A Simple Retirement Plan Using Annuities

Flat-Fee Retirement Income Planning, Calgary

Would you like a simple retirement income plan with no more investment decisions or stock market worries?

The research is conclusive: Retirees with guaranteed lifetime income are happier and experience a greater degree of retirement satisfaction because they are not worried about outliving their money. During retirement, you have to de-risk your portfolio and reduce the market exposure of your investments so that you can ensure you do not run out of money.

There are all kinds of annuities available, however, you probably have never heard of most of them. For example, Cashable annuities, variable annuities, deferred annuities, term annuities, impaired annuities, joint survivor annuities, insured annuity.

Check out: Annuities & Retirement Happiness


Annuities are still the safest way to Create a Guaranteed, Predictable & Tax-efficient Lifetime Income:

  • No more investment decisions
  • Create additional sources of Guaranteed Income from your investments
  • Structure your income in the most tax-efficient way so that CRA gets less
  • Cashable & Deferred annuities can provide continued growth for your investments even while withdrawing from them
  • Protect your assets so you don't run out of income and ensure you can leave a legacy
  • Check off 2 big retirement risks: longevity and market uncertainty

Who is this for?

    •    You have investible assets like RRSPs, TFSAs, LIRAs.

    •    You are age 65 or more and nearly retired or newly retired. 

    •    You are not interested in making complicated investment choices.

    •    You're looking for clarity on your future so that you can stop worrying about it.

    •    You do not want to outlive your money and be a burden to your family

    •    You want to have security and freedom. (know how much you can spend & when you can retire)



Over the years you have made many sacrifices and made good choices with your money and now it's time to enjoy the fruits of your labour. You can avoid a lot of costly mistakes by working with a Certified Financial Planner who will take the time to properly craft a retirement income & investment plan that is customized for you and built to preserve a lifetime of hard work.

Book a meeting time in our calendar below. 

Tax-efficient guaranteed income with the proper withdrawal strategies and strategic timing is by far the best way to ensure you keep more of your hard-earned money out of CRA's hands and that you do not outlive your savings. 

Langford Financial Inc is a private practice specializing in retirement income planning and advice for those 55+. 








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