Retirement Income Planning For
Financially Successful People 55+ Who Are Retiring Soon
Retirement Income Planning For
Financially Successful People 55+ Who Are Retiring Soon
Retirement Income Planning, Calgary
On a scale of 1-10 how do you feel about your financial house and your readiness for the future? Would you like to have your total financial house in order and retire confidently with a clear plan to enjoy your ideal lifestyle? Our proven process can make it a 10. We are a husband and wife team and we only work with clients 55+ who are getting ready to retire soon and want to get organized and ready to enjoy life.
Who We Work With & How We Help
Creating A Financial Roadmap For Retirement
Are you a financially successful person age 55+ who wants to retire soon? Are you feeling frustrated with the lack of advice & planning you are getting from your current advisor? Want to know how much you can afford to spend to achieve your ideal retirement and not run out later? We believe that all successful retirements are built on the foundation of an unbiased Retirement Income Plan. Many advisors can manage your money, but not help you get your financial house in order and keep it that way forever. Our curated planning process will…
Our Ideal Client Community Profile
All-inclusive Ideal Client Community We enjoy working with people with whom we have similar values so, we created our exclusive, All-Inclusive Client Community. We value hard work, living life on purpose, being generous with our time and money, spending time with family, travelling, living a healthy lifestyle, and building and preserving generational wealth. With aligned values, we are a community of people with whom we have a mutually respectful and beneficial long-term relationship. This service model is for you if you prefer to delegate the implementation of your plan and the…
Resources for Retirees
Just search the web and you will find some horror stories about travel insurance. If you're traveling outside of Canada in the next little while make sure you understand what you have for Travel Insurance. Here's a couple of tips: 1. ) Check your coverage. If you are depending on the coverage through your Credit Card or group plan at work read the fine print. There are limitations to this coverage, especially with the maximum days per trip you will be covered. 2. ) Make sure you have the Travel Card with you or the policy number along with the 1-800 number so that you…
My wife and I realized a long time ago the value of a financial planner over just a bank representative. We just felt like a number to the banks as every year it seemed we saw a different adviser with a different view. But finding a trusted, knowledgeable and personable financial planner took a lot… Read More
My wife and I realized a long time ago the value of a financial planner over just a bank representative. We just felt like a number to the banks as every year it seemed we saw a different adviser with a different view. But finding a trusted, knowledgeable and personable financial planner took a lot of time and effort. It just seemed, so many large corporate Financial Planners were more concerned about what they could make off of us rather than what they could make for us. What we wanted, was not just reasonable returns now, but good personal advice in our preparation for retirement and what happens when retirement actually arrives. We wanted someone who would be walking with us, guiding us on our way to retirement. From the first time, we found the web site for Langford Financial Inc, we could see the knowledge of Willis and Nancy and a real effort to educate and pass on their knowledge through seminars, workshops and their personal service. Once I reached out through their web site for more information, Willis was quick to respond, offering and giving whatever information I was looking for and never was there pressure to commit to anything. The feeling of comfort and ease when talking with Willis was inviting enough for us to want to meet with Willis and Nancy, just to see firsthand if there was a connection and what working with them would look like. And when we did meet for the first time, that feeling of comfort and ease was very evident. It was a unique experience for us to be able to sit down and get to know a financial planner (or a team of both Willis and Nancy) and not have any sales pressure on us. Just getting to know Willis and Nancy was important for us. We needed to be comfortable with them and see their competence in the business, and it was obvious that Willis and Nancy wanted to know us better so they could know how best to help us. Once we decided to move our accounts over to Langford Financial, we found their process was comforting and refreshing as Willis and Nancy first worked at evaluating our complete situation. They dug down to get a complete picture of where we were at, where we wanted to be and how to get there. This took some reflection on our part but once we saw how they put it all together in our “Financial House In Order” binder, we were confident we made the right decision to go with Langford Financial. Since the time we started working with Willis and Nancy I have attended many of their seminars and can say the information they have been teaching has been amazing. Always relevant, and consistent with their desire to help those coming up to retirement, and covering so many different situations as everyone has a different life situation. I know more than one of the tax-saving strategies they taught at their seminars will work for my wife and I, so we are very happy about that. We would definitely recommend Langford Financial, not just for all your retirement planning needs, but they have great ideas on savings for your grandchildren too! Paul and Elaine Radder <<< Less
My wife and I realized a long time ago the value of a financial planner over just a bank representative. We just felt like a number to the banks as every year it seemed we. . . Read More
My wife and I realized a long time ago the value of a financial planner over just a bank representative. We just felt like a number to the banks as every year it seemed we saw a different adviser with a different view. But finding a trusted, knowledgeable and personable financial planner took a lot of time and effort. It just seemed, so many large corporate Financial Planners were more concerned about what they could make off of us rather than what they could make for us. What we wanted, was not just reasonable returns now, but good personal advice in our preparation for retirement and what happens when retirement actually arrives. We wanted someone who would be walking with us, guiding us on our way to retirement. From the first time, we found the web site for Langford Financial Inc, we could see the knowledge of Willis and Nancy and a real effort to educate and pass on their knowledge through seminars, workshops and their personal service. Once I reached out through their web site for more information, Willis was quick to respond, offering and giving whatever information I was looking for and never was there pressure to commit to anything. The feeling of comfort and ease when talking with Willis was inviting enough for us to want to meet with Willis and Nancy, just to see firsthand if there was a connection and what working with them would look like. And when we did meet for the first time, that feeling of comfort and ease was very evident. It was a unique experience for us to be able to sit down and get to know a financial planner (or a team of both Willis and Nancy) and not have any sales pressure on us. Just getting to know Willis and Nancy was important for us. We needed to be comfortable with them and see their competence in the business, and it was obvious that Willis and Nancy wanted to know us better so they could know how best to help us. Once we decided to move our accounts over to Langford Financial, we found their process was comforting and refreshing as Willis and Nancy first worked at evaluating our complete situation. They dug down to get a complete picture of where we were at, where we wanted to be and how to get there. This took some reflection on our part but once we saw how they put it all together in our “Financial House In Order” binder, we were confident we made the right decision to go with Langford Financial. Since the time we started working with Willis and Nancy I have attended many of their seminars and can say the information they have been teaching has been amazing. Always relevant, and consistent with their desire to help those coming up to retirement, and covering so many different situations as everyone has a different life situation. I know more than one of the tax-saving strategies they taught at their seminars will work for my wife and I, so we are very happy about that. We would definitely recommend Langford Financial, not just for all your retirement planning needs, but they have great ideas on savings for your grandchildren too! Paul and Elaine Radder
Paul & Elaine Radder
Long-term Clients
We contacted Willis and Nancy for advice about our retirement planning. We were looking for answers to specific questions regarding when was the best time to take our CPP and OAS and in what order to draw down assets. Willis was able to answer these questions and provide us with an overall strategy… Read More
We contacted Willis and Nancy for advice about our retirement planning. We were looking for answers to specific questions regarding when was the best time to take our CPP and OAS and in what order to draw down assets. Willis was able to answer these questions and provide us with an overall strategy for managing our retirement income. He was knowledgeable and we felt like his advice was specific to our needs, it wasn’t a cookie-cutter, one size fits all approach. We especially appreciated that this was a fee for service and there was no pressure to purchase a product. The fee was clearly explained upfront and there were no surprises. We felt that we received good value for money and feel more confident about our plans for our financial future. <<< Less
We contacted Willis and Nancy for advice about our retirement planning. We were looking for answers to specific questions regarding when was the best time to take our CPP and. . . Read More
We contacted Willis and Nancy for advice about our retirement planning. We were looking for answers to specific questions regarding when was the best time to take our CPP and OAS and in what order to draw down assets. Willis was able to answer these questions and provide us with an overall strategy for managing our retirement income. He was knowledgeable and we felt like his advice was specific to our needs, it wasn’t a cookie-cutter, one size fits all approach. We especially appreciated that this was a fee for service and there was no pressure to purchase a product. The fee was clearly explained upfront and there were no surprises. We felt that we received good value for money and feel more confident about our plans for our financial future.
Marcel & Lori Durand
Recent Fee-Only Client
I sought out a fee-only retirement income planner in the summer of 2018 as we were both retiring at the end of 2018. I wanted to validate our pension strategy related to tax brackets and tax credits. The process was smooth - Willis is very knowledgeable and has recently passed his certified… Read More
I sought out a fee-only retirement income planner in the summer of 2018 as we were both retiring at the end of 2018. I wanted to validate our pension strategy related to tax brackets and tax credits. The process was smooth - Willis is very knowledgeable and has recently passed his certified financial planner exam. Nancy has previously worked in a brokerage and knows the processes around the administration. A husband-wife team that works well together. There was no sales pressure. Willis validated our approach to generating retirement income and we talked about minimizing taxes and splitting income. We paid $300 for a two-hour consultation which was very reasonable compared to another fee-only planner in Calgary that charges upwards of $1000 for a minimum 5-hour consultation. Willis and Nancy included both my wife and me in the conversation as equal partners. We talked about minimizing stock market risk and Willis introduced us to cashable annuities - Willis ran a number of scenarios and we decided on converting some of our RRSPs to a life income fund from Sunlife. He was open about the commission they receive on this product. I learned from Willis the tax savings in splitting my DB pension income with my wife, and also that I can set up a new RRIF and transfer funds instead of converting an entire RRSP to a RRIF. These ideas have saved me several thousand in taxes. I have already referred one friend to meet with Willis. Langford Financial runs several evening seminars a year for a nominal fee and they are well worth attending. I would recommend Langford financial without hesitation to anyone, but especially those within 5-10 years of retirement, or those having a life change ( such as a divorce ) and want to understand the tax implications. <<< Less
I sought out a fee-only retirement income planner in the summer of 2018 as we were both retiring at the end of 2018. I wanted to validate our pension strategy related to tax. . . Read More
I sought out a fee-only retirement income planner in the summer of 2018 as we were both retiring at the end of 2018. I wanted to validate our pension strategy related to tax brackets and tax credits. The process was smooth - Willis is very knowledgeable and has recently passed his certified financial planner exam. Nancy has previously worked in a brokerage and knows the processes around the administration. A husband-wife team that works well together. There was no sales pressure. Willis validated our approach to generating retirement income and we talked about minimizing taxes and splitting income. We paid $300 for a two-hour consultation which was very reasonable compared to another fee-only planner in Calgary that charges upwards of $1000 for a minimum 5-hour consultation. Willis and Nancy included both my wife and me in the conversation as equal partners. We talked about minimizing stock market risk and Willis introduced us to cashable annuities - Willis ran a number of scenarios and we decided on converting some of our RRSPs to a life income fund from Sunlife. He was open about the commission they receive on this product. I learned from Willis the tax savings in splitting my DB pension income with my wife, and also that I can set up a new RRIF and transfer funds instead of converting an entire RRSP to a RRIF. These ideas have saved me several thousand in taxes. I have already referred one friend to meet with Willis. Langford Financial runs several evening seminars a year for a nominal fee and they are well worth attending. I would recommend Langford financial without hesitation to anyone, but especially those within 5-10 years of retirement, or those having a life change ( such as a divorce ) and want to understand the tax implications.
John & Shirley Hodge
Recent Client
We met Willis and Nancy at the seminar they hold several times a year. Our son recommended we attend to get a better idea about our investments as he thought we were not getting proper service from one of the big banks and we had recently retired. We were so very impressed with their presentation… Read More
We met Willis and Nancy at the seminar they hold several times a year. Our son recommended we attend to get a better idea about our investments as he thought we were not getting proper service from one of the big banks and we had recently retired. We were so very impressed with their presentation that we made an appointment immediately with the Langfords. We have had nothing but wonderful direction and advice. They are so very knowledgeable and really listen to your needs and expectations. Investing in these times can be very overwhelming and they have made it so comfortable by discussing our needs so we understand. I highly recommend making an appointment to discuss your investment needs. CD <<< Less
We met Willis and Nancy at the seminar they hold several times a year. Our son recommended we attend to get a better idea about our investments as he thought we were not. . . Read More
We met Willis and Nancy at the seminar they hold several times a year. Our son recommended we attend to get a better idea about our investments as he thought we were not getting proper service from one of the big banks and we had recently retired. We were so very impressed with their presentation that we made an appointment immediately with the Langfords. We have had nothing but wonderful direction and advice. They are so very knowledgeable and really listen to your needs and expectations. Investing in these times can be very overwhelming and they have made it so comfortable by discussing our needs so we understand. I highly recommend making an appointment to discuss your investment needs. CD
Cindy and John
Clients since 2019
Willis and Nancy are amazing. I am near retiring totally and they advised me what to do to help me be financially set. I was late in starting my financial plan but they helped me to see that I was going to be okay. They are so knowledgeable about what is going on in the world financially… Read More
Willis and Nancy are amazing. I am near retiring totally and they advised me what to do to help me be financially set. I was late in starting my financial plan but they helped me to see that I was going to be okay. They are so knowledgeable about what is going on in the world financially especially for retirement. They have the answers and are interested in you personally. Thank you. <<< Less
Willis and Nancy are amazing. I am near retiring totally and they advised me what to do to help me be financially set. I was late in starting my financial plan but they. . . Read More
Willis and Nancy are amazing. I am near retiring totally and they advised me what to do to help me be financially set. I was late in starting my financial plan but they helped me to see that I was going to be okay. They are so knowledgeable about what is going on in the world financially especially for retirement. They have the answers and are interested in you personally. Thank you.
Catherine Moon
Client
"Hi, I wanted to send you a note to say that I just read the Jan 17 newsletter that you sent out. It is the first financial letter that I have ever read and fully understood. I've always left investment info to Gord. I really enjoyed it, and look forward to next month's letter. " Jean… Read More
"Hi, I wanted to send you a note to say that I just read the Jan 17 newsletter that you sent out. It is the first financial letter that I have ever read and fully understood. I've always left investment info to Gord. I really enjoyed it, and look forward to next month's letter." Jean Cousins, Client <<< Less
"Hi, I wanted to send you a note to say that I just read the Jan 17 newsletter that you sent out. It is the first financial letter that I have ever read and fully. . . Read More
"Hi, I wanted to send you a note to say that I just read the Jan 17 newsletter that you sent out. It is the first financial letter that I have ever read and fully understood. I've always left investment info to Gord. I really enjoyed it, and look forward to next month's letter." Jean Cousins, Client
Jean Cousins
Full Service Client
Thorough, Reliable and true to their word. Working with Willis and Nancy is easy and even when having difficult conversations. They present the facts in a way that both my wife and I could understand.
Thorough, Reliable and true to their word. Working with Willis and Nancy is easy and even when having difficult conversations. They present the facts in a way that both my. . . Read More
Thorough, Reliable and true to their word. Working with Willis and Nancy is easy and even when having difficult conversations. They present the facts in a way that both my wife and I could understand.
Simon and Jilene Sauve
Full-Service Client
"My wife and I have been enjoying the time we’ve spent doing business with Willis. You can always tell when someone enjoys what they do and are doing it for the right reasons. When it comes to Willis, there are no hidden agendas or sales pitches. He lays out all the options and provides all the… Read More
"My wife and I have been enjoying the time we’ve spent doing business with Willis. You can always tell when someone enjoys what they do and are doing it for the right reasons. When it comes to Willis, there are no hidden agendas or sales pitches. He lays out all the options and provides all the pros and cons for each possible scenario. He’s well informed and has given us the personal attention and service that we haven’t seen from anyone else. If there is anyone out there who has delayed taking care of these important areas of life (insurance, investment, benefits) out of fear of who to trust and not wanting to be stalked, dealing with Willis will put those fears to rest. I highly recommend Willis for his knowledge, service, and performance." <<< Less
"My wife and I have been enjoying the time we’ve spent doing business with Willis. You can always tell when someone enjoys what they do and are doing it for the right. . . Read More
"My wife and I have been enjoying the time we’ve spent doing business with Willis. You can always tell when someone enjoys what they do and are doing it for the right reasons. When it comes to Willis, there are no hidden agendas or sales pitches. He lays out all the options and provides all the pros and cons for each possible scenario. He’s well informed and has given us the personal attention and service that we haven’t seen from anyone else. If there is anyone out there who has delayed taking care of these important areas of life (insurance, investment, benefits) out of fear of who to trust and not wanting to be stalked, dealing with Willis will put those fears to rest. I highly recommend Willis for his knowledge, service, and performance."
Derek Belzile
Business Coach, CEM International Management Consultants Ltd.
Finance Articles
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Understanding the Value of Spousal RRSPs
One of the challenges that retirees face is equalizing their retirement income as a way to share and reduce the income tax bill. One individual earning $80,000 a year will pay $18,260 in taxes, while 2 individuals earning $40,000 will pay only…
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- Address: The Edison, 150 9th Ave SW, 23rd FloorCalgary, AlbertaT2P 3H9
- Phone: 587-755-0159
