Mark Pearlstein Wealth Management of RBC Dominion Securities
Transparency, Experience, Trust & Service
The Pearlstein Relative Fixed Equity Ratio (PRFER)
I developed PRFER as a value-oriented strategy to work in good times and bad. I consult with my clients to create investment portfolios that answer three goals:
- Grow and protect your capital
- Provide a reasonable rate of return based on acceptable risk
- Build in flexibility to meet client objectives
PRFER Provides Flexibility and Resilience and Manages Risk
Three buckets of a typical PRFER portfolio
The “40% Vary” in PRFER allows us to weight the portfolio more aggressively or conservatively.
By considering various scenarios for the 40% Vary, you can create a framework for many types of portfolios, and then discuss the benefits and potential risks associated with each.
Download the Peak Lifestyle Guide to get all the details on the Pearlstein Relative Fixed Equity Ratio (PRFER)
If you’re retired, or have just sold your business or practice, you need to prepare your investment portfolio for changing markets.
As a wealth manager, I work with investors who have $1–$10 million to invest. For my client portfolios, I look to diversification, real value and appropriate levels of risk for each individual.
Learn more about how I work with clients. There’s no obligation.
I’m Sharing My Frameworks For Successful Investing
I wrote Frameworks for Successful Investing to outline how I view the markets, my perspectives on where to focus and what to ignore, and the importance of hard assets in most portfolios.
What’s In the Frameworks for Successful Investing Guide?
You’ll learn:
- The importance of identifying and understanding market cycles
- How to focus on portfolio balance over optimization
- Why you should be wary of labels such as “safe” and “risky”
Total Wealth Management Provides a 360° Perspective
Our integrated process brings all your financial, investment, insurance, and estate planning needs together into one comprehensive plan.
Benefit From Private Investment Management
Are you looking for an investment advisor who doesn’t need to consult with you for every little decision? Someone who can move fast on opportunities that might otherwise be lost?
With Private Investment Management, you get a discretionary managed account in which you delegate responsibility for day-to-day investment decisions to a personal portfolio manager who understands your goals and needs and works with you to grow your wealth.
Our team offers comprehensive fee-based wealth management solutions to high-net-worth individuals and businesses with a minimum liquid investment of $500,000.
Work With a Dedicated Personal Portfolio Manager
You get a completely customized solution based on your growth requirements, income needs, and risk tolerance. And because your approval isn’t required for every transaction, your manager can take advantage of every opportunity with zero delays.
Your personal relationship with your portfolio manager ensures that your portfolio always reflects your goals.
Video Library
The Word No One Wants To Hear
This word describes a stagnant market with ongoing inflation. Have you guessed it yet?
Transcript of the video The Word No One Wants To Hear
Click here for more informative videos.
Our Team—The Filter to Help You Succeed
From our initial meeting through to our everyday relationship, we think of ourselves as the filter that helps you succeed. This has become our motto, and it remains top of mind for all of us.
Financial Planning—The Complete Picture
Financial Planning for Today and Tomorrow
Many of our clients came to us after a substantial change in their lives.
For example, they sold their business or received an inheritance. In some cases, they downsized, and the sale of the family home brought a windfall.
Some of our clients had been widowed and were faced with managing their investments for the first time.
Others had simply been managing their own portfolios and realized they could do better with professional help.
Whatever your situation may be, we address your concerns, clarify your long- and short-term goals, and answer these questions:
- Can I retire when I want to and maintain my desired lifestyle?
- How can I ensure that I don’t outlive my money?
- How can I minimize my taxes?
- Is my investment allocation appropriate?
- If I were to die unexpectedly, would my family be taken care of?
- How can I protect the value of my estate?
How Does Insurance Fit Into the Picture?
Working with us, we’ll show you how insurance can be used to protect the value of your estate, ensure you can retire comfortably, and keep your family financially secure. Insurance can even help you grow your wealth over time.
Integrating insurance solutions into a plan is not only about a life insurance policy. Your situation is unique, and insurance can help protect you from potential risks. We work closely with our insurance specialist to help identify any opportunities that may enhance or protect your wealth.
Will and Estate Planning Go Hand-in-Hand with Tax Planning
Estate planning allows you to create a legacy for your family and beneficiaries. With a proper estate plan in place, you can feel confident that your family will be financially secure while minimizing the impact of taxation upon the transfer of your wealth.
If you have an existing will or are already working with a lawyer, we can help to ensure your estate is structured in a tax-efficient way and that wealth can transfer seamlessly.
It All Starts With You
Our personal approach and personalized service centres on you, and it begins with getting to know you, your needs, and your goals.
Our Mission
To provide you with expert services to plan and build your wealth, and empower you to make educated financial decisions.
Our Vision
To build trusted relationships through superior service and industry-leading expertise. This is the foundation for your financial future.
Our Investment Philosophy
We are here to help. Share your investment goals and see how we can help you attain them.
We realize that everyone has a unique tolerance for risk and specific investment objectives. That means we work closely with you and craft a written strategy, in plain language, that meets all aspects of your goals.
This is what we mean by Peak Life Style – it’s the life you want to live up to and through your retirement. The written strategy creates the clarity that’s so important to help you achieve your goal.
How we serve your wealth in its entirety
Our full-service offering integrates disciplined portfolio management with comprehensive wealth planning—all supported by experienced specialists throughout our robust RBC network.
Portfolio Management
Astute, research-based investments are the bedrock of our service
- Professional investment management
- Multi-generational support
- Risk Management
Planning
We mitigate risk and maximize opportunity to help fulfill you and your family’s ambitions
- Wealth protection
- Retirement income planning
- Will and estate planning
- Comprehensive financial planning
- Charitable giving and philanthropy
- Tax planning
Partnering
We work with professionals at RBC and beyond, as well as your existing partners to serve you
- Financial literacy
- Legacy planning
- Coordinating everyday banking needs
- Optimizing business wealth
- Group pensions and retirement savings plans
- Credit and lending solutions
Serving specialized needs
While we are able to advise on any Canadian’s wealth, our accomplished team has expertise and experience serving the particular requirements of several key groups.
Business owners
With a complete understanding of the unique circumstances facing business owners, we offer fully integrated personal and business wealth planning that always keeps taxes top of mind.
Retirees and pensioners
Whether you’re preparing for retirement or already retired, it’s never too early – or too late – to plan. Because retirement is a journey that can last decades, we guide you in taking every financial opportunity to make the most of it.
Working professionals
If you’re still actively building wealth, we can help you prioritize goals, build your assets while managing debt, and plan for the future, so that you can focus on what truly matters most to you.
Highly affluent individuals
A high net worth requires a best-in-class approach to help manage it. That’s why we rely on our own expertise – and that of our world-class RBC partners – to help you achieve your goals for the future.
The Book
I wrote Balanced, The Al Pearlstein Story, Lessons from my Father on Life, Family and Investing to honour my father and to thank him for all that he taught me about how to manage money, and just as importantly, how to live a full and balanced life.
Guides
Get a better vantage point on your financial picture with these informative guides penned by the RBC Family Office Services team.
Estate planning guide
How planning for tomorrow – today – can help your estate aspirations
Financial planning facts
Comprehensive list of key information, such as deadlines, contribution limits, and tax facts
Tax reporting guide
Summary of the important dates and tax information required for your annual tax return
Insights
Read the latest on markets and more from our team as well as experts and thought leaders at RBC.