Fee Only Planning & Advice

Fee-only Retirement Income Planning, Calgary

 

Our mission is to educate and empower our clients to reach their goals and inspire them to live a life of meaning and purpose.

We are unique in that we customize our service to fit your needs. Some people need help with a specific problem or question, like dealing with a severance package or divorce. Some people want a retirement transition plan that outlines the order to take their income from their various sources in the most tax-efficient manner and they want to know a sustainable amount of income to take each year so they don't have to worry about running out of money. Some people want us to create a plan for them and manage their portfolio entirely. Some people want us to manage some of their retirement assets and they want to learn how to manage the other half themselves.

It's your money and your life and you should have a plan that works for you.

Option 1: Retirement Income Plan

If you are nearly or newly retired there are numerous decisions that you have to make.  Having a detailed plan helps you make wise decisions by answering questions such as: 

  • When is the best time for me to take CPP & OAS?
  • What other government benefits may I be able to qualify for?
  • Should I start with my RRSP first or with CPP & OAS?
  • When and how do I convert my RRSP to a RRIF?
  • How much money can I expect to receive in retirement?
  • Is it possible to reduce my taxes?
  • How can I be sure I won’t run out of money?

 

By the end of our first meeting, I will have enough information to run specific retirement projections for you based on your situation and I will give you an exact price for your retirement income plan at that time based on the complexity of your circumstances and amount of hours required to create your plan.

With our customized and strategic plans, we have been saving people just like you $1000s in taxes and creating $1000s in extra income they would have otherwise missed out on. Don't let this happen to you! Click Here to get started. Invest in your retirement peace of mind. You will be glad you did! The cost for this service starts at $750. 

The price will be set at the end of the first meeting once we have a full understanding of your situation and needs and how many different retirement projections we'll need to run for you. Click here to see how our process works.

 

Option 2: Review, Planning & Advice

Being terminated from your job and having to make several key financial decisions right away can be extremely overwhelming. Is your Severance Package fair? Should you accept it? What do you do with your lump-sum payment and the registered accounts? Can I avoid losing a chunk of it in taxes? What should I do with my group RRSP? What's a LIRA? We can help bring clarity to all of your questions. We will review your documents, provide advice on the best way to deal with your lump-sum payment and the tax consequences of all your different options. You'll be empowered with all of the information you need to confidently make the right decision for your family. 

Perhaps you need help with financial decisions in a divorce. Maybe you would like some help with what to do with a work pension or a group RRSP. 

Click here to schedule a 15-minute phone call or call us now at 587-755-0159. We will then schedule a one-hour meeting to Review & Advise on your situation. The cost for this service is a flat fee of $250 +gst for 1 hour meeting. A small price to pay for the peace of mind this will bring.

 

Option 3: Full Financial Planning & Fee-Based Wealth Management

This is for anyone who wants a full-service Advisor. Perhaps you are in a different stage of life and you would just like to have a plan that you can follow that will ensure you reach your goals or desired retirement date. You have specific goals that you would like to achieve and you are prepared to make the sacrifices to achieve those goals. You want to be debt-free, have education savings for your children, buy a business, travel, invest in real estate and save for retirement. You want someone to look after all of this for you. It would be best to contact us directly so that we can give you a more detailed price. Book a 15-minute call first so that we can discuss your planning needs with you and determine the next steps. Book Here.

If you are nearly retired or newly retired and you have many questions and would like to talk to us to discuss your retirement income planning needs and options you can book a 15-minute phone call and we will discuss your unique situation and determine how we can best help you. Don't retire until you talk with us and get expert analysis of your situation so that you can avoid costly mistakes. Book a 15-minute call now! 

Retirement Income & Investment Planners

Willis J Langford BA, MA, CFP

Certified Financial Planner® 

Nancy Langford CRS

The reason we got into this business was to help people retire with more money. We strongly believe that the reason people make so many mistakes with their money is that they are ill-informed from financial salespeople who are mainly interested in making a fast commission and do not take the time to understand a client's entire financial situation. The loser is the consumer and we want to help as many Canadians as possible retire with confidence and we are committed to a planning first philosophy and to providing expert and objective advice to everyone - regardless of their level of wealth. Our fees are reasonable and you will never be pressured to buy anything.

Related

Contact Us

Questions? Comments? Call us today at 587-755-0159 or fill out the form below:

Have Questions? Call Us Today At

Call Us

Join Our Newsletter



Subscribe