Siamak "Mak" Namazee CFP PFP - Financial Planner, RBC Financial Planning

04/14/2026

Why invest abroad? You can gain exposure to sectors that are underrepresented in your home country and diversify your sources of returns.

04/02/2026

You can preserve family harmony and your wishes for your estate with careful planning and open conversations. Here are five tips to help avoid family conflict.

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03/25/2026

Canadian homebuyers get cold feet, sellers out in force in January.

Last month was the second weakest start to a year since the global financial crisis with home resales falling 5.8% from December, and a steep 16.2% from January 2025.

03/20/2026

Did you know 97% of investment opportunities exist outside of Canada? This article from RBC GAM includes a short questionnaire to help you see where you hold your wealth.

02/20/2026

BC’s property tax deferral program is a powerful tool for seniors — but recent interest changes have a much bigger long-term impact than most people realize.

Here’s a simple example based on a typical homeowner:
• Starting property tax: $3,000
• Increases: 2% per year
• Time horizon: 20 years
Total property taxes billed over that period: ≈ $73,000

Now compare the financing cost of deferring those taxes:

Old structure (Prime – 2%, simple interest)
Total cost ≈ $95,900

New structure (Prime + 2%, compounded monthly)
Total cost ≈ $145,000
➡️ That’s ~$50,000 more paid — on the exact same taxes.

The difference isn’t just the rate.
It’s the shift from simple interest to monthly compounding.

Over long periods, compounding dramatically increases the cost of carrying deferred taxes — which can materially affect:

• Estate values
• Retirement cash flow
• Decisions around downsizing or accessing home equity

For BC homeowners and their families, this is no longer a small technical detail — it’s a major planning consideration. If you are using (or considering) the BC property tax deferral program, it’s worth revisiting the strategy under the new interest structure.
The math matters more than ever.

Assumptions: constant interest rates for illustration, new deferrals only, and 2% annual property tax increases. Actual outcomes will vary based on changes to prime rate, existing deferred balances under prior terms, and individual eligibility limits.

01/29/2026

With marriage comes great financial opportunities. A financial planner can help you and your spouse set a plan for the future, as a couple.

While you might not always see eye to eye, you and your spouse can head in the same direction with a plan that works for both of you. An RBC Financial Planner can help.

01/13/2026

Exiting your business can be a tough and emotional decision. A financial planner can work with you and your other advisors to create a way forward.

Deciding when and how to exit your business can be a tough and emotional decision. An RBC Financial Planner can work with you and your other advisors to create a way forward.

12/30/2025

Just like going to school, there’s some learning involved on how to use RESPs effectively. Here’s how you can use them.

Here are 9 things you need to know about RESPs.

12/09/2025

While we all deserve to treat ourselves every now and then, we don’t want to hurt ourselves financially. Here why investing is one of the best gifts you can give yourself.

If there's a gift that keeps on giving, investing may very well be it. Here are five reasons why.

12/02/2025

Babies are cute—but let’s face it, they’re expensive too. Your financial planner can help you manage your changing financial picture.

Babies are cute, but let’s face it, they’re expensive too. An RBC Financial Planner can help you manage your changing financial picture.

11/25/2025

When interest rates are high, deciding whether to pay off your mortgage or invest into cash reserves can be challenging. A financial planner can help you make the best move to build your future net worth faster.

While saving for retirement and reducing mortgage debt will both increase your net worth, the right choice can put you further ahead. An RBC Financial Planner can help you make the best move.