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Peter Wouters

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

Recent Posts

RRSP contributions for working seniors

Investments, Personal Finance

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?

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The debt problem test

Helpful Tips, Insurance

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.

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5 Debt reduction ideas for the new year

Helpful Tips, Insurance

You went into the recent holiday season with your accumulated 2017 debt and you may have spent more than you should have. Now, you’re going head first into 2018 with even more debt.

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Life & Money Matters: Paying the price for post-secondary education

Investments, Personal Finance

 

At least 70% of new jobs require some form of post-secondary education or specialized training and the price of entry isn’t cheap. Post-secondary costs have steadily risen and continue to rise on a yearly basis.

In this installment of Life & Money Matters, Peter Wouters explores different strategies as well as factors to keep in mind  when saving for the cost of post-secondary education. 

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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, Investments, Personal Finance, Insurance

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, Investments, Personal Finance, Insurance

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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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