PWM Private Wealth Counsel

PWM Private Wealth Counsel Our mission is to help our clients and their families attain financial peace of mind.

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

09/04/2026

You've probably heard the term "donor advised fund", but what does it actually mean?

On this week's Money Sense, Joanne McGrath, Director of Philanthropy at Saskatoon Community Foundation, breaks it down in plain language. Think of it as a charitable giving account. You make your contribution and may get your tax receipt right away, but you don't have to decide which charities to support until you're ready.

That flexibility means you can be thoughtful and intentional over time, and it can even become a way to bring kids or grandkids into the conversation about giving and family values.

🎧 Listen to the full episode here: https://bit.ly/4i6PV34
📅 Tune in every Saturday at 11 a.m. and Sunday at 5 p.m. CST on 650 CKOM

09/03/2026

How much of your net worth is sitting in one field?

For a lot of Saskatchewan farm families, farmland isn't just the largest asset on the balance sheet, it's the whole balance sheet. That's exactly the kind of concentration risk our team will be digging into at our FREE Life After Harvest seminar this fall.

It's not only a tax and transition conversation. It's a family conversation. Does your next generation actually want the land, or are you holding onto it because it feels important to hold onto? Those are different questions, and they deserve an honest answer before you build a plan.

This fall we're bringing together financial planning, estate planning, and farmland planning in one room, because for farm families, they were never really separate conversations to begin with.

📅 Saturday, October 31st at 9:00-11:30AM

📍 Saskatoon, Prairieland Park Trade and Convention Centre

🎙️ Featuring Kevin Hegedus, Andrew Rodych, Michelle Connolly, and Tim Hammond

This is a free event, and seats are limited. Register here: https://bit.ly/3SLzS07

08/28/2026

Many people assume their will determines what happens to everything they own.
In reality, that's not always the case.

As part of our Life After Harvest educational series, estate lawyer Alison Katarey, Trust and Estate Practitioner and founding lawyer at Bridge City Law Office, explains several estate planning concepts every family should understand.

Highlights include:
⏱ 2:30 – What is (and isn't) part of your estate?
⏱ 3:50 – Why beneficiary designations and jointly owned property can override your will.
⏱ 5:56 – Common misconceptions about probate in Saskatchewan.
⏱ 8:13 – How death can trigger taxes and why planning matters.
⏱ 9:36 – Why "fair" doesn't always mean "equal."
⏱ 12:21 – Why a Power of Attorney is just as important as your Will.

🎥 Watch the full presentation here: https://bit.ly/4ccAenk

If these topics are important to your family, we'd love to have you join us at our upcoming FREE Life After Harvest Seminar on Saturday, October 31 in Saskatoon.

🎟️ Register here: https://bit.ly/4zL7coO

08/26/2026

A million dollars used to be the finish line. The number that meant you'd made it.

But Brandon Donsberger, Tax and Accounting Manager at PWM Private Wealth Counsel, hears the "is a million enough" question more than any other, and his honest answer is that the number alone never tells the whole story.

In the latest Money Sense episode, Brandon breaks down why your income matters more than your net worth, how CPP and OAS act like legs on a table holding up your retirement, why the order your investment returns arrive in can matter more than the average, and why inflation quietly erodes purchasing power over time. He also shares the ten-point checklist he uses to help clients know they're truly ready.

🎧 Listen to the full episode here: https://bit.ly/4gwUcdB
📅 Tune in every Saturday at 11 a.m. and Sunday at 5 p.m. CST on 650 CKOM

The Most Dangerous Bubble Might Be the One You Never Invest InWhen most people hear the word bubble, they immediately th...
08/25/2026

The Most Dangerous Bubble Might Be the One You Never Invest In

When most people hear the word bubble, they immediately think danger. But here's an uncomfortable question.

What if every generation's greatest innovations looked like bubbles at the time?

Railroads.
Electricity.
The Internet.

Each attracted enormous amounts of capital. Many investors lost money. Yet each changed the world. The problem isn't that bubbles exist. The problem is believing we know, in real time, which excitement will become tomorrow's essential infrastructure, and which won't. That's why successful investing isn't about avoiding every bubble. It's about building a portfolio that doesn't depend on being right about any single one. Sometimes the smartest investment decision isn't predicting the future. It's admitting nobody can.

Read August’s PWM Perspectives here: https://bit.ly/3UigMzg

$1.5 million rarely comes from one good decision.More often, it’s the result of hundreds of small decisions made consist...
08/22/2026

$1.5 million rarely comes from one good decision.

More often, it’s the result of hundreds of small decisions made consistently over time.

In the planning work we do at PWM Private Wealth, that means looking beyond a target number and focusing on fundamentals such as:

• Where assets are held (TFSA, RRSP, corporate, non-registered)
• How taxes quietly compound or erode outcomes over decades
• How behaviour tends to change during market stress
• How plans adapt when life doesn’t unfold as expectedPlanning isn’t about being aggressuve. It's about being intentional.

About understanding the assumptions behind the numbers before relying on them.That’s often where the biggest gaps or opportunities are revealed.

Would it be helpful to understand what actually sits underneath a long-term goal like $1.5 million?

If these topics are important to your family, we'd love to have you join us at our upcoming Life After Harvest Seminar on Saturday, October 31 in Saskatoon.

Register here: https://www.pwmprivatewealth.com/2026-life-after-harvest-fall/2026-life-after-harvest-seminar-sk-fall

08/21/2026

Everyone's calling this an AI bubble. But according to Andrew Rodych, Partner at PWM Private Wealth Counsel and Portfolio Manager with Q Wealth, the fact that everyone's saying it out loud might be exactly why it isn't behaving like one yet.

In the recent Money Sense episode, Andrew breaks down why a bubble could be more about psychology than any formula. He walks through why today's valuations don't mirror 1999, why Canada's market concentration may be a bigger risk than people realize, and why debt, not valuation, is where the real case for caution lives.

His bottom line: you don't need to guess which assets will soar or burst. You need a portfolio built to remain diversified through different market environments.

🎧 Listen to the full episode here: https://bit.ly/4gaeQRU
📅 Tune in every Saturday at 11 a.m. and Sunday at 5 p.m. CST on 650 CKOM

If Everyone Is Talking About a Bubble... Is It Really One?Here's something strange about investing. Real bubbles usually...
08/21/2026

If Everyone Is Talking About a Bubble... Is It Really One?

Here's something strange about investing. Real bubbles usually don't feel dangerous.

They feel obvious. In 1999, many people believed technology stocks could only go higher.

Today? Turn on the television, open YouTube, or sit down at your local coffee shop and you'll hear people asking the same question:

"Is AI a bubble?"

That should make us pause. History suggests genuine manias often happen when very few people are willing to question them.

Does that mean today's market is risk-free? Not at all. It simply reminds us that headlines don't always tell the whole story. Sometimes the conversation surrounding the market is just as important as the market itself.

Read the August’s PWM Perspectives: https://bit.ly/4xlKPVl

Your farm is more than an asset. It's a legacy built over generations, a lifework, and part of who you are.And eventuall...
08/20/2026

Your farm is more than an asset. It's a legacy built over generations, a lifework, and part of who you are.

And eventually, almost every farm family faces questions that don't have simple answers.

Should we sell the land or keep it?
How do we treat the kids fairly?
Are there tax mistakes we could avoid before making a major move?

That's the conversation we're opening up this fall at our Life After Harvest seminar. Join Kevin Hegedus, Andrew Rodych, Michelle Connolly, and Tim Hammond for a morning of honest, practical conversation about protecting what you've built and preparing for what comes next.

📅 Saturday, October 31st
🕘 9:00 AM to 11:30 AM
📍 Prairieland Park Trade & Convention Centre, Saskatoon

This event is free, but seating is limited. Register today on our website: https://bit.ly/4g8SmAL

08/14/2026

Most business owners insure their inventory, their equipment, even their fleet. But what happens when the biggest risk is a person, not a product?

On this week’s episode of Money Sense, Stewart Gillott, Insurance Advisor with PWM Financial Services Inc., walks through how he approaches insurance in a business planning context: covering debt, funding buy-sell agreements between shareholders, and using key person coverage when someone critical to the business is gone.

If your business has partners, employees, or debt on the books, this one's worth a listen.

🎧 Listen to the full episode here: https://bit.ly/4zkMN9T
📅 Tune in every Saturday at 11 a.m. and Sunday at 5 p.m. CST on 650 CKOM

Address

210 Wellman Crescent #205
Saskatoon, SK
S7T0J1

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 4pm

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