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PWL Capital Inc. (Toronto)
Toronto, Ontario
(416) 203-0067 or toll free 1-866-242-0203

Justin Bender, CFA, CFP – Associate Portfolio Manager
Kathleen Clough, CIM, CFP, RFP, TEP – Portfolio Manager
Shannon Dalziel, B. Comm. – Investment Advisor

Offers in-house discretionary portfolio management and holistic financial planning.

Investment philosophy: Markets are efficient, and investors cannot expect higher returns without bearing higher risk. Exposure to certain factors has historically been shown to compensate investors over the long term. Clients attain exposure to these factors through low-cost, diversified, tax-efficient ETFs and mutual funds (Dimensional Fund Advisors).

Fee structure: Clients pay 1.5% of assets under management, trending down as total size of family accounts gets larger. Fee includes Investment Policy Statement (IPS), portfolio construction and monitoring, annual or semi-annual portfolio reviews including personal rates of return, adjusted cost base (ACB) and capital gain/loss reporting. Assets are held in accounts in client’s name by the carrying broker, TD Waterhouse Canada Inc. Minimum family account size is $500,000.

PWL also provides integrated financial planning services with fees set in advance, based on a customized mandate.

PWL Capital Inc. (Ottawa)
Ottawa, Ontario
(613) 237-5544 or toll free 1-800-230-5544

Cameron Passmore, CIM, FMA, FCSI – Portfolio Manager
Nancy Graham, CA, CIM, CFP, TEP – Portfolio Manager

Offers in-house discretionary portfolio management and holistic financial planning.

Investment philosophy: Markets are efficient, and investors cannot expect higher returns without bearing higher risk. Exposure to certain factors has historically been shown to compensate investors over the long term. Clients attain exposure to these factors through low-cost, diversified, tax-efficient ETFs and mutual funds (Dimensional Fund Advisors).

Fee structure: Clients pay 1.5% of assets under management, trending down as total size of family accounts gets larger. Fee includes Investment Policy Statement (IPS), portfolio construction and monitoring, annual or semi-annual portfolio reviews including personal rates of return, adjusted cost base (ACB) and capital gain/loss reporting. Assets are held in accounts in client’s name by the carrying broker, TD Waterhouse Canada Inc. Minimum family account size is $500,000.

PWL also provides integrated financial planning services with fees set in advance, based on a customized mandate.

PWL Capital Inc. (Waterloo)
Waterloo, Ontario
(519) 880-0888 or toll free 1-877-517-0888

Graham Westmacott, CFA – Investment Advisor and Associate Portfolio Manager

Offers in-house discretionary portfolio management and holistic financial planning.

Investment philosophy: Markets are efficient, and investors cannot expect higher returns without bearing higher risk. Exposure to certain factors has historically been shown to compensate investors over the long term. Clients attain exposure to these factors through low-cost, diversified, tax-efficient ETFs and mutual funds (Dimensional Fund Advisors).

Fee structure: Clients pay 1.5% of assets under management, trending down as total size of family accounts gets larger. Fee includes Investment Policy Statement (IPS), portfolio construction and monitoring, annual or semi-annual portfolio reviews including personal rates of return, adjusted cost base (ACB) and capital gain/loss reporting. Assets are held in accounts in client’s name by the carrying broker, TD Waterhouse Canada Inc. Minimum family account size is $500,000.

PWL also provides integrated financial planning services with fees set in advance, based on a customized mandate.

PWL Capital Inc. (Montreal)
Montreal, Quebec
(514) 875-7566 or toll free 1-800-875-7566

Anthony S. Layton, MBA, CIM – Chairman & CEO, Portfolio Manager
James Parkyn, C. Admin., F.Pl., CIM, FCSI – Portfolio Manager
Peter Guay, CFA – Portfolio Manager
François Doyon La Rochelle, CFA – Portfolio Manager and Financial Analyst
Nikolas Androutsos – Investment Advisor and Associate Portfolio Manager

Offers in-house discretionary portfolio management and holistic financial planning.

Investment philosophy: Markets are efficient, and investors cannot expect higher returns without bearing higher risk. Exposure to certain factors has historically been shown to compensate investors over the long term. Clients attain exposure to these factors through low-cost, diversified, tax-efficient ETFs and mutual funds (Dimensional Fund Advisors).

Fee structure: Clients pay 1.5% of assets under management, trending down as total size of family accounts gets larger. Fee includes Investment Policy Statement (IPS), portfolio construction and monitoring, annual or semi-annual portfolio reviews including personal rates of return, adjusted cost base (ACB) and capital gain/loss reporting. Assets are held in accounts in client’s name by the carrying broker, TD Waterhouse Canada Inc. Minimum family account size is $500,000.

PWL also provides integrated financial planning services with fees set in advance, based on a customized mandate.

Index Wealth Management Inc. (Winnipeg)
Winnipeg, Manitoba
(204) 989-6200

Alan Fustey, CFA, CIM, FCSI
Managing Principal and Portfolio Manager

Offers personalized discretionary portfolio management. For individuals who do not meet the minimum account size, fee-based investment review and asset allocation planning is available.

Investment philosophy: Builds portfolios using ETFs as core holdings.  Depending on client’s investment goals and risk tolerance, these ETFs may be combined with call option strategies to enhance income or reduce portfolio volatility.

Fee structure:  Clients pay a transparent fee based on assets under management, beginning at 1.25% and declining to 0.30%. Fee includes financial planning, Investment Policy Statement (IPS), portfolio construction and monitoring, quarterly performance reviews, and comprehensive annual tax reporting.  Minimum family account size is $400,000.

Note: Index Wealth Management Inc. is registered as a Portfolio Manager with the Ontario, Manitoba, Saskatchewan, Alberta and British Columbia Securities Commissions. All client assets are held with a custodian covered by the Canadian Investor Protection Fund.

Index Wealth Management Inc. (Calgary)
Calgary, Alberta
(403) 269-1375

Ken Serbu, CIM, B.Mgmt

Offers personalized discretionary portfolio management. For individuals who do not meet the minimum account size, fee-based investment review and asset allocation planning is available.

Investment philosophy: Builds portfolios using ETFs as core holdings.  Depending on client’s investment goals and risk tolerance, these ETFs may be combined with call option strategies to enhance income or reduce portfolio volatility.

Fee structure:  Clients pay a transparent fee based on assets under management, beginning at 1.25% and declining to 0.30%. Fee includes financial planning, Investment Policy Statement (IPS), portfolio construction and monitoring, quarterly performance reviews, and comprehensive annual tax reporting.  Minimum family account size is $400,000.

Note: Index Wealth Management Inc. is registered as a Portfolio Manager with the Ontario, Manitoba, Saskatchewan, Alberta and British Columbia Securities Commissions. All client assets are held with a custodian covered by the Canadian Investor Protection Fund.

Index Wealth Management Inc. (Vancouver)
Vancouver, BC
(604) 609-6177

Gordon Ross, CFA

Offers personalized discretionary portfolio management. For individuals who do not meet the minimum account size, fee-based investment review and asset allocation planning is available.

Investment philosophy: Builds portfolios using ETFs as core holdings.  Depending on client’s investment goals and risk tolerance, these ETFs may be combined with call option strategies to enhance income or reduce portfolio volatility.

Fee structure:  Clients pay a transparent fee based on assets under management, beginning at 1.25% and declining to 0.30%. Fee includes financial planning, Investment Policy Statement (IPS), portfolio construction and monitoring, quarterly performance reviews, and comprehensive annual tax reporting.  Minimum family account size is $400,000.

Note: Index Wealth Management Inc. is registered as a Portfolio Manager with the Ontario, Manitoba, Saskatchewan, Alberta and British Columbia Securities Commissions. All client assets are held with a custodian covered by the Canadian Investor Protection Fund.

Macdonald, Shymko & Company
Fee Only Financial Advisors + Portfolio Manager
Vancouver, BC
(604) 687-7966
msc@msc-feeonly.com

Since 1972, MSC has provided comprehensive and unbiased “Fee Only” financial planning advice, which may include cash flow, income tax, business owner, risk/insurance, retirement, estate, and executive stock option strategies for the achievement of clients’ personal and financial goals. MSC is registered as Portfolio Manager to provide advice and optimize the achievement of their clients’ investment goals.

Investment philosophy: Uses an asset class investment philosophy and has recommended exchange-traded funds/vehicles since 1990. Clients invest in low-cost, diversified, tax-efficient ETFs and Dimensional Fund Advisors assets. Portfolios may include mortgage investment corporations, real estate and fixed income ladders.

Fee structure: MSC has never accepted commissions or referral fees. Clients pay financial planning hourly rates of $180-$320. For portfolio management services, clients pay 1.15% of assets under management, trending down to 0.2% depending on the total size of family accounts (plus MER of assets held). Fee includes investment policy statement, tailored portfolio construction, regular reporting with economic commentary and portfolio feedback, periodic review meetings, client education, adjusted cost base and capital gain/loss tracking.

Note: MSC is registered as a Portfolio Manager with the British Columbia, Alberta and Ontario Securities Commissions, and has clients across Canada and those located internationally.