Our Process

Quality Retirement Planning, Calgary

OUR PROCESS

 

Perhaps you have done well growing your savings with the help of an advisor over the years, but you are not confident that he or she has the expertise or willingness to put together a comprehensive retirement income plan for you. We are committed to providing all Canadians with access to affordable, expert advice and planning so that they can retire with confidence.

 

"55% of pre-retirees will change advisors when they transition to retirement"

 

This is the stage of life when you need to meet with an expert who specializes in retirement planning and in building a portfolio that can produce the retirement income you'll need in the most tax-efficient and sustainable manner. You've worked hard all your life and saved as much as possible to get to this point so it is imperative that you avoid costly mistakes.

Tax-efficient 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. 

There's more left in your pocket & that's what matters most.

Some Retirement Income Strategies you Need To Be Aware of:

  • The exact timing of government benefits like CPP & OAS
  • The effective use of cashable annuities to protect income for your entire life
  • Sharing of pension credits
  • Avoiding the OAS clawback and age-specific, means-tested benefits
  • RRSP meltdown strategy to avoid an RRSP tax trap
  • Spousal RRSPs and other income splitting strategies
  • Age 65 tax credits
  • The proper use of non-registered assets with capital gains
  • How to get $2000 of tax-free income from your RRSP each year from age 65-71
  • Dividend strategies
  • Taking advantage of lower tax brackets
  • Spousal tax rollover opportunities
  • Insure against the erosion of investment capital because of health care needs later in life
  • Passing on your estate in the most tax-efficient manner

We are a private independent practice and we specialize in providing affordable retirement income planning for all Canadians. DO NOT RETIRE until you meet with us and allow us to create an affordable retirement plan that is specific for you. You will run out of money and you will pay too much in taxes and you will lose out on investment growth because of too much stock market risk. All of this can be avoided with a small investment of time and money before you retire.

 

Step 1

Introductory Meeting: Book a complimentary meeting to see how we can help you. The agenda for this meeting includes a discussion about what is important to you about money, an understanding of your goals, objectives and a review of your financial information. We will provide you with an overview of how we help our clients retire with confidence and you can decide how you would like to proceed from there. 

Step 2 

If we move forward with some planning, we will book a second meeting to go over your plan. I will take the information that you have given me and I will analyze it and create a simplified income and investment planning proposal for you that will answer your questions, offer recommendations, outlay the strategies for creating income from your investments, ways to save money on fees and taxes, and any other unique opportunities available to you. I'll provide various retirement projections like your portfolio asset mix, the required rate of return, and your risk of running out of money. There is a one time fee for the plan (typically $300-500 - it may be higher, depending on the level of complexity). 

The key to getting ahead is getting started....

CLICK HERE to book a time to meet with us. Complete the intake form with as much detail as you can.

 

Retirement Income & Investment Advisors,

Willis & Nancy Langford

587-755-0159

 

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