Retirement Planning Blog Articles

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Retirement Income Planning, Calgary
  • Aug 15, 2018
  • Langford Financial

Should I Commute My Company Pension When I Retire?

If you are one of the lucky Canadians that has a defined benefit pension plan from your employer and you have had the good sense to stay with one employer for a long time then you have some options to consider when it comes time to retire. Before. . .

Retirement Income Planning, Calgary
  • Aug 10, 2018
  • Langford Financial

All The Money In The World

A few months ago Nancy and I went to see the movie, "All The Money In The World". It's the true story depiction of the Getty Oil empire. I'll try not to ruin the movie for you in case you have yet to see it. But, I'm sure you know where. . .

Retirement Income Planning, Calgary
  • Mar 13, 2018
  • Langford Financial

Why You Should Be More Concerned With TAXES then FEES

Every dollar you save in taxes in not only an extra dollar that you have available to enjoy your lifestyle, but it is also a dollar you do not have to take from your retirement savings and it can be another dollar you can use to grow your. . .

Worry-free retirement, calgary
  • Jan 13, 2018
  • Langford Financial

The 3 Keys to a Happy Retirement

He told me the highlight of his day was "Happy hour"! We met at a dental office in Mazatlan, Mexico. He was waiting for his wife and Nancy and I was there to use a coupon we found on the beach for a 180 peso tooth cleaning. ($18 CAD). As we. . .

Retirement Income Planning, Calgary
  • Jan 12, 2018
  • Langford Financial

The Key Differences Between Mutual Funds and Segregated Funds

A mutual fund is simply a basket of individual stocks managed by either a manager or a team of managers. The team will select various investments to hold inside of the fund in order to create a return for their investors. Typically the mutual fund. . .

Spousal RRSP's, Calgary
  • Dec 04, 2017
  • Langford Financial

What You Need To Know About Spousal RRSPs

One of the challenges that retirees face is equalizing their retirement income as a way to share and reduce the income tax bill. One individual earning $80,000 a year will pay $18,260 in taxes, while 2 individuals earning $40,000 each will pay only. . .

Retirement Income Planning, Calgary
  • Aug 27, 2017
  • Langford Financial

Top 5 Priorities BEFORE You Retire

Probably many of you know the illustration of the physics teacher who gave his students a wide-mouth mason jar. He then gave them five big rocks, a handful of marbles, a container of sand and a glass of water. He said, “You’ve got fifteen. . .

Retirement Income Planning, Calgary
  • Jul 14, 2017
  • Langford Financial

6 Steps You Must Take NOW if you want to Retire Soon

The reality is most people will spend more time planning a 2-week vacation than they will be planning out the rest of their lives. According to a 2012 LIMRA study, nearly half of retirees said they did not get to choose when they retired rather they. . .

Calgary Retirement Income Planning
  • May 15, 2017
  • Langford Financial

The 1 Thing You Cannot Buy In Retirement

I often think about this story of 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. . .

Calgary Retirement Income Planning
  • Apr 20, 2017
  • Langford Financial

Our Recent Trip to Colombia

WOW. This is not the country we were exposed to in the 80's and 90's through movies and TV shows. What stood out the most to us is how modern and advanced the country is. Nancy and I had the priviledge of spending 12 days in Colombia from. . .

Calgary Retirement Planning
  • Mar 08, 2017
  • Langford Financial

Are You Being Held Hostage by Bad Advice?

On August 23rd, 1973 two machine-gun carrying criminals entered a bank in Stockholm, Sweden. Blasting their guns, one prison escapee named Jan-Erik Olsson announced to the terrified bank employees “The party has just begun!” The two bank robbers. . .

Quality Retirement Transition, Calgary
  • Oct 20, 2016
  • Langford Financial

12 Keys To a Happy & Secure Retirement

12 KEYS TO A HAPPY, SECURE RETIREMENT • Start planning early. Time is your best friend. • Clearly define your retirement vision, values, priorities and trade-offs. • Get expert help with financial planning. Use conservative. . .

Retirement Income Planning, Calgary
  • Oct 18, 2016
  • Langford Financial

What Smart Investors do that Most People Miss

Today's wealthy investors are usually very involved in their financial matters. There is a tremendous amount of information available today on wealth management. Russ Alan Prince published, Wealth management, (Wealth Management Press 2003) and. . .

Quality Retirement Planning, Calgary
  • Oct 13, 2016
  • Langford Financial

4 Major Pitfalls to Avoid in Retirement

Problem: Miss one of the four key numbers in your calculation, and you could be headed for disaster.   Four Major Pitfalls of Investing in Retirement  Investing in retirement can be tricky, as it requires that you consider several factors. . .

Quality Retirement Planning, Calgary
  • Sep 21, 2016
  • Langford Financial

6 Critical Conversations You Should be Having Before You Retire

The surveys and statistics are overwhelming. Most Canadians are entering Retirement with no plan. Maybe that's not entirely true. Because no plan is a plan - it's a plan to fail! The fact of the matter is that most Canadians do not plan. . .

Quality Retirement Planning, Calgary
  • Sep 20, 2016
  • Langford Financial

The #1 Secret To a More Inspired, Enjoyable & Productive Life

No, it's not work harder.  I tried that and failed. A few years ago I worked for 70 straight days without a day off. 14-16 hours a day, straight through. I was a real joy to be around. Just ask my wife. I was irritable. I was short on patience. . . .

Quality Retirement Planning, Calgary
  • Sep 19, 2016
  • Langford Financial

6 Retirement Risks - Do You Know Them?

Retirement poses a lot of questions. . . . Will my money last my whole life? How do I generate enough income from my retirement nest egg? How can I pass on an inheritance to my children? No one wants a nest with no eggs! Many. . .

retirement Income, Calgary
  • Aug 06, 2016
  • Langford Financial

Is It a Good Idea To Tap Into Your Home Equity Before You Retire?

You would be crazy not to! If you retire and plan to live in your primary family dwelling, and it's completely paid for, then you should definitely consider setting up a home equity line of credit on it before you retire.   One reason to do. . .

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

What If You Were Forced To Retire?

Most of us, if we are honest, dream about the day we can retire and take it easy. Especially after a bad day at work. We fantasize about just walking away and not having to go back. But, what if you had to retire sooner than planned due to. . .

Calgary Cash Flow Specialists
  • May 12, 2016
  • Langford Financial

4 Must Have Pre-Retirement Funds

This morning I am sitting in my usual seat at McDonald's enjoying my coffee and bran muffin with butter. Enjoying the coffee and the butter. Nancy is sleeping peacefully at home - she prefers sleep to bran muffins. I have been thinking about the. . .

Calgary Financial Advisor
  • Apr 14, 2016
  • Langford Financial

What Is Your Next Financial Move?

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. . .

Retirement Income Planning, Calgary
  • Nov 25, 2015
  • Langford Financial

3 Financial Mistake to AVOID

1. Not starting early in life with a financial plan - It’s true: we will spend more time planning our summer vacation than we will planning our financial future. David Chilton’s book, "The Wealthy Barber” is a great book to get you started on. . .

Retirement Transition, Calgary
  • Nov 13, 2015
  • Langford Financial

4 Behaviours that will Ensure You'll Retire Poor

1. ) Placing a higher value on looking Wealthy than being Wealthy. If looking rich is more important to you than being rich then you’ll never be rich due to living above your means.     2. ) Convincing yourself that you will start saving. . .

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