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Peter Wouters

Directeur, Planification fiscale et successorale et planification de la retraite, Gestion de patrimoine
Placements Empire Vie

Recent Posts

Financial tips for your younger self

Investments, Personal Finance

Do you ever wish you could talk to your younger self about lessons you've learned, more than a few of them the hard way? There are the mishaps you could have avoided, the errors in judgement you could have missed and the regrets you wouldn't hold. How much better would you feel now if you could turn the clock back? And that includes the extra money you would have to fund the better lifestyle you could look forward to in the decades ahead. Let's consider some financial tips.

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Common cash flow problems facing small business owners

Investments, Personal Finance

I’ve written about the debt problem and cash flow management as they relate to individuals. What if those individuals are business owners? Some of the issues and habits that cripple individuals from effectively managing their personal cash flow are the same for business owners. 

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4 Fixes for common budgeting mistakes

Helpful Tips, Insurance, Investments, Personal Finance

Post-holiday debt- A familiar word to many Canadians after weeks of shopping, eating  and celebrating the season with loved ones. It’s only after the damage is done that we begin to think about proper budgeting. If you are having budgeting problems, you may be doing it wrong. Check out these four common budgeting mistakes that can help you get on the right track for the holidays.

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Saving money. It's about balance.

Helpful Tips, Insurance, Investments, Personal Finance

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Debt and cash flow management tips

Investments, Personal Finance

I've written a number of articles on debt. It may not be a popular topic but it is a top concern amongst working Canadians. A recent report entitled; Generation Why!, focused on the top concerns expressed by Millennials. Not surprisingly, 3 out of 10 Millennials said that paying down debt is their greatest financial concern1.

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Life & Money Matters: Getting a Grip on Excessive Debt

Investments, Personal Finance

A decade or more of low interest rates has accelerated the habit of supporting lifestyles with credit instead of cash flow resulting in historically high debt levels for Canadian households.

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Paying down debt: a great investment

Investments, Personal Finance

The world seems to revolve around credit cards and getting loyalty points.

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Getting a Grip on Excessive Debt

Investments, Personal Finance

Debt used to be a four letter word. Now it’s just a word. Is it good debt or bad debt? What can you do to get a better grip on your spending and redirect money to grow your investable assets?

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Millennials and Retirement

Investments, Personal Finance

In my last article, I wrote about Age, Gender and Retirement Perspectives. The opinion of retirees and older workers alike is that millennials may have a better chance to control their future when it comes to saving money for their future lifestyles. Let's take a closer look at that and consider the millennial perspective.

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Age, Gender and Retirement Perspectives

Investments, Personal Finance

Do you think that retirement for you and future generations will be significantly different than it is for current retirees? If you say, “yes”, you’re not alone. Most consumers anticipate meaningful differences. Thoughts, expectations, confidence and planning do differ when considering age and gender. Here are some recent findings shared with permission from the LIMRA Secure Retirement Institute. If the Shoe Fits: Generational Names and Retirement Attitudes, 2017.

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