Retirement Income Strategies Blog Articles

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Retirement Income & Investment Advisors, Calgary
  • Sep 11, 2018
  • Willis Langford

Looking to Retire Soon? Consider This 3 Step Process

Unfortunately, Canadians make a lot of mistakes with their retirement planning. With so many conflicting messages from various financial institutions all shouting for your attention, it's no wonder there's so much confusion. We are. . .

Retirement Income Planning, Calgary
  • Aug 02, 2018
  • Willis Langford

Creating An Effective Retirement Income & Investment Plan

What they wanted was advice on organizing their sources of retirement income - what they got was an investment plan! The fact is most retirees want help with organizing their affairs as they approach retirement and help with understanding. . .

Fee-only Retirement Income Planners, Calgary
  • Feb 24, 2018
  • Willis Langford

You Will Not Retire 30% Richer With Questrade

As a Certified Financial Planner, I am shocked at how much of a doormat the financial services industry is in Canada. We've learned nothing from watching the slow-moving trainwreck within the Oil and Gas industry which waited too long and did. . .

Investments Insurance Planning, Calgary
  • Jul 12, 2017
  • Willis Langford

6 Simple strategies for reducing taxes before and during retirement

There's one often overlooked way to grow your wealth and create more guaranteed returns. Reducing taxes. Way too many Canadians needlessly pay too much in income taxes. Mostly due to a lack of understanding of how our system works and a lack of. . .

Reverse Mortgages, Calgary
  • Apr 27, 2017
  • Willis Langford

What is a Reverse Mortgage? And, are They a Good Idea?

Tired of being house-rich but cash-poor? You have options. Reverse mortgages have been around for 25 years in Canada. Still, many Canadians do not fully understand them. Are they a good idea? Is it 2 steps backward to go 1 step forward? How Do. . .

Calgary Retirement Income Planning
  • Mar 28, 2017
  • Willis Langford

3 Ways To Prevent Running Out of Money in Retirement

Imagine with me for a moment. You are finally ready to let go of the job that has sustained you for many years and enter the wonderful world of your ideal retirement lifestyle. It will probably be one of the most exhilarating and scary days of. . .

Retirement Income Planning, Calgary
  • Feb 09, 2017
  • Willis Langford

Worries of 'Running Out of Money' Keeping You Up at Night?

By far the biggest concern for retirees is running out of money. But, it doesn't have to be. Retirement is a long time and requires a proper income plan and a proper investment plan. If you take your income too fast you increase the risk of. . .

Retirement Income Planning, Calgary
  • Feb 09, 2017
  • Willis Langford

5 Guaranteed Income Strategies to Avoid Outliving Your Money

5 Guaranteed Sources of Retirement Income  What I learned from Brian Costello at a seminar about 15 years ago - the key to financial independence is multiple streams of income. There are several ways to generate income, but only a few of those. . .

Retirement Income Planning, Calgary
  • Feb 08, 2017
  • Willis Langford

3 Options For Converting Your RRSP into Retirement Income

Remember that awesome tax refund you received because of your RRSP contribution? Well, eventually CRA wants some of that tax back. Before they force you to start taking some money out, what are your options? You actually have 3 options when it comes. . .

Annuities, Calgary
  • Nov 16, 2016
  • Willis Langford

What is a prescribed annuity?

One of the challenges for creating retirement income is that interest rate yields have dropped so much over the past 30 years and now taxes are increasing - it's what we call adding 'insult to injury'.  If you are over the age of 60 this. . .

Retirement Transition, Calgary
  • Nov 04, 2016
  • Willis Langford

Annuities or GICs: Which Are Better?

One of the challenges for creating retirement income is that interest rate yields have dropped so much and now taxes are increasing - it's what we call adding 'insult to injury'.  If you are over the age of 60 this is something that you. . .

Retirement Income Planning, Calgary
  • Sep 28, 2016
  • Willis Langford

What Happens To Your Pension In a Divorce?

Divorce has many financial consequencs, especially when it comes to your pensions. Here's a great article I found on Sunlife. ca  July 20, 2016 Who gets the pension in a divorce?   By Sheryl Smolkin Dividing up family. . .

Retirement Readiness Assessment, Calgary
  • Mar 13, 2016
  • Willis Langford

How To Unlock Your Locked-In RRSP

Here are the 5 scenarios where you can withdraw money from a LIRA (Locked-In Retirement Acct). These are the rules for an Alberta LIRA: 1.  Access due to Considerably Shortened Life If you have a terminal illness or a disability that will. . .

Retirement Income Planning, Calgary
  • Feb 05, 2016
  • Willis Langford

TFSA: Great Investment Tool or Waste of Time?

TFSA: Is it worth it for you? What is a TFSA, or a TSFA as my mother incorrectly calls it? It stands for Tax-Free Savings Account. If you are not careful this thing could end up costing you more than you'll ever gain. This savings vehicle was. . .

Retirement Transition, Calgary
  • Feb 03, 2016
  • Willis Langford

Should You Invest In Your RRSP or Your TFSA?

Should you be putting more money into your RRSP or should you contribute to your TFSA (which by-the-way has no deadline)?   Here's a couple of ideas to consider:   1. ) If you have made a significant amount of employment income in. . .

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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