What Is Your Next Financial Move?

Calgary Financial Advisor

Failure to plan is a plan to fail

What’s Your Next Financial Move?


Most of us are very “optimistic” when it comes to our financial future. We truly believe that we will be better off 3 months, 6 months, 1 year down the road than we are today. We definitely believe that our “retirement years” will be OK because that is so far down the road, and well, by that time we will have the house paid for and the kids will be on their own and we will have saved lots of money. 


Consider how often people take the “don’t pay until next year” offer from various retailers. We convince ourselves that by that time we will get a raise, have a better job, or have other money freed up to use for the purchase. Most retailers know that will not be the case and know that in one year from now you will be on their finance plan paying enormous rates. By the time that couch is paid for you could have furnished the whole room.


Because we are eternal financial optimists we can tend to look too far down the road when it comes to retirement preparation. The problem with becoming too future goal oriented is that we neglect the boring, day to day required steps necessary to achieve the goal.


If the goal is to pay off the couch 1 year from now and take advantage of the “don’t pay for one year” deal, then we need to start making the 12 equal payments into a savings/investing vehicle now so that in one year’s time we can pay off the couch and enjoy some return on the money we would of otherwise spent on the couch.


The same is true for retirement preparation or any goal for that matter. The devil is in the details and the details is the strategy, plan, or steps you have to take to get where you want to be.


"Failure to plan your steps will lead you further away from your goal."


Regardless of your current financial situation you still need a plan even if you do not have very much money - you can always add more money to it as you work to improve your situation. At least you will be heading in the right direction.


What’s your next move?



Let's Improve Your Cash Flow! We can help you create a Cash Flow Plan to find the money you need to fund the LIFESTYLE you want TODAY and FOREVERWhat's Next?


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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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