Creating Retirement Projections

Retirement Projections, Calgary

Before heading out on vacation you'll take the time to plan where you are going, how you will get there, where you'll be staying and the activities you want to participate in. You may plan a wedding, plan for a new baby, plan out your education, get architectural plans to build a house. 

When you stop and think about it, you plan out a lot of stuff in your life every day, but what about a plan for your money and your future?

A large majority of Canadians have no plan and when you consider the reality that most retirees are faced with retirement before they have time to create a plan, due to being downsized or forced to quit their job to look after aging relatives, failure and mistakes are inevitable.

Stop and think for a moment. What would a wedding be like without a plan? What would your vacation be like without a plan? What would a new house look like without a plan?

Most Canadians going into retirement have no plan. They have a hodgepodge assortment of investments and a foggy idea of how to put it all together. The majority of financial advisors at the big firms only take clients with large accounts of $1,000,000 or more and only focus on investments that are 100% exposed to the stock markets. If you have the misfortune and working with your local bank, you have a revolving door of inexperienced advisers more interested in selling you a credit card or overdraft protection than giving your proper retirement income planning and advice. They may be able to input your data into a computer to generate some retirement projections, but cannot explain it to you.

There are many items that make up a successful retirement income & investment plan. Like, reducing taxes, maximizing government benefits, proper health benefits, long-term care, estate considerations, insurance, and final expenses, to name a few.

There is nothing more valuable to you than taking your income in the right order.

This is the only way you can reduce taxes and ensure that you will not run out of money. We carefully analyze your financial situation and we run various retirement projections to determine the best way for you to start your various sources of income so that you will pay the least amount of taxes over your lifetime. This will enable you to know with certainty how much money you can spend each year and if it will last your whole life through. As Calgary's only fee-only planners, we actually create for you a retirement income plan.

Having a multitude of financial products spread over a dozen companies is no way to prepare for the most exciting time of your life. That's why we create individual plans that work as a set of blueprints so you can then decide what products you need to reach your goals and bring it all together in a plan that gives you the best possible outcome with investments that can produce predictable income for life.

Taking the time to work with a qualified retirement planner can save you thousands of dollars in lifestyle cash flow and can save you a lot of time and pain from the pitfalls most people make.

Your financial future should not be left in the care of inexperienced amateurs.

How to proceed from here?

Simply book a meeting time in our calendar and complete the intake form to get started. 

 

Willis & Nancy Langford

Retirement Income & Investment Planners

Langford Financial Inc is a private practice specializing in retirement income planning for everyday people. 

587-755-0159


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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!
Paul and Elaine Radder

Paul & Elaine Radder
Long-term Clients

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