You Cannot Buy 'More Time' In Retirement

Calgary Retirement Income Planning

I often think about this story from Daryl Diamond. Imagine you are going on a 2-week all-inclusive vacation. But, this time, you are going to do it all differently. You are actually going to splurge and do all the extra little things. Rent the Seadoos. Go on some excursions. Take the jungle tour. Go to town. You're gonna spend some money.

Then you whisper to your spouse. "Let's take it easy on the first week and get used to the place and then the second week we'll do all of those things. At the beginning of the second week, it rains for 3 days and then one of you gets sick for the last 4 days and you go home without doing anything. 

Sad, and it happens all of the time, especially with retirement planning, retirees think they have lots of time and they put off enjoying retirement too long and they spend their days in doctor's offices and hospital lineups.

See, you can't buy more time. Once it's gone, it's gone. The time spent with our family. The special occasions. The trips. You can't relive these opportunities.

Retirement is a long time, but you need a combination of these key ingredients to make the most of it:

Money - In fact, money will determine the scope of your retirement lifestyle. Your ability to achieve many of your retirement dreams and goals will be based on how much money you have.

Health - Without your health, nothing else matters. Money can help with better treatments, but you will be limited in realizing your goals and dreams. 

Time - You can have great health and lots of money, but if you won't pull the trigger and go for it - well, you are actually wasting away your health and your money. Don't die with a full bank account, but an empty and unfulfilled retirement. Remember - you can't buy back time.

A Plan - You would not set out on a trip without a plan, a map, or a direction. We can't help you with your health or time, but we can help you create a plan - it's what we do, and we can ensure you don't run out of money. Call us and set up a time when we can sit down and discuss your individual plan. We have all kinds of strategies that we can implement together to help ensure your best possible retirement outcome.

We have...

  • Portfolios to reduce volatility (Here's one company we work with - Watch the Video)
  • Investments that can produce a steady income
  • Investments with guaranteed monthly income
  • Tax-efficient income
  • Tax saving strategies that will add $1000's to your lifestyle
  • Accountability
  • You always deal with us to help you decide the right steps

The last ingredient that is like the icing on the cake is PURPOSE. Knowing you have enough money helps you go to sleep at night, but having a reason to get up in the morning gives you purpose. If you have both, consider yourself blessed. 

If you would rather spend your time in retirement out enjoying life instead of worrying about money, then Book a meeting in our calendar below and we will help you get clarity around your retirement goals and dreams. 


Your Retirement Income & Investment Planners,

Willis & Nancy Langford


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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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