All The Money In The World

Retirement Income Planning, Calgary

Have you ever seen the movie, "All The Money In The World"?

It's the true story of the Getty Oil empire. I'll try not to ruin the movie for you in case you have not seen it yet. But, I'm sure you know where this is going. Mr. Getty was the richest man in the world at the time, however, he dies alone in an empty, cold, castle.

He had alienated every person in his life in pursuit of money. He thought he could replace people with things, but in his final breaths, things brought no comfort and he died a lonely, old, miserable, rich man. 

Be careful that you don't end up with a full bank account, but an empty life.

There are 3 keys to a happy retirement, regardless of how much money you have:

Something do. Someone to do it with and not having to worry about money.

Only one of those items is financial, but it's where most people spend all of their time and energy. Trying to get to their retirement number. 

Visit any casino in Calgary, or anywhere for that matter, it's filled with Seniors who have no purpose and most likely, little money.

We recently attended the funeral service of an old friend of ours. It was one of the most uplifting services I have ever attended. Bill had spent his 20+ retirement years looking after his ailing wife, a taxi driver for his grandchildren, attending church, encouraging people, looking after his neighbour's dogs and shovelling sidewalks. He was full of joy and lived to be almost 87 years old. A retirement well-lived. He had a reason to get up each day.

Be careful that you don't end up with a full bank account, but an empty life!

We were created to live in connection with one another. Visit a McDonald's anywhere in Canada or the USA and what you'll see most mornings is a bunch of old guys drinking coffee, reading Newspapers, gossiping and conversing about politics. All of this is a front for why there really there: because they love each other and they wouldn't miss it for anything. 

These little social gatherings I'm talking about emerge with no planning or coordination by anyone. They emerge because we need each other. We were created as social beings and none of us can successfully survive by ourselves.

The problem in retirement, especially early in retirement, is that our social construct changes from the workplace to the community. If this is not done properly, a person can feel disconnected and displaced in retirement. 

We desperately need someone to share life with!

The number one concern for retired and retiring Canadians is outliving their money. The only solution to not running out of money is having a proper spending plan and more guaranteed income, such as CPP, OAS, work pensions and certain types of annuities. 


Click here to learn more about creating your Retirement Roadmap. It's the best way to get a clear vision of your future, get your financial house in order, and live your life with purpose.

Retirement Income, Investment & Tax Planning for Those 55+,

Willis J Langford BA, MA, CFP

Nancy R Langford CRS


Wealth without purpose = a meaningless life

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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!
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Paul & Elaine Radder
Long-term Clients

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