Building your wealth, steadily
Building wealth requires patience and consistency—principles that have guided Pearlstein Wealth of RBC Dominion Securities since its founding in 1985. Like a master craftsman refining their craft over decades, our approach blends proven expertise with disciplined strategy.
Founder Geoff Pearlstein established the firm to deliver expert guidance at every life stage, helping clients progress toward their wealth goals. When his son Michael—an accomplished wealth expert—joined in 2013, the team strengthened its foundation by integrating modern tools with time-tested principles.
The difference made by a team approach
Helping you secure the financial future that you’ve envisioned for you and your family – it’s why we do what we do. Over the years, we’ve found that bringing your vision to life often requires more than a sound investment strategy. That’s why we work shoulder to shoulder with your independent accountant, lawyer or other professionals to ensure your wealth plan is synchronized, sophisticated and personalized. We’re able to speak the same language, collaborate effectively and operate like a “family office” to achieve real results for our clients.
Client testimonials
Meet Pearlstein Wealth
As a team, we take great pride in rolling up our sleeves to make steady progress towards your goals.
How we invest
We select investment solutions that zig when the market – or life – zags.
Our aim is to grow your wealth from start to finish, but also prepare for the unexpected. To do this, we build your investment portfolio with a three-bucket approach, according to your goals and comfort with risk. By using three adaptable portfolio components, we’re better positioned to provide the growth and diversification you need while preparing for market downturns.
We take pride in building your wealth, steadily. When an unexpected expense or market downturn occurs – as they inevitably do – we’ll have strategies in place to help protect your wealth and lifestyle.
Blue-chip companies
Think mature, stable companies that offer steady returns, but with little volatility
ETFs
This component helps provide wide, diversified access to non-traditional markets, geographies, and assets.
Alternative investments
These types of investments generally zig when the markets zag, providing excellent diversification and keeping you balanced in volatile times.
We go beyond investing
Since 1985, our team’s purpose has remained unchanged: provide clients, at each stage of life, with expert advice and steady progress towards their wealth goals.
Sound investing strategies play a big part, but there’s more to building and protecting wealth than a rate of return. That’s why we go beyond investment management to coordinate and collaborate with our partners in financial planning, tax minimization, insurance solutions, estate planning, and more, who help us ensure your entire financial life is taken care of. We also work closely with your accountant, lawyer or other professionals who help us better help you.
Financial planning
Whatever your finish line looks like, steady progress towards it depends on a strong road map. We use something called myGPS™, our firm’s advanced financial projection tool, to generate a thorough report of your current financial picture and the actionable steps that will help you get to where you want to be.
Or, for more complex circumstances, we bring in our financial planning partner at RBC Wealth Management to take an even deeper dive. They will analyze your wealth strategy to uncover risks and opportunities, and advise on your path forward.
Whatever level of planning is required, we are here to ensure you can:
- Enjoy your wealth today
- Achieve the retirement you’ve envisioned
- Support your family’s education or well-being
- Be ready for unexpected expenses that come your way
Tax-efficient strategies
By leveraging our internal team member's tax expertise, and working closely with your professional accountant as needed, we make sure your financial road map is air-tight from a taxation perspective. Together, we help:
- Preserve your current wealth
- Maximize your after-tax retirement income
- Integrate business and personal tax strategies
- Protect the value of your estate over the long term
Insurance solutions
We don’t just mean your life insurance policy. Today, sophisticated insurance products help ensure future wealth for you or your family, and can go a long way to reduce your overall tax burden. We work closely with our partners to build strategies that:
- Protect your wealth from the unexpected financial burden illness or accidents
- Can enable personal and corporate tax savings
- Build wealth for your estate or charitable contribution
Will and estate planning
Leveraging our Wills and estate planning partner's extensive expertise, we help you build and solidify the legacy you’ve envisioned for your family and community. We address all your estate goals and concerns, and weave a personalized estate plan into your overall financial road map to:
- Allow a seamless transition of wealth to the next generation
- Minimize the time and costs associated with probate
- Ensure your gift is used and treated the way you intended
A word from Paula, our longtime client
It was finally time to downsize to a condo, and we got lucky as it didn’t take long for us to find the perfect place for our needs + a few wants! Timing wasn’t perfect, but we went for it – we purchased the condo, and put our house up for sale. The purchase of our soon-to-be-home closed in April and the sale of our old house closed in September – a 5-month gap we suddenly had to make work!
Thank goodness for The Pearlstein Wealth team… our panic quickly turned to relief. They really rallied with our other advisors to make it happen. They looked at various options and coordinated with my accountant to come up with a tax efficient plan to raise the funds. They quickly arranged the whole thing with our lawyer, accountant, banker and investment account, and on April 29th we got a call from Geoff who told us a cheque was waiting for us at our RBC bank branch.
We couldn’t be happier with how SIMPLE and manageable the whole process was. All that’s left to do now is settle into our new home!
– Paula
Pearlstein Wealth's Quarterly Commentary
Read the latest on markets and more from our team as well as experts and thought leaders at RBC.