---
title: Empire Life Blog Empire Life Blog | Peter Wouters (4)
description: "<div class=\"bio-fr\">Directeur, Planification fiscale et successorale et planification de la retraite, Gestion de patrimoine<br/>Placements Empire Vie</div> (4)"
---

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# Insurance, Investments and Group Benefits

## Navigate life with confidenceTM

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## Peter Wouters

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

### Recent Posts

## [Life & Money Matters: Safeguarding against elder financial abuse](https://blog.empirelife.ca/blog/safeguarding-against-elder-financial-abuse)

[Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance)

[![Life & Money Matters: Safeguarding against elder financial abuse](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/Safeguarding-against-financial-elder-abuse-908130658-sm.jpg)](https://blog.empirelife.ca/blog/safeguarding-against-elder-financial-abuse)

 By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters)

 May 31, 2018, 8:00:00 AM

 

Did you know that financial abuse is the most common form of elder abuse in Canada?1 In this segment of Life & Money Matters video, Peter shares some of the signs of elder financial abuse and how to safeguard against it.

[Read More](https://blog.empirelife.ca/blog/safeguarding-against-elder-financial-abuse)

## [The financial stress of supporting adult children](https://blog.empirelife.ca/blog/probate-or-capital-gains-a-peril-of-joint-ownership-0)

[Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance)

[![The financial stress of supporting adult children](https://blog.empirelife.ca/hubfs/861222408-1.jpg)](https://blog.empirelife.ca/blog/probate-or-capital-gains-a-peril-of-joint-ownership-0)

 By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters)

 May 23, 2018, 3:40:50 PM

As Millenials graduate and seek employment, many parents still feel the burden of financially providing for their children. Studies found that more than *four* in ten Canadians say their top source of stress is money1. Specifically, nearly half of Canadian parents admit that supporting their adult children is causing them emotional and financial stress2.

[Read More](https://blog.empirelife.ca/blog/probate-or-capital-gains-a-peril-of-joint-ownership-0)

## [Probate or Capital Gains: a peril of joint ownership](https://blog.empirelife.ca/blog/probate-or-capital-gains-a-peril-of-joint-ownership)

[Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance)

[![Probate or Capital Gains: a peril of joint ownership](https://blog.empirelife.ca/hubfs/Probate%20vs%20Joint%20Ownership%20(2).png)](https://blog.empirelife.ca/blog/probate-or-capital-gains-a-peril-of-joint-ownership)

 By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters)

 May 8, 2018, 9:49:36 AM

 

People can go to great lengths to avoid probate costs, sometimes making them turn a blind eye to much bigger costs that can be created by passing assets outside of the estate. Let's take a look at a recent case concerning an elderly gentleman and his son. 

[Read More](https://blog.empirelife.ca/blog/probate-or-capital-gains-a-peril-of-joint-ownership)

## [Retirement plan and advisor...the "one-two punch"](https://blog.empirelife.ca/blog/retirement-plan-and-advisor-the-one-two-punch)

[Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance)

[![Retirement plan and advisor...the ](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/Retirement-advisor-1-2punch-540596948-950740-edited.jpg)](https://blog.empirelife.ca/blog/retirement-plan-and-advisor-the-one-two-punch)

 By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters)

 May 3, 2018, 8:45:00 AM

How secure do you feel about life after work? Even if work will continue to form part of the next phase in your life, how comfortable are you with your plans and savings for all those tomorrows? Will your plans work, even under adverse conditions? 

[Read More](https://blog.empirelife.ca/blog/retirement-plan-and-advisor-the-one-two-punch)

## [Don't miss out on these 5 tax credits](https://blog.empirelife.ca/blog/dont-miss-out-on-these-5-tax-credits)

[Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance)

[![Don't miss out on these 5 tax credits](https://blog.empirelife.ca/hubfs/Preview_Don's%20miss%20out%20on%20these%205%20tax%20credits.png)](https://blog.empirelife.ca/blog/dont-miss-out-on-these-5-tax-credits)

 By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters)

 May 1, 2018, 9:56:36 AM

It’s tax time again. You may be in the habit of completing your own tax return or having a professional do it for you. Either way, make sure you have the details and supporting documentation to get the most out of these five tax credits.

[Read More](https://blog.empirelife.ca/blog/dont-miss-out-on-these-5-tax-credits)

## [Managing Health and Death Risk in Retirement](https://blog.empirelife.ca/blog/managing-health-and-death-risk-in-retirement)

[Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance)

[![Managing Health and Death Risk in Retirement](https://blog.empirelife.ca/hubfs/Peter%20Wouters/March%202018/GettyImages-838566762.jpg)](https://blog.empirelife.ca/blog/managing-health-and-death-risk-in-retirement)

 By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters)

 Mar 20, 2018, 8:00:00 AM

When saving for retirement, you may get sick or have an accident, suffer a critical illness, require long term care or pass away. These factors should be considered when looking at savings and spending during retirement. Contingency planning plays a key role in comprehensive retirement income planning.

[Read More](https://blog.empirelife.ca/blog/managing-health-and-death-risk-in-retirement)

## [Where are you in your retirement life–cycle?](https://blog.empirelife.ca/blog/where-are-you-in-your-retirement-life-cycle)

[Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance)

[![Where are you in your retirement life–cycle?](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/Retirement%20Lifecycle-GettyImages-541006884.jpg)](https://blog.empirelife.ca/blog/where-are-you-in-your-retirement-life-cycle)

 By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters)

 Mar 1, 2018, 1:30:00 PM

I have been seeing more and more of my friends retire over the last couple of years. As prepared as some thought they were about leaving their work behind, six months or so later, they found themselves struggling with what their version of the next phase of their life and themselves would look like.

[Read More](https://blog.empirelife.ca/blog/where-are-you-in-your-retirement-life-cycle)

## [Worried about taxes at death?](https://blog.empirelife.ca/blog/worried-about-taxes-at-death)

[Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance)

[![Worried about taxes at death?](https://blog.empirelife.ca/hubfs/Peter%20Wouters/February%202018/GettyImages-886739404.jpg)](https://blog.empirelife.ca/blog/worried-about-taxes-at-death)

 By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters)

 Feb 27, 2018, 3:19:47 PM

**What's the biggest cheque you or your estate will ever write? When do you think that might happen?**

[Read More](https://blog.empirelife.ca/blog/worried-about-taxes-at-death)

## [RRSP contributions for working seniors](https://blog.empirelife.ca/blog/rrsp-contributions-for-working-seniors)

[Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance)

[![RRSP contributions for working seniors](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/RRSP-Contributions-For-Working-Seniors.jpg)](https://blog.empirelife.ca/blog/rrsp-contributions-for-working-seniors)

 By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters)

 Feb 15, 2018, 10:30:00 AM

Stan is turning 71 this year. He is enjoying a life filled with travel, relaxation and time with his family. Like more and more people, work is still very much a part of his life. Stan expects to work at least part-time for the foreseeable future. To Stan, this keeps his mind active and helps define who he is. He would like the opportunity to claim Registered Retirement Savings Plan (RRSP) deductions after age 71 even though he knows he must mature his own plan by the end of the year he turns age 71. What are his options?

[Read More](https://blog.empirelife.ca/blog/rrsp-contributions-for-working-seniors)

## [The debt problem test](https://blog.empirelife.ca/blog/the-debt-problem-test)

[Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance)

[![The debt problem test](https://blog.empirelife.ca/hubfs/Peter%20Wouters/January%202018/GettyImages-579749396-1.jpg)](https://blog.empirelife.ca/blog/the-debt-problem-test)

 By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters)

 Jan 30, 2018, 10:45:33 AM

Do you have an issue with debt? Take a moment to answer these 13 questions and start a frank self-assessment of your money management habits.

[Read More](https://blog.empirelife.ca/blog/the-debt-problem-test)

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