Creating Your Financial Roadmap For Retirement

Retirement Income Planning, Calgary

Are you a financially successful person age 55+ who wants to

retire soon? 
 

 Are you frustrated with the lack of advice & planning you are

getting from your current advisor?

 

Want to know how much you can afford to spend to enjoy

your ideal retirement and not run out later?

 

Your successful retirement is built on the foundation of an unbiased Retirement Income Plan. As you transition into retirement, your confidence level needs to be a 10, with your total financial house in order, goals mapped out, and ready to enjoy your ideal lifestyle.

 

Our curated planning process will tell you exactly how much income you will have in retirement, when and where to take it from in the most tax-efficient manner, what kind of investments you should hold. 

Curated: "carefully chosen and thoughtfully organized or presented" ~ Webster's

 

Create Your Roadmap 

This first part of the process is about determining where you want to go.

The only way to have the future you desire, rather than the one that will happen by default, is to create it. 

What's important to you? What do you value? What are your goals?

Imagine living a life that is fulfilling, one in which you are achieving your goals and living life according to your most deeply held values.

 

Get Your Financial House in Order

Our curated planning process will help you make smart choices and get your financial house in order. At the end of this process you will know:

  • The Sustainable level of income you can spend in early retirement and not run out later. (Spending strategy)
  • How much savings you should have in reserves. (Cash-wedge strategy)
  • How to draw income from your various sources in the most tax-efficient manner. (Tax-saving strategy)
  • How to Coordinate your Stock options, RSUs, Retirement Allowances, Retained earnings, Corporate Dividends with all your other income sources like RRSPs, LIRAs, TFSAs, non-registered accts, CPP, OAS, etc. (Income strategy)

We use over 20 strategies in the creation of your plan. ‚ÄčThere are many time-sensitive opportunities that the average retiree will miss costing time and money when not implemented at the right stage. You don't know what you don't know but hey, that's ok, we do! We take the worry off your shoulders and ensure you retire with confidence knowing you have the best plan in place so that you can... 

Live Your Ideal Lifestyle

If this sounds like the kind of plan that you want, here's how to get started...

Book Meeting #1: At this complimentary meeting, we will start by laying out your financial roadmap. We'll discuss what is important to you about money - clarifying your values, prioritizing your goals, and creating a picture of your ideal retirement lifestyle. We will review your financial documents to benchmark your current financial reality and determine the next steps for you in you reaching your lifestyle goals. We will determine the fixed cost of your planning and sign a letter of engagement.

Sound good? Book a meeting time that works for you by using our calendar below. You will then proceed through the online questionnaire. Your appointment confirmation email will include a list of documents to bring with you to your first meeting. If you are married, both spouses are required to attend. We are considered an essential service and we are open for in-person meetings at the office. We follow all of the required COVID protocols for providing a safe environment. 

Schedule Appointment

 

(Total cost is based on complexity and is determined at the end of the 1st meeting - Most plans range from $2000 - $5000)

 

Have Questions? Schedule a 10-minute Call

 

The second meeting is where we present your retirement income plan with all of the strategies and recommendations for getting your total financial house in order. All of your questions will be answered. You'll know what your sustainable income will be in retirement. When and how much income to take from your various sources. How much taxes you will pay, or not pay, due to strategic planning. The composition of your portfolio. The required rates of return. Any possible need for insurance strategies. How much you can expect to leave to your heirs. And, all of the recommended steps for implementing your plan are laid out in detail.

A third meeting is held 1-2 weeks after meeting #2. This gives you time to review your plan and consider the scenarios that could work for you. The purpose of this meeting is to make adjustments, answer additional questions, look at alternative scenarios, provide a final draft of your plan, and recommendations on implementation.  We want to ensure you are equipped to take action because it is taking action that will get you results and lead you to the ideal lifestyle you desire.

The initial planning engagement covers a period of approximately 30-days. Then what happens?

By the time we get to this point in the process, you will be educated and empowered to make informed decisions regarding every aspect of your retirement roadmap and income planning. It is at this juncture that most planning clients realize the value and importance of the strategic planning we provide. You may delegate the responsibility of implementing your plan to us by maintaining an on-going relationship with us for continued retirement income, tax and investment planning. We call this our...

All-inclusive Ideal Client Community

Click Here To Learn More about our Ideal Client Community

 

Schedule Appointment

Click here to see what our clients say on Google reviews

 

Retirement Income Planning Exclusively For Those 55+,

Willis J Langford BA, MA, CFP

 Certified Financial Planner® 

Nancy Langford CRS

Certificate in Retirement Strategies

Our job is to help you get your total financial house in order so that

you can live your ideal lifestyle confidently, -

with purpose & peace of mind.

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