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Advantages of Charitable Giving
  • Dec 10, 2018
  • Willis Langford

Advantages of Charitable Giving

Well, It's beginning to look a lot like Christmas. . . . and Christmas is the season of giving! I want to provide you with some valuable information on the advantages of charitable giving. The first advantage is that it is good for your health. . . .

Retirement Income Planning, Calgary
  • Jul 24, 2018
  • Willis Langford

Is Renting a Waste of Money?

 

Retirement Income & Investment Planning, Calgary
  • Apr 12, 2018
  • Willis Langford

How To Rob A Bank

Seven years ago (2012) we were celebrating being "debt-free" and contemplating what our next financial move would be. We had a significant amount of equity built up in our house and were looking for opportunities to grow our wealth. We had already. . .

Investment, Insurance & Planning, Calgary
  • Jul 13, 2017
  • Willis Langford

The Number 1 Strategy for Taking Control of Your Financial Future

I vividly remember our lunch date that day. We had just come from an appointment at our bank finalizing some re-financing on our home and afterward, Nancy and I decided to grab a bite to eat at Chianti's, one of our favorite restaurants. During. . .

Retirement Income Planning, Calgary
  • Nov 10, 2016
  • Willis Langford

Where Does Most of Your Money Go? 3 Pocket Thieves...

The 3 Pocket Thieves Interest Costs: The average Alberta family will lose about $500,000 in interest costs during their 40-year working life. How did we come up with that number? If you purchase a home for the average $478,000 that will be. . .

Investments and Insurance Planning, Calgary
  • Jun 28, 2016
  • Willis Langford

Freedom 55 and Other Lies

Turning 30 was the most difficult birthday for me. It's different for everyone, but for me 30 was old. I still didn't know what I wanted to do. I wasn't settled. We didn't have much in the way of assets, savings or investments. I. . .

Quality Retirement Planning, Calgary
  • May 31, 2016
  • Willis Langford

5 Simple Tips To Maintaining Good Credit in Retirement

Canadians say their #1 Financial Priority is Reducing Debt. Did you know that one of the best ways to do that is by getting a better interest rate on your existing debt? This helps you pay more to principle and less to interest thereby helping you. . .

  • May 12, 2016
  • Willis Langford

4 Cash Flow Basics You Should Be Reviewing Constantly

Your car needs to be maintained. So does your home.  Your Cash Flow Plan is no different and it requires ongoing maintenance. Here are 4 cash flow basics to review constantly: 1. ) Is my debt number decreasing each month? When we log into our bank. . .

Calgary's Cash Flow Experts
  • May 12, 2016
  • Willis Langford

Budgeting: Why It Sucks and An Alternative Idea

For most of us, Budgeting is right up there with Root Canals and Colonoscopies. Most of us would prefer the latter. Budgeting focuses on what you cannnot have rather than what you can have. It gives money all of the control over you rather than. . .

Retirement Income Planning, Calgary
  • Mar 11, 2016
  • Willis Langford

7 Smart Strategies for Surviving an Economic Downturn

Tough times will not last forever - tough people will!   During the last downturn, which doesn't seem that long ago, there was a TV Ad by Toyota that said if, “If you can persevere when times are tough, you’ll be unstoppable when. . .

TFSA, Calgary
  • Feb 24, 2016
  • Willis Langford

4 Better Strategies For Your TFSA

The truth is, most Canadians still do not understand what a TFSA is, never mind, what to do with it. A Tax Free Savings Account (TFSA) is an account that you can set up through most financial institutions in Canada. The government allows you to. . .

My Worry-Free Ideal Retirement Plan
  • Dec 10, 2015
  • Willis Langford

How to Choose the Right Advisor for Your Retirement

I was talking with a client recently who, after investing for 10 years with one advisor, had not made a cent! In fact, he actually lost money by not keeping up with the rate of inflation. But, you can be sure he paid fees and his advisor made money. . .

Calgary Cash Flow Planning
  • Dec 04, 2015
  • Willis Langford

13 Money Leaks: Fix These Today and Have More Cash For Tomorrow

  Imagine flushing $5 bills down the toilet. You just would not do it. Yet, you do it everyday in other ways.   Just think of energy costs in your home without weather striping around the doors and windows. How old are your windows and. . .

  • Nov 29, 2015
  • Willis Langford

5 Obstacles That Prevent us from Improving our Financial Health

1. ) Overwhelmed - We can sink so deeply into a hole that we can no longer see the light of day. The burden of debt can be more than we can carry and we know that we nearing a breaking point, but don't know what to do about it. Have you ever had. . .

Latest Testimonial

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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