{"id":13736,"date":"2023-12-12T18:14:01","date_gmt":"2023-12-12T18:14:01","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?p=13736&#038;preview=true&#038;preview_id=13736"},"modified":"2026-02-18T10:51:39","modified_gmt":"2026-02-18T15:51:39","slug":"what-is-estate-planning","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning","title":{"rendered":"What Is Estate Planning?"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">What Is Estate Planning?<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2023-12-12T18:14:01-05:00\">December 12, 2023<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">8 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"RBC Insurance \">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">RBC Insurance <\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"An older couple looking at their notes\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg 2120w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?resize=1024,683 1024w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?resize=1536,1024 1536w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?resize=2048,1366 2048w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?resize=412,275 412w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=What Is Estate Planning? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Who should consider estate planning?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-who-should-consider-estate-planning\">Who should consider estate planning?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-why-is-estate-planning-important\">Why is estate planning important?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-3-benefits-of-estate-planning\">3 benefits of estate planning?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-you-should-consider-when-planning-your-estate\">What you should consider when planning your estate<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-should-you-consider-when-choosing-an-executors\">What should you consider when choosing an executor(s)?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-make-an-inventory-of-your-familys-assets-and-liabilities\">Make an inventory of your family&#039;s assets and liabilities<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-assess-your-financial-preparations\">Assess your financial preparations<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>As hard as it might be to talk about, estate planning is important if you want the satisfaction of knowing that your future and that of your family are taken care of.<\/p>\n\n\n\n<p>Estate planning is when you create legal documents that lay out your instructions so your friends and family can follow your wishes in the event you&#8217;re unable to make decisions for yourself or upon your death. It can prevent family conflict from brewing and ensure your property, money, and treasured items are distributed exactly how you wish.<\/p>\n\n\n\n<p>Your estate is one of your greatest legacies to your loved ones, after all. Estate planning allows you to protect the wealth you&#8217;ve accumulated over your lifetime while helping you better secure your family&#8217;s financial future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Key Takeaways:<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Everyone should consider will and estate planning, whether they&#8217;re a young adult just starting their career or a retiree.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">Creating an estate plan can help preserve your hard-earned wealth and ensure your wishes will be carried out after you&#8217;ve died.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Estate planning could help your beneficiaries avoid taxes, delays, and out-of-pocket costs.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>By defining how you want your assets to be distributed, you can prevent future disputes or conflicts among your loved ones.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Enlist a team of qualified professionals to support you in navigating the complexities of planning your estate.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-should-consider-estate-planning\">Who should consider estate planning?<\/h2>\n\n\n\n<p>No matter how old you are or how much money you have, you should consider estate planning. Talking about your financial assets and future wishes can feel awkward, but addressing these issues<em>&nbsp;now<\/em>&nbsp;can help you feel more confident about your future and ultimately the legacy you&#8217;ll leave to your loved ones.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-estate-planning-important\">Why is estate planning important?<\/h2>\n\n\n\n<p>First, estate planning makes sure your hard-earned money goes to the people and causes you care about. Second, having a plan can also ensure the taxes on your estate are properly managed so your family or named beneficiaries get their assets faster and via a less stressful process. Third, it ensures your wishes\u2014from the plan for a dependant to your funeral arrangements\u2014are followed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-can-help-you-plan-your-estate\"><a><\/a>Who can help you plan your estate?<\/h2>\n\n\n\n<p>Estate planning involves details specific to your financial situation, so you&#8217;ll want to meet with the right professionals to help you figure it all out. You can enlist a will and estate planner, a lawyer, and an accountant to help you create the suite of documents you need.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-benefits-of-estate-planning\">3 benefits of estate planning?<\/h2>\n\n\n\n<p>You&#8217;ve probably heard nightmarish stories about estates getting held up in court for years or family dramas that ensued after the funeral. That&#8217;s the last thing you want your loved ones to deal with when you pass away. By planning your estate, you&#8217;re helping to:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Preserve your capital<\/h3>\n\n\n\n<p>If you&#8217;re able to protect your estate from additional taxes, more of your assets can end up where you want them\u2014with your named beneficiaries or donated to causes you care about. Estate planning can help make sure your assets are not held up in the settlement process or affected by fees that your family may have to pay out-of-pocket to settle once you&#8217;re gone.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>2. Bypass probate<\/h3>\n\n\n\n<p>You don&#8217;t want your estate to get stuck in limbo in the court system during the probate process. You can work with your estate-planning team to structure your assets in a tax-efficient way. Certain assets in your estate, such as <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/retirement\/segregated-funds\/\">segregated funds<\/a>, may be able to bypass probate (the process by which a court formally approves a will as the valid and last testament of the deceased person) so your beneficiaries can get their payout faster and decrease or avoid the cost of probate fees and taxes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-protect-relationships\"><a><\/a>3. Protect relationships<\/h3>\n\n\n\n<p>Nobody wants the settlement of their estate to cause fighting among their loved ones or their family&#8217;s financial matters to be made public. By having segregated funds as part of your portfolio, you may be able to keep your named beneficiaries and your estate information more of a private matter and make sure the proceeds are paid quickly and directly to your chosen beneficiaries. Structuring your wealth distribution\u2014by, for example, putting some money in a trust, delaying the transfer of wealth, or providing a gradual payout over time\u2014can also help ensure that beneficiaries receive a more enduring inheritance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-you-should-consider-when-planning-your-estate\">What you should consider when planning your estate<\/h2>\n\n\n\n<p>People typically think estate planning only involves creating or updating their will. While a will\u2014 the guiding legal document in the administration of an estate\u2014is critical, there are lots of other components to consider.<\/p>\n\n\n\n<p>First, you need to decide which professionals you want to work with to create your estate plan, and then you have to create a list of your assets before you decide how you&#8217;d like them to be distributed when you&#8217;re gone. Here are a few things you&#8217;ll want to do first.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-gather-important-documents-and-information-and-keep-them-in-a-centralized-file\"><a><\/a>Gather important documents and information and keep them in a centralized file<\/h3>\n\n\n\n<p>Begin organizing your documents to make assessing your wealth, assets, and debt easier and faster. You&#8217;ll need the following to get started:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Birth certificate<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default\">Marriage certificate(s)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Social insurance number<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Real estate deeds<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Will and powers of attorney for property and personal care<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Safety deposit box information<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Contact information for your executors and named beneficiaries (called an estate trustee in Ontario and a liquidator in Quebec), advisors, lawyers, and accountants<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Prepare or re-evaluate your wills<\/h3>\n\n\n\n<p>There are many reasons to write or update your will, but for most people it usually involves some kind of life change. If you have a child or dependants, get married, buy property, or experience a health scare, it might be time to think about what you want for the future.<\/p>\n\n\n\n<p>Take the time to prepare, review, or update your will(s) to ensure it reflects your current wishes. When you update your will, you should also consider appointing powers of attorney (both for personal care and property). A power of attorney is someone you choose to take over your personal affairs if you become unable to manage your estate or personal care. You will also need to consider who will manage and settle your estate after you pass away.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-should-you-consider-when-choosing-an-executors\">What should you consider when choosing an executor(s)?<\/h2>\n\n\n\n<p>Choosing an executor is a big decision and the role is a huge responsibility to put on a loved one. Your executor is in charge of settling your estate according to your wishes once you&#8217;re deceased, and the sheer volume of legal, tax, and administrative tasks can be overwhelming. Consider that some complex estates can take years to settle and there can be more than 70 individual tasks involved.<\/p>\n\n\n\n<p>Before you choose an executor, there are a few things to think about:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Consider your family dynamic when choosing a spouse, child, or sibling. Many of the tasks will have to take place while the executor is still grieving.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default\">Consider the age and health of your executor and whether they&#8217;re likely to survive you.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Choose someone who is able to handle complex tax, legal, and administrative tasks and has the time to put in the work over what could be a few months or longer.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Ask your executor before naming them in your will to ensure they are willing and able to help you manage your estate.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Keep in mind that you can also choose a trust company, a lawyer, or an accountant to be your executor if you don&#8217;t want to burden your loved ones with a complex task.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-make-an-inventory-of-your-familys-assets-and-liabilities\">Make an inventory of your family&#8217;s assets and liabilities<\/h2>\n\n\n\n<p>Before you can decide where your assets (and liabilities, like debts) will go when you die, you need to know what you have.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Create a thorough list of your assets:<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>List your physical assets, like real estate, personal property (like jewelry and art), insurance policies, bank accounts, investments, and pensions.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default\">Assess the ownership structure of your assets and what the taxable or legal impact may be of joint versus individually owned.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-make-a-list-of-your-liabilities\"><a><\/a>Make a list of your liabilities:<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>This includes debts such as mortgages, credit card debt, personal loans, and unpaid taxes.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-assess-your-financial-preparations\">Assess your financial preparations<\/h2>\n\n\n\n<p>Now that you&#8217;ve looked through your assets and liabilities, it&#8217;s time to consider where you&#8217;re at.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Review your pension(s) and investments to ensure they meet your financial goals.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default\">Consider your insurance coverage (from life to property) to ensure the amount and type of insurance will cover final expenses and any ongoing needs of your family.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default\">You can even arrange a prepaid funeral\u2014if you can wrap your head around it. Not only does it alleviate some immediate stress after your death, it can also reduce the financial burden of funeral costs.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-review-your-beneficiary-designations\">Review your beneficiary designations<\/h3>\n\n\n\n<p>You can choose to name your beneficiaries either as revocable or irrevocable. Revocable means you can change the named beneficiary at any time. Most insurance policies use revocable beneficiaries.<\/p>\n\n\n\n<p>Irrevocable means you need the consent of the named beneficiaries to make the change after they&#8217;ve been written into your will or designated on an insurance or segregated fund policy. An irrevocable beneficiary is more ironclad.<\/p>\n\n\n\n<p>Estate planning doesn&#8217;t have to be a big, scary undertaking. The process can actually help you feel more secure about the future and give you comfort that you&#8217;re continuing to help support your family and loved ones after you&#8217;re gone.<\/p>\n\n\n\n<p>Speak with an advisor today to learn more about how RBC Insurance can help be a part of your estate planning to protect your financial future and those of your loved ones.<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-retirement-investment-solutions\">RBC Retirement Investment Solutions<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Whether you\u2019re building up your nest egg or ready to turn your hard-earned savings into retirement income, our solutions can help you make the most of your money. Have an RBC Insurance Advisor call you to learn more.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button has-custom-font-size aligncenter btn is-style-primary primary has-text-lg-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/retirement\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-290-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Request a Call-https:\/\/silver.rbcinsurance.com\/request-a-call\/retirement\/index.html \">Request a Call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-1102a545-a01d-4731-86bf-9e69532aee72 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-1102a545-a01d-4731-86bf-9e69532aee72 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-1102a545-a01d-4731-86bf-9e69532aee72\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-Retirement-6922-2de7ba0a\" data-dig-category=\"LP-Retirement\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. RBC Guaranteed Investment Funds are individual variable annuity contracts and are referred to as segregated funds. RBC Life Insurance Company is the sole issuer and guarantor of the guarantee provisions contained in these contracts. The underlying mutual funds and portfolios available in these contracts are managed by RBC Global Asset Management Inc. When clients deposit money in an RBC Guaranteed Investment Funds contract, they are not buying units of the mutual fund or portfolio managed by RBC Global Asset Management Inc. and therefore do not possess any of the rights and privileges of the unitholders of such funds. Details of the applicable Contract are contained in the RBC GIF Information Folder and Contract at <a href=\"http:\/\/silver.rbcinsurance.com\/gif\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-Retirement-7119-fbaed486\" data-dig-label=\"silver.rbcinsurance.com\/gif\" data-dig-action=\"link click\" data-dig-category=\"LP-Retirement\" class=\"rbc-link-format\">silver.rbcinsurance.com\/gif<\/a>.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Estate planning allows you to protect the wealth you&#8217;ve accumulated over your lifetime while helping you better secure your family&#8217;s financial future.<\/p>\n","protected":false},"author":109,"featured_media":13738,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[43],"tags":[21,15],"article-type":[80],"ppma_author":[],"class_list":["post-13736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement","tag-managing-money","tag-personal-finance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is Estate Planning? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Estate planning allows you to protect the wealth you&#039;ve accumulated over your lifetime while helping you better secure your family&#039;s financial future.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Estate Planning? | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"Estate planning allows you to protect the wealth you&#039;ve accumulated over your lifetime while helping you better secure your family&#039;s financial future.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Insurance\" \/>\n<meta property=\"article:author\" content=\"RBC Insurance\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-12T18:14:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-18T15:51:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"2120\" \/>\n\t<meta property=\"og:image:height\" content=\"1414\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"What Is Estate Planning? | RBC Insurance\" \/>\n<meta name=\"twitter:description\" content=\"Estate planning allows you to protect the wealth you&#039;ve accumulated over your lifetime while helping you better secure your family&#039;s financial future.\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"RBC Insurance \" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"27 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/retirement\\\/what-is-estate-planning\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/retirement\\\/what-is-estate-planning\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"What Is Estate Planning?\",\"datePublished\":\"2023-12-12T18:14:01+00:00\",\"dateModified\":\"2026-02-18T15:51:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/retirement\\\/what-is-estate-planning\\\/\"},\"wordCount\":1581,\"publisher\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/retirement\\\/what-is-estate-planning\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2023\\\/12\\\/What_is_estate_planning.jpg?quality=80\",\"keywords\":[\"Managing Money\",\"Personal Finance\"],\"articleSection\":[\"Retirement\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/retirement\\\/what-is-estate-planning\\\/\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/retirement\\\/what-is-estate-planning\\\/\",\"name\":\"What Is Estate Planning? | RBC Insurance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/retirement\\\/what-is-estate-planning\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/retirement\\\/what-is-estate-planning\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2023\\\/12\\\/What_is_estate_planning.jpg?quality=80\",\"datePublished\":\"2023-12-12T18:14:01+00:00\",\"dateModified\":\"2026-02-18T15:51:39+00:00\",\"description\":\"Estate planning allows you to protect the wealth you've accumulated over your lifetime while helping you better secure your family's financial future.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/retirement\\\/what-is-estate-planning\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/retirement\\\/what-is-estate-planning\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/retirement\\\/what-is-estate-planning\\\/#primaryimage\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2023\\\/12\\\/What_is_estate_planning.jpg?quality=80\",\"contentUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2023\\\/12\\\/What_is_estate_planning.jpg?quality=80\",\"width\":2120,\"height\":1414,\"caption\":\"Smiling senior couple calculate expenses or planning budget together, reading notification letter with good news from bank , retired family husband and wife paying bills online on laptop\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/retirement\\\/what-is-estate-planning\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Advice &amp; Learning\",\"item\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/article-type\\\/advice-learning\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"What Is Estate Planning?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#website\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/\",\"name\":\"RBC Insurance\",\"description\":\"Personal Insurance\",\"publisher\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#organization\",\"name\":\"RBC Insurance\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/rbc-logo-shield.svg?quality=80&w=1024\",\"contentUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/rbc-logo-shield.svg?quality=80&w=1024\",\"width\":\"1024\",\"height\":\"1024\",\"caption\":\"RBC Insurance\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"description\":\"RBC Insurance offers personal insurance such as car, home, life, health, travel and creditor insurance, plus retirement investment solutions to Canadians.\",\"telephone\":\"1-800-769-2568\",\"legalName\":\"RBC Insurance Services Inc.\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"1001\",\"maxValue\":\"5000\"}},{\"@type\":\"Person\",\"@id\":\"\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"What Is Estate Planning? | RBC Insurance","description":"Estate planning allows you to protect the wealth you've accumulated over your lifetime while helping you better secure your family's financial future.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/","og_locale":"en_US","og_type":"article","og_title":"What Is Estate Planning? | RBC Insurance","og_description":"Estate planning allows you to protect the wealth you've accumulated over your lifetime while helping you better secure your family's financial future.","og_url":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/","og_site_name":"RBC Insurance","article_author":"RBC Insurance","article_published_time":"2023-12-12T18:14:01+00:00","article_modified_time":"2026-02-18T15:51:39+00:00","og_image":[{"width":2120,"height":1414,"url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?quality=80","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_title":"What Is Estate Planning? | RBC Insurance","twitter_description":"Estate planning allows you to protect the wealth you've accumulated over your lifetime while helping you better secure your family's financial future.","twitter_misc":{"Written by":"RBC Insurance ","Est. reading time":"27 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/#article","isPartOf":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/"},"author":{"name":"","@id":""},"headline":"What Is Estate Planning?","datePublished":"2023-12-12T18:14:01+00:00","dateModified":"2026-02-18T15:51:39+00:00","mainEntityOfPage":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/"},"wordCount":1581,"publisher":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#organization"},"image":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/#primaryimage"},"thumbnailUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?quality=80","keywords":["Managing Money","Personal Finance"],"articleSection":["Retirement"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/","name":"What Is Estate Planning? | RBC Insurance","isPartOf":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/#primaryimage"},"image":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/#primaryimage"},"thumbnailUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?quality=80","datePublished":"2023-12-12T18:14:01+00:00","dateModified":"2026-02-18T15:51:39+00:00","description":"Estate planning allows you to protect the wealth you've accumulated over your lifetime while helping you better secure your family's financial future.","breadcrumb":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/#primaryimage","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?quality=80","contentUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?quality=80","width":2120,"height":1414,"caption":"Smiling senior couple calculate expenses or planning budget together, reading notification letter with good news from bank , retired family husband and wife paying bills online on laptop"},{"@type":"BreadcrumbList","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/silver.rbcinsurance.com\/en-ca\/"},{"@type":"ListItem","position":2,"name":"Advice &amp; Learning","item":"https:\/\/silver.rbcinsurance.com\/en-ca\/article-type\/advice-learning\/"},{"@type":"ListItem","position":3,"name":"What Is Estate Planning?"}]},{"@type":"WebSite","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#website","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/","name":"RBC Insurance","description":"Personal Insurance","publisher":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/silver.rbcinsurance.com\/en-ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#organization","name":"RBC Insurance","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#\/schema\/logo\/image\/","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/rbc-logo-shield.svg?quality=80&w=1024","contentUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/rbc-logo-shield.svg?quality=80&w=1024","width":"1024","height":"1024","caption":"RBC Insurance"},"image":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#\/schema\/logo\/image\/"},"description":"RBC Insurance offers personal insurance such as car, home, life, health, travel and creditor insurance, plus retirement investment solutions to Canadians.","telephone":"1-800-769-2568","legalName":"RBC Insurance Services Inc.","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1001","maxValue":"5000"}},{"@type":"Person","@id":""}]}},"jetpack_featured_media_url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/12\/What_is_estate_planning.jpg?quality=80","jetpack_sharing_enabled":true,"authors":[],"_links":{"self":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/13736","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/users\/109"}],"replies":[{"embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/comments?post=13736"}],"version-history":[{"count":13,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/13736\/revisions"}],"predecessor-version":[{"id":33919,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/13736\/revisions\/33919"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/media\/13738"}],"wp:attachment":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/media?parent=13736"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/categories?post=13736"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/tags?post=13736"},{"taxonomy":"article-type","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/article-type?post=13736"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/ppma_author?post=13736"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}