PWM Private Wealth Counsel

We help you through every stage
of your financial journey.

Founded in 2009 by Kevin Hegedus, who has been in the investment industry since 1991, PWM has grown to become one of Canada's largest independent financial planning firms. Our mission is to help our clients and their families attain financial peace of mind by creating comprehensive financial plans tailored to their objectives. With decades of combined experience, our team focuses primarily on the needs of high-net-worth families, individual investors, and corporations.

About PWM About Q Wealth Partners

Our Clients

Building Wealth

Build your wealth by making smart decisions early on. Invest wisely. Make a budget and track your expenses. Prioritize paying off debt. Let us help you get on the correct path.

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Preserving Your Family Life

Protect your wealth for life’s unexpected moments. It’s time to consider life or disability Insurance, create an estate plan and prepare a will. Our wealth advisors can guide you through this.

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Enjoying Retirement

Have you considered your expenses during retirement? Use your investments and pension plan to supplement your income. We can help you prepare a plan that works for you.

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Continuing Your Legacy

You’ve grown your wealth over the years. It’s now time to update your will and re-evaluate your estate plan to prepare it for the next generation. A well-prepared plan will help secure your legacy.

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Our Services

PWM Private Wealth Counsel is home to a proprietary process that puts all the pieces of the financial puzzle together. We exemplify a true holistic approach, providing discretionary, fee-based wealth management through investment management with Q Wealth, financial planning, insurance, and tax & accounting services.

Discretionary Management

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Planning – A Holistic Approach

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Insurance & Estate Planning

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Tax Preparation Services

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Tax & Corporate Structure

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Farm Transition / Exit Planning

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Our Approach

The world of finance has seen dramatic change, disruption and innovation over the past quarter-century, with three key factors standing out as most consequential for Canadian investors:

Our more diverse, open, complicated and growing economy.
The current inflationary and interest rate environment.
The need to build innovative and managed portfolios while keeping fees as low as possible.

The traditional 60/40 (60% equity, 40% fixed income) approach to asset allocation served many investors very well in the past, but with inflationary and unprecedented interest rate activity, the historical environment the 60/40 was built on is now a long-distant memory.

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Our Process

Wealth management involves so much more than managing investments. Our holistic approach puts all of the pieces of the financial puzzle together, giving you peace of mind and allowing you the freedom to focus on the things that really matter.

For family’s wishing to take advantage of our complementary planning service, we understand that your time is valuable and that the process can feel overwhelming. Based on your needs, our PWM wealth advisors and/or Q Wealth portfolio managers would typically take you through the following process to ensure we meet your financial objectives.

While we are happy to meet in person, should you wish to meet virtually, our secure screen sharing meetings are a great alternative.

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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 Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Saskatchewan, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, and an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan. 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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