PWM Private Wealth Counsel

PWM Perspectives: December 2025

December 3, 2025

Every market cycle tells a story, and 2025 has been a masterclass in resilience. From sharp corrections to record highs, this year reinforced a timeless truth: wealth isn’t built in moments of certainty, but in how we navigate uncertainty. Just as seasons change, markets move through highs, volatility, and recovery. The key is remembering that every winter gives way to spring, and volatility and downturns, to growth.

PWM Perspectives: November 2025

November 10, 2025

PWM Perspectives provides valuable insights into market dynamics, investment opportunities through Q Wealth, and key financial indicators. We are committed to keeping you informed with timely updates from PWM Private Wealth Counsel and Q Wealth Partners, our partner portfolio management firm.

PWM Perspectives: October 2025

October 2, 2025

Farmland in Saskatchewan isn’t just an asset. It’s a legacy, a lifework, a piece of identity. Understanding today’s trends, risks, and opportunities has never been more important.

PWM Perspectives: September 2025

September 4, 2025

We are committed to keeping you informed with timely updates from PWM Private Wealth Counsel and Q Wealth Partners, our partner portfolio management firm.

PWM Perspectives: August 2025

August 7, 2025

We are pleased to share a short snapshot on the markets, investment ideas, key numbers and indicators, and updates from PWM Private Wealth Counsel and Q Wealth Partners, our partner portfolio management firm.

Spring Clean Your Finances: A Strategic Refresh for the Year Ahead

May 16, 2025

Before diving into statements and documents on your own, the most effective place to start is with a check-in.

From the Family Grain Farm to Building Relationships With Clients

March 24, 2025

This interview was done by The Globe and Mail.

Book Review: The Psychology of Money by Morgan Housel

February 28, 2025

Through insightful stories and anecdotes, the book highlights the importance of understanding the psychology behind wealth and how our mindset can either help or hinder our financial success.

Unlocking Trapped Capital: Leveraging Insurance Strategies for Meaningful Wealth

February 27, 2025

For many farmers and business owners, capital gains represent a substantial portion of their wealth. However, realizing those gains often comes with significant tax implications, which can limit opportunities for reinvestment or growth.

Brian’s Tax Tips – The Benefits of Having PWM Tax and Accounting Prepare Your Tax Returns and Corporate Financials

February 27, 2025

This partnership combines expert tax preparation with holistic wealth planning, ensuring every decision supports both your immediate needs and your long-term goals.

The Importance of Hedging in Investment Management: How Q Wealth's Private Pools Add Value for PWM Clients

February 27, 2025

Investment markets are inherently unpredictable. Economic shifts, geopolitical events, and market volatility can pose significant risks to even the most carefully constructed portfolios.

Introducing the Q Wealth Select Strategic Assets

February 27, 2025

The fund is designed to help investors access opportunities that might not have been part of their traditional asset types – and asset types that for many years have been more typically reserved for large institutional investors.

Where Money Meets Meaning: The Culture of Q Wealth and PWM Private Wealth Counsel

February 27, 2025

At PWM Private Wealth Counsel, we believe that wealth is more than just numbers on a balance sheet. It’s about aligning your financial success with your personal values and life goals.

The Importance of an RRSP for Retirement Planning

February 5, 2025

A Registered Retirement Savings Plan (RRSP) is a powerful financial tool designed to help Canadians save for retirement. An RRSP offers a range of benefits that can make achieving long-term financial security easier and more efficient.

Creating a Lasting Impact: Giving with Purpose

December 19, 2024

Philanthropy is a powerful way to shape one’s legacy, creating a meaningful impact that can inspire generations.

Protecting Your Family and Finances Amid Dementia

December 5, 2024

The deterioration of the brain, however, robs people of the latter. For that individual, coming to terms with the reality, confusion and memory loss must be terrifying. For loved ones turned carers, it is heartbreaking and the emotional toll heavy.

Empowering Future Generations Through Financial Literacy

November 20, 2024

In Canada, November is recognized as Financial Literacy Month, making it an ideal time to dive deeper into what you know and where you can improve

Mindful Retirement

November 5, 2024

For retirees, finding a life purpose can be particularly important because retirement often represents a significant transition from a structured work life to a more open and unstructured phase.

Brian’s Tax Tips – A Look Back

October 28, 2024

Starting at PWM Tax and Accounting last winter was my 21st year practicing as an accountant. When I started, we had just emerged from one of the worst droughts in Saskatchewan and BSE was just about to be found in Saskatchewan.

Do You Really Need Insurance?

October 28, 2024

If there is anyone relying on you financially, you need life insurance. The day that you die, your income stops. But your dependants will still have to pay for your mortgage, groceries, heat and all of the other bills

Navigating Politics and Your Investments

October 28, 2024

Election seasons in Canada and the US further shift the media’s focus, raising concerns among clients about potential market volatility.

What Type of Wealth Advisor Fits Your Needs?

October 28, 2024

Picking the right type of wealth advisor is one of the most challenging things when making this decision. First, you must consider why you need a wealth advisor is the first place. Is it for a single task or ongoing assistance.

Kevin Hegedus becomes registered as a Portfolio Manager with Q Wealth Partners

September 20, 2024

Kevin founded PWM in 2009 and has been in the financial services industry since 1991. PWM joined Q Wealth as a Partner firm in March 2024

2024 U.S. Election and the Potential Impact on Our Portfolios

September 5, 2024

There is no doubt, however, that the current campaign is anxiety inducing for investors. Canada may be gearing up for its own divisive political battle, but its noisy neighbour is a behemoth that dominates news cycles.

No Champagne but a New Interest Rate Era has Begun

August 7, 2024

In the end, it was an anti-climax. After months of speculation and conjecture, the Bank of Canada has reduced its benchmark interest rate for the second successive time. But the markets, which had already priced the cuts in, gave an indifferent shrug.

Navigating Your Prized Cabin Investment

July 23, 2024

Cabins were all the rage in recent years past—and that’s precisely why they’re still an investing hot topic in 2024.

Stars Have Never Aligned Better for Canadian Property Investors

June 25, 2024

It’s the dream of millions: to own a house and plant your flag on a piece of property. This achievement, which for many begins as soon they start collecting a pay cheque, is tangled with emotion, memories and attachment.

Sharing is Caring – and More Tax Efficient

June 17, 2024

For those of you still shaking off the hassle of this year’s returns, the planning for next year should start now.

Taking the Risk Out of Retirement Income

June 10, 2024

For those heading towards or already in retirement, now is not the time to gamble with your future.

Digesting the Proposed Capital Gains Tax Hike

May 14, 2024

History, ultimately, will be the judge of the recently proposed capital gains tax hike.

PWM Private Wealth Counsel Joins as the Newest Member of the Q Wealth Partnership

March 25, 2024

Q Wealth Partners extends its National presence to Saskatchewan with the addition of a marquee advisory team in Saskatoon this month.

Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including PWM Private Wealth Counsel. As a client of Q Wealth, you may receive services from both Q Wealth and PWM Private Wealth Counsel. Note that individuals from PWM Private Wealth Counsel will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. PWM Private Wealth Counsel may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered as a Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan and Yukon, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan, and a Commodity Trading Manager in Ontario. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit www.qwealth.com for more information.

Kevin Hegedus is the founder of PWM Private Wealth Counsel with offices in Saskatoon, Prince Albert, and Swift Current, Saskatchewan, Canada.
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Insurance products and services are offered through PWM Financial Services Inc.

PWM Tax & Accounting Services is not related to and is an independent third-party business from PWM Financial Services Inc. and PWM Private Wealth Counsel.

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