond Information Statement Brochures Your 2023 Tax Return – Tax Reporting Information Accounts and Services Agreement and Disclosures HISA INFORMATION Published: June 18, 2024 The release of the Bill C-86 which introduced sweeping changes to the Bank Act’s consumer protection framework, involving key amendments related to selling practices and […] Personal Wealth An Investor’s Guide to Making a Complaint Published: February 16, 2024 IIROC: Protecting Investors and Fostering Fair and Efficient Capital Markets across Canada. Strip Bond Information Statement Brochures Published: February 16, 2024 Your 2023 Tax Return – Tax Reporting Information Published: January 26, 2024 To help you complete your income tax return, the following document is an overview of the most common Canadian tax slips. Personal Wealth Accounts and Services Agreement and Disclosures Published: January 24, 2024 Accounts and Services Agreement and Disclosures For Clients of Introducing Brokers HISA INFORMATION Learn More An Investor’s Guide to Making a Complaint Summary IIROC: Protecting Investors and Fostering Fair and Efficient Capital Markets across Canada. Learn More Strip Bond Information Statement Brochures Learn More Your 2023 Tax Return – Tax Reporting Information Summary To help you complete your income tax return, the following document is an overview of the most common Canadian tax slips. Learn More Accounts and Services Agreement and Disclosures Summary Accounts and Services Agreement and Disclosures For Clients of Introducing Brokers Learn More HISA INFORMATION Strip Bond Information Statement Brochures HISA INFORMATION Published: June 18, 2024 The release of the Bill C-86 which introduced sweeping changes to the Bank Act’s consumer protection framework, involving key amendments related to selling practices and […] Strip Bond Information Statement Brochures Published: February 16, 2024 HISA INFORMATION Learn More Strip Bond Information Statement Brochures Learn More Contact the PWL Capital Team We offer comprehensive Wealth Management services to families accross Canada. We look forward to gaining a better understanding of your individual needs and discuss how we can best serve you. Please complete the form below and we will get in touch with you shortly. 1About You2About Your Investments Name* TitleMr.Mrs.MissMs.Dr.Prof.Rev. Prefix First Last Email* Phone*City ProvinceAlbertaBritish ColumbiaManitobaNew BrunswickNewfoundland and LabradorNorthwest TerritoriesNova ScotiaNunavutOntarioPrince-Edward IslandQuebecSaskatchewanYukon How did you hear about us?How did you hear about us?ReferralYouTubePWL Live Event (Webinar, Q&A)Rational Reminder PodcastThe Money Scope PodcastSocial MediaMedia and PressGoogleOtherAt PWL, we build long-term relationships with our clients through ongoing financial planning and portfolio management. Does this describe what you are looking for?*Yes - I am looking to partner with a team that can provide quality advice over time.No - I would like one-time feedback and prefer to implement on my ownHow much are you looking to have managed?**under $500,000$500,000 - $1,000,000$1,000,000 - $2,000,000$2,000,000 - $3,000,000$3,000,000 - $5,000,000$5,000,000 +Prefer not to discloseHow can we help?Subscribe to the Rational Reminder Newsletter. 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Retirement Planning We work with you to identify your cash flow needs and account for multiple scenarios to bring you peace of mind and help determine when you can expect to comfortably retire.
Asset Allocation We’re experts in asset allocation for Canadians. Learn which strategies will work uniquely for you.
Diversification We ensure you maintain a balanced and diversified portfolio of investments, across different types, sectors, and markets.
Estate Planning We consult with you and your other service providers to make sure everything is accounted for and your estate will be optimally managed.
Behavioural Coaching We guide you and help you adjust to make the right decisions when it comes to your finances. Small changes can have a huge impact on your portfolio.
Episode 314 – Professor Valentin Haddad: How Competitive is the Stock Market? Jul 18, 2024 Investing For Your Future
Episode 312 – Prof. John M. Griffin: Forensic Finance and the Power of Research Jul 9, 2024 Investing For Your Future
Evidence Based Investing Market Statistics – June 2024 Published: July 10, 2024 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors
Evidence Based Investing Market Statistics – May 2024 Published: June 19, 2024 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors
Evidence Based Investing Market Statistics – April 2024 Published: May 7, 2024 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors
Evidence Based Investing Market Statistics – March 2024 Published: April 5, 2024 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors
Evidence Based Investing Market Statistics – February 2024 Published: March 6, 2024 All figures in CAD unless mentioned otherwise Looking for reliable data on recent market performance? Here you’ll find a PDF document of the monthly statistics […] Contributors
Evidence Based Investing Financial Planning Assumptions for Market-Cap Weighted & Factor-Tilted Portfolios (Methodology Guide) Published: March 22, 2024 This guide describes PWL Capital’s methodology for estimating the expected returns, standard deviations, and correlations of major asset classes over a 30-year planning horizon. These […] Contributors
Evidence Based Investing The Passive Vs. Active Fund Monitor (2023) Published: March 18, 2024 This report describes the competitive landscape for passively and actively managed retail funds from 2014 to 2023 in Canada, the United States, and worldwide. Section […] Contributors
Evidence Based Investing Financial Planning Assumptions (Factor-Tilted Portfolio) Published: January 30, 2024 This guide is intended to provide Canadian financial planners with our best estimates of future asset classreturns and volatilities to produce financial projections for their […] Contributors
Evidence Based Investing Financial Planning Assumptions (Market Capitalization Weighted Portfolio) Published: January 30, 2024 This guide is intended to provide Canadian financial planners with our best estimates of future asset class returns and volatilities to produce financial projections for […] Contributors
Evidence Based Investing Permanent Life Insurance Published: September 7, 2023 Insurance is a financial contract designed to transfer risk from an individual or entity (the insured) toan insurance company (the insurer). Contracts are priced based […] Contributors
Capital Team – Dimensional Global Portfolios – June, 2024 Published: July 11, 2024 This document provides the performance data for Dimensional Global Portfolios for June 30, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors
Capital Team – Dimensional Global Portfolios – May, 2024 Published: June 19, 2024 This document provides the performance data for Dimensional Global Portfolios for May 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors
Capital Team – Dimensional Global Portfolios – April, 2024 Published: May 14, 2024 This document provides the performance data for Dimensional Global Portfolios for April 30, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors
Capital Team – Dimensional Global Portfolios – March, 2024 Published: April 15, 2024 This document provides the performance data for Dimensional Global Portfolios for March 31, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors
Capital Team – Dimensional Global Portfolios – February, 2024 Published: March 14, 2024 This document provides the performance data for Dimensional Global Portfolios for February 29, as compiled by the Capital Team. For illustration purposes only. Actual client portfolios may be […] Contributors
HISA INFORMATION Published: June 18, 2024 The release of the Bill C-86 which introduced sweeping changes to the Bank Act’s consumer protection framework, involving key amendments related to selling practices and […]
Personal Wealth An Investor’s Guide to Making a Complaint Published: February 16, 2024 IIROC: Protecting Investors and Fostering Fair and Efficient Capital Markets across Canada.
Your 2023 Tax Return – Tax Reporting Information Published: January 26, 2024 To help you complete your income tax return, the following document is an overview of the most common Canadian tax slips.
Personal Wealth Accounts and Services Agreement and Disclosures Published: January 24, 2024 Accounts and Services Agreement and Disclosures For Clients of Introducing Brokers
HISA INFORMATION Published: June 18, 2024 The release of the Bill C-86 which introduced sweeping changes to the Bank Act’s consumer protection framework, involving key amendments related to selling practices and […]