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.
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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.
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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
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.
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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
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"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."
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"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.
Nancy is a knowledgeable, insightful person who understands her chosen vocation very well. There is no doubt in my mind that any communication with Nancy will be pleasant, rewarding and beneficial to all concerned.
Nancy is a knowledgeable, insightful person who understands her chosen vocation very well. There is no doubt in my mind that any communication with Nancy will be pleasant,. . . Read More
Nancy is a knowledgeable, insightful person who understands her chosen vocation very well. There is no doubt in my mind that any communication with Nancy will be pleasant, rewarding and beneficial to all concerned.
Jonathan Haman
Past Client
Willis did a wonderful job presenting on his business. It was memorable, funny, and full of valuable information. His past inspired him to pursue helping the community with their financial interests. His past also serves as inspiration to the community because of the familiarity of many of who… Read More
Willis did a wonderful job presenting on his business. It was memorable, funny, and full of valuable information. His past inspired him to pursue helping the community with their financial interests. His past also serves as inspiration to the community because of the familiarity of many of who are in the same situation right now. I would highly recommend his services to anyone who is looking for financial gain, insurance, investments, and more.
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Willis did a wonderful job presenting on his business. It was memorable, funny, and full of valuable information. His past inspired him to pursue helping the community with. . . Read More
Willis did a wonderful job presenting on his business. It was memorable, funny, and full of valuable information. His past inspired him to pursue helping the community with their financial interests. His past also serves as inspiration to the community because of the familiarity of many of who are in the same situation right now. I would highly recommend his services to anyone who is looking for financial gain, insurance, investments, and more.
Dr. Shanna Rai
Colleague, Doctor of Chiropractic/Owner of Calgary Family Wellness
