Pejman Shabanpourfard, Ph.D.
Investment Advisor
You have dreams. We have the expertise to help you make them a reality.
Our team of experts is poised to help you take advantage of opportunities, handle challenges, and – ultimately – reach your goals. Taking an all-encompassing, personalized approach, we lean on the sophisticated tools, best-in-class resources, and esteemed specialists of RBC to manage, grow, and preserve your wealth.
As a business owner what we can do with the surplus cash in the Corporation?
As a business owner, strategically managing excess funds in your corporation is critical for both immediate financial flexibility and long-term retirement readiness. Tax-efficient strategies can help preserve capital while aligning with your broader wealth goals. Let’s explore tailored solutions to unlock the full potential of your retained earnings.
Key Tax-Smart Strategies
- Salary/Bonuses
- Dividends
- Shareholder Loans
- Corporate Investments
Ready to refine your approach? Book a consultation RBC Wealth Management or email me at pejman.shabanpourfard@rbc.com.
How a Joint Account work and how to leverage it?
Joint accounts can be powerful tools for estate and tax planning, offering seamless asset transfer and potential tax efficiencies. Two primary structures exist:
- Joint Tenants with Rights of Survivorship (JTWROS)
- Tenants in Common (TIC)
Key Benefits & Considerations
- Estate Planning
- Tax Advantages
- Caution
Let’s assess if joint ownership aligns with your wealth strategy. Book a consultation RBC Wealth Management or email me at pejman.shabanpourfard@rbc.com.
Which Asset in Which Account?
As a business owner or incorporated professional, strategically allocating investments across RRSPs, TFSAs, and corporate accounts is key to maximizing tax efficiency and growth.
Smart Asset-Account Pairing
- Tax-Deferred Accounts (RRSPs)
- Tax-Free Accounts (TFSAs)
- Corporate Accounts
Let’s tailor your investment framework for optimal efficiency. Book a consultation RBC Wealth Management or email me at pejman.shabanpourfard@rbc.com.
Does an RRSP work for you?
Considering an RRSP? These tax-advantaged accounts offer compelling benefits for long-term wealth building:
- Tax Reduction
- Flexibility
- Tax-Deferred Growth
- Income Splitting
Key Considerations
While powerful, RRSPs may not suit short-term goals due to taxable withdrawals. At death, remaining funds are fully taxable, so strategic planning is essential.
Let’s determine if an RRSP aligns with your financial future. Book a consultation RBC Wealth Management or email me at pejman.shabanpourfard@rbc.com.
Professionals at your service
As the Persian father of two sons, Pejman migrated to Canada from Iran to sharpen his expertise and motivate himself to build a brighter future for his family.
With a robust educational background in finance and a distinguished career as a board member and director in investment banks and companies spanning over two decades, Pejman brings a unique set of qualifications and experience to the table.
This wealth of knowledge and expertise uniquely positions him to guide the Persian community, including successful business owners and professionals, toward a secure financial future. The offering includes investment management, tax planning, retirement planning, and estate planning.
"Grow your wealth safely and steadily."
Language: English - Persian/Farsi
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.
What we do
We design investment portfolios to meet your needs, both now and in the future, with a disciplined process to help keep you on track. Whether your goal is growing wealth, generating income, minimizing taxes or planning for retirement, we tailor solutions to your circumstances. Before recommending anything, we review your situation in depth, define your risk tolerance, and set realistic long-term objectives aligned with your comfort level. Depending on your needs, we may also connect you with our network of RBC specialists—in areas like insurance, estate planning and business planning—to ensure that every financial need and life stage is well planned for.
How we do it
Our four-step portfolio process is designed to keep your investments working toward your goals at every stage. We start with a discovery meeting, where we take the time to understand your needs, goals, time horizon and risk tolerance. Then we develop an Investment Policy Statement—the guiding principles for how your portfolio will be managed. With that foundation, we build your personalized portfolio with the right balance of stocks, bonds and cash, in collaboration with the firm’s investment strategists and research analysts. Finally, through ongoing monitoring and reviewing, we keep a close eye on your portfolio, making adjustments as needed so it continues to align with your objectives in changing market conditions.
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.
Our wealth management solutions for High Net Worth families
At RBC Wealth Management, we provide comprehensive wealth management solutions for successful families. Our core services include investment management, tax and financial planning, retirement and will and estate planning. We also provide financial literacy education for the next generation.If you are seeking ways to:
- preserve and grow your wealth
- implement tax-efficient strategies with your investments
- ensure the quality of your retirement
- and prepare to transfer your wealth to your heirs
We are here to support you and your loved ones. With consultants in each area, you will be offered comprehensive wealth management solutions.
Pros and cons of investing in Real Estate
Real estate remains a cornerstone investment for many Canadian families, offering both significant opportunities and important considerations.
Key Benefits of Real Estate Investing
• Steady Cash Flow
• Property Appreciation
• Tangible Asset
Important Challenges to Consider
• High Initial Capital
• Active Management
• Market Volatility
Understanding how real estate fits within your broader investment portfolio requires personalized guidance. Book a consultation with RBC Wealth Management or reach out to me at pejman.shabanpourfard@rbc.com.
The Pros and Cons of Investing in the Capital Markets
This video compares capital market investing to real estate investing, highlighting key advantages and disadvantages of each.
Key Benefits
- Liquidity
- Lower Entry Cost
- Diversification
Key Challenges
- Market Volatility
- Emotional Management
- Complexity
Tax Advantages
Capital markets investments benefit from tax-sheltered accounts (RRSPs and TFSAs in Canada), with capital gains tax typically lower and more manageable than real estate investments.
For more information book a consultation with RBC Wealth Management or reach out to me at pejman.shabanpourfard@rbc.com.
The Importance of Diversification
Overview This video emphasizes diversification as a core investment strategy for managing risk and building a balanced portfolio that combines real estate and capital market investments.
Why Diversify
- Risk Management
- Potential for Higher Returns
- Financial Stability
Key Message
Diversification is essential for achieving a balanced investment portfolio and managing market volatility.
For more information book a consultation with RBC Wealth Management or reach out to me at pejman.shabanpourfard@rbc.com.
Retirement Planning Solutions
This video addresses retirement planning for three distinct groups and introduces our specialized retirement solutions.
- Employees Nearing Retirement
- Business Owners/CEOs
- High-Income Earners
Solutions Offered by RBC Wealth Management provides two exclusive products tailored to individual financial needs:
- Individual Pension Plan (IPP)
- Retirement Compensation Arrangement (RCA)
For more information book a consultation with RBC Wealth Management or reach out to me at pejman.shabanpourfard@rbc.com.
Tax-Efficient Wealth Management
This video outlines personalized tax minimization strategies across all life stages, from wealth accumulation through legacy planning.
Current Tax Assessment
We begin by encouraging viewers to evaluate their present tax situation and current tax reduction approaches.
Wealth Accumulation Stage
For those growing assets, RBC Wealth Management offers tax-efficient investment vehicles:
- Fixed Income Options
- Equity Exposure
- Alternatives
Wealth Transfer & Legacy Planning Specialized products are available to:
- Minimize or eliminate tax implications of wealth transfers
- Empower clients to create meaningful legacies for heirs
- Inspire future generations through strategic tax planning
For more information book a consultation with RBC Wealth Management or reach out to me at pejman.shabanpourfard@rbc.com.
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.