Marina Najian, Wealth Advisor

Marina Najian, Wealth Advisor I'm a Wealth Advisor in North Vancouver, helping individuals and families build and preserve their financial futures with personalized strategies.

Let's craft a plan that works for you.

🚀 We’re building something exciting on the North Shore!Our new BNI networking group is growing, and we already have a fa...
08/16/2026

🚀 We’re building something exciting on the North Shore!

Our new BNI networking group is growing, and we already have a fantastic group of highly motivated business professionals building strong connections and getting ready to grow together through referrals, collaboration and support.

BNI isn’t for everyone — and that’s okay. It’s for people who want to approach networking in a structured and committed way, build genuine professional relationships and actively help each other grow. There are countless examples of businesses that have grown and scaled significantly through BNI.

One important thing about the poster below: the professions shown in the empty spots are for illustration only! We have many more categories available than we could possibly fit on one poster.

BNI allows only one person from each profession/category in a group. So if you don’t see your profession listed among the open spots, please don’t assume we aren’t looking for you. If you have even a slight interest, DM me and I’ll be happy to tell you whether your category is available and answer any questions.

A few professionals I would personally love to see join us right now are lawyers (especially estate lawyers, but other areas too), a notary, an experienced accountant/accounting firm, and an experienced mortgage broker working with multiple lenders. But that is absolutely not an exhaustive list.

For our North Shore group, we’re particularly interested in people who live on the North Shore or nearby. A lot of great networking happens within the community where we live and work, so being local makes building those relationships much easier.

And if you’re interested in BNI but the North Shore isn’t convenient, still reach out! There are other groups forming and growing throughout the Lower Mainland and Fraser Valley, and we can help point you in the right direction.

Curious? Check out the two QR codes on the poster. One gives you more information about our group, and the other takes you to our Wednesday morning online Discovery Meeting, where you can meet us and see whether BNI might be a good fit.

No obligation — just one hour of your Wednesday morning to explore the possibilities.

And of course, you can always DM me directly. 😊

Analysis ParalysisHave you ever spent so much time researching something that you ended up doing
 nothing?I was listenin...
07/14/2026

Analysis Paralysis

Have you ever spent so much time researching something that you ended up doing
 nothing?
I was listening to a podcast recently where a fitness expert described people who consume endless information about diets, workouts, supplements, and exercise plans. They become so overwhelmed by conflicting advice that they simply give up before they even begin.
I see exactly the same thing with personal finances.
There is no shortage of information. Articles, videos, podcasts, AI tools, online calculators, Reddit discussions - you can find thousands of opinions on almost any financial topic. RRSP or TFSA? Which ETF? Pay off the mortgage or invest? Borrow to contribute to an RRSP? Start an RESP now or later?
The problem isn’t a lack of information.
The problem is knowing which information does actually apply to your situation.
AI can be an excellent starting point. It can explain concepts, answer questions, and help you organize your thoughts. But it doesn’t know your complete financial picture, your goals, your family, your tax situation, or how your plans may change over time. It won’t call you next February to remind you that this year’s RRSP contribution could save you thousands in taxes. It won’t notice that your child was born and suggest setting up an RESP to maximize government grants. It won’t reach out because tax rules changed or because your retirement plan needs adjusting.
And if you’ve ever spent ten minutes reading investment discussions online, you know how quickly conflicting opinions can leave you more confused than when you started.
That’s analysis paralysis.
One of the most rewarding parts of my job is helping people cut through the noise. We create a Plan that fits their life today, adjust it as life changes, and make sure important opportunities don’t slip by simply because there was too much information to process.
Whether it’s me or another qualified Financial Planner, having a trusted professional in your corner can make all the difference.
Sometimes the hardest part isn’t making the perfect financial decision.
It’s making a good decision and actually getting started.

The information on this page was prepared by Marina Najian who is a Wealth Advisor with iA Private Wealth Inc., and does not necessarily reflect the opinion of iA Private Wealth. The information contained on this page is taken from sources we consider reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation as of the publication date and may change without notice. Furthermore, they do not constitute an offer or a solicitation to buy or sell the securities mentioned. The information contained herein may not be suitable for all types of investors. iA Private Wealth Inc. is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization. iA Private Wealth is a trademark and trade name under which iA Private Wealth Inc. operates.
This content was fully or partially generated by artificial intelligence. The advisor reviewed the critical information independently.

Many people ask about “monthly dividends” when what they are actually looking for is predictable monthly income.And thos...
06/09/2026

Many people ask about “monthly dividends” when what they are actually looking for is predictable monthly income.

And those are not the same thing.

One of the most common questions I receive is:

“If I have $100,000 invested, how much monthly income can I get?”

And honestly - the answer is usually not what people expect.

Because many people imagine investing like this:

You deposit money.
The original amount never changes.
And every month you simply receive income from it forever.

But that is not really investing.

That is closer to savings earning guaranteed interest.

And in today’s environment, if you want zero volatility and complete safety of principal, you are usually looking at relatively modest income.

So instead of starting with:
“How much can I get?”

I usually ask clients a different question:

“How much do you actually NEED every month?”

Because that changes everything.

For example, and for illustrative purposes only:
- $1,000/month from $100,000 means you need roughly 12% annually
- $500/month means roughly 6%
- $250/month means roughly 3%

Those are very different strategies with very different levels of risk.

And this is where investment planning becomes important.

Someone asking for monthly income often does not want aggressive risk or constant stress. They want stability, predictability, and confidence that the money will last.

So the real conversation is not just about “dividends.”

It is about:
- time horizon
- risk tolerance
- tax efficiency
- flexibility
- whether the money may be needed later
- and how much volatility someone can emotionally handle

Because yes - it may be possible to build a portfolio designed to distribute 5-6% annually over time.

But if the money is needed short term, or if someone cannot emotionally tolerate market fluctuations, the strategy may need to look very different.

This is why financial planning is never just about picking an investment.

It starts with understanding the purpose of the money.

So if you are thinking about creating monthly income from your investments, start with these two questions:

1. How much do you truly need every month?
2. How long do you want the money invested?

Everything else comes after that.

Marina

This information has been prepared by Marina Najian who is a Wealth Advisor for iA Private Wealth Inc. and does not necessarily reflect the opinion of iA Private Wealth. The information contained in this post comes from sources we believe reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any of the securities mentioned. The information contained herein may not apply to all types of investors. iA Private Wealth Inc. is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization. iA Private Wealth is a trademark and a business name under which iA Private Wealth Inc. operates.

For many people in Vancouver - especially immigrants from countries where banking systems were unstable or trust in fina...
05/25/2026

For many people in Vancouver - especially immigrants from countries where banking systems were unstable or trust in financial institutions was low - real estate always felt like the safest investment.

And honestly, for a long time, it worked.

You could see it.
Touch it.
Drive by it.
Live in it.
Rent it out.

It felt real.

Over the last 20+ years, many families built significant wealth through Vancouver real estate. A relatively small down payment, low mortgage rates, rising property values - and suddenly people saw their net worth increase by hundreds of thousands of dollars.

For years, real estate almost felt “low risk.”

But today, the conversations are changing.

People who bought investment properties recently are seeing something they were not emotionally prepared for:
- falling values
- negative cash flow
- higher interest costs
- difficult tenants
- expensive strata levies
- uncertainty

And suddenly many people are asking a question they never seriously asked before:

“How do investments actually work?”

Not because they suddenly became passionate about the stock market.
But because they are realizing that having all of their wealth tied to real estate may not feel as safe as it once did.

Now - I still strongly believe in home ownership.

A principal residence is not just a financial asset.
It is stability.
It is autonomy.
It is knowing nobody can decide not to renew your lease.
It is planting a garden because it is yours.
It is entering retirement with housing costs that may eventually shrink to taxes, utilities, and maintenance instead of ever-rising rent.

That is very different from buying multiple properties purely as investments.

And this is where diversification matters.

If someone already owns a home and perhaps one investment property, adding more real estate is not always automatically the “safe” option anymore.

Because investment properties are not passive.
Being a landlord is work.
Repairs are expensive.
Special levies happen.
Vacancies happen.
Taxes matter.
And all your wealth may end up concentrated in one asset class, in one city, in one market.

That does not mean real estate is bad.
It simply means it is no longer the only path to building wealth.

And that is why more people are becoming curious about investment portfolios.

Not necessarily to “beat the market.”
Not to gamble.
Not to chase hot stocks.

But to create:
- monthly income
- flexibility
- diversification
- tax efficiency
- and long-term financial stability

A well-designed investment portfolio should have a purpose and a strategy behind it.

And unlike real estate, if life changes and you suddenly need access to part of your money, you do not need to refinance a property or sell a condo to access your own funds.

The truth is - both real estate and investments carry risk.

The important part is understanding:
- what kind of risk you are taking
- why you are taking it
- and whether your entire financial future depends on a single strategy continuing to work forever.

The conversations around wealth in Vancouver are changing.

And honestly?
I think that is a very healthy thing.

Marina

This information has been prepared by Marina Najian who is a Wealth Advisor for iA Private Wealth Inc. and does not necessarily reflect the opinion of iA Private Wealth. The information contained in this post comes from sources we believe reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any of the securities mentioned. The information contained herein may not apply to all types of investors. iA Private Wealth Inc. is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization. iA Private Wealth is a trademark and a business name under which iA Private Wealth Inc. operates.

Today we spent a day in Marseille and said good bye to French Riviera. One big crossing off my bucket list - a visit to ...
05/07/2026

Today we spent a day in Marseille and said good bye to French Riviera. One big crossing off my bucket list - a visit to Chateau d’If. Here are some facts regarding me and A.Dumas - I read every book written by him, I can not even remember how many times I re-read The Count of Monte Cristo, I have The Three Musketeers half finished on my night table (a re-read of cause). So, as you see, it was a big destination for me. But besides Dumas and Chateau - Marseille had the biggest offering by far from all the places we visited on this trip. One day was great. But it is one of those cities I can imagine coming and staying for a while. Not just to take time sightseeing, but also just be.

A day spent driving along French Rivera. Brief stop at Cannes to see city getting ready for next festival (starting May ...
05/06/2026

A day spent driving along French Rivera. Brief stop at Cannes to see city getting ready for next festival (starting May 12th). The building is the where red carpet will be rolled out. The rest of the day are just couples beautiful vistas.

Hello again. This time from nice Nice (I had to do it !)😀 The drive to Nice was spectacular! Unreal! Anyone with a bucke...
05/04/2026

Hello again. This time from nice Nice (I had to do it !)😀 The drive to Nice was spectacular! Unreal! Anyone with a bucket list - add this drive to it. Nice was nice (haha, again 😉). We had a nice walk on promenade. Then we were planning to drive up a hill for panoramic views, buuuuuuuut - no, we walked it đŸ„”

A picture with a story. This is Carol. She is a French morel picker who regularly travels to Canada to pick morels. More...
05/03/2026

A picture with a story. This is Carol. She is a French morel picker who regularly travels to Canada to pick morels. Morels thrive in areas after forest fires. A year after the fire - the grounds are covered. She has been all over British Columbia. The picture is taken on a Sunday market in a small French alpine town Annecy.

Reporting from Dijon. Unfortunately arrived during holiday - May 1st - and the main “mustard store” was closed. But the ...
05/01/2026

Reporting from Dijon. Unfortunately arrived during holiday - May 1st - and the main “mustard store” was closed. But the rest of the day was fun. Had amazing meal - the picture is of my dessert: poached pear with cassis gelato. Now the explanation about the owl : the stone owl 🩉 on Owl Alley is supposed to bring you luck if touched with left hand. I did! Now I wait! đŸ€žđŸ»đŸ€

First day of the driving. First winery. Main stop - Chablis area.
04/30/2026

First day of the driving. First winery. Main stop - Chablis area.

Address

304-3053 Edgemont Boulevard
North Vancouver, BC
V7R2N5

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