Retirement Income Strategies Blog Articles

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

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
  • Langford Financial

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
  • Langford Financial

How 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
  • Langford Financial

Don't Let 'Running Out of Money' Keep 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
  • Langford Financial

5 Income Strategies to Help You 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
  • Langford Financial

3 Ways to Convert Your RRSP into Retirement Income

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

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

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
  • Langford Financial

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
  • Langford Financial

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
  • Langford Financial

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
  • Langford Financial

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. . .

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