Our Process

***We are open for business and doing our meetings online 

via Facetime/Zoom for the month of July***

 

 

OUR PROCESS

 

Our "Planning First" Philosophy

This is the stage of life when you need to meet with an expert who specializes in retirement INCOME planning to build a plan that will produce the retirement income you need and do so 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 know your are making good choices about your money. 

Here's what to expect

Step 1

First Meeting: Using the link below you may book yourself into our calendar for your first meeting. After picking your date you will complete a brief questionnaire. Once finished, you will receive an appointment confirmation email which includes a list of documents to bring with you. 

The agenda for this meeting includes a discussion around your values, your goals, and a review of your financial documents.  At the meeting, you will learn how we will help you retire with confidence and how much your unique plan will cost. The majority of the plans that we do range in cost of $1000-2500. Some are more as it depends on the complexity, the number of moving parts, and the hours needed to create your plan. The cost will be determined at the end of the meeting and will cover a 30-day engagement period.

Step 2 

Plan creation and strategy recommendations. We will take the information that you have given us and analyze it to create a retirement income plan for you that will answer your questions, make recommendations about your portfolio, outlay the strategies for creating more income, when to take income from your various sources, ways to save money on fees and taxes, your insurance requirements, when to take CPP and OAS, and other unique opportunities available to you. We'll provide various retirement projections showing if you have enough money to retire, how much you can realistically spend in retirement, what your portfolio asset mix should be, the rate of return you need, and your risk of running out of money. 

Step 3

At our second meeting, we will present your plan and review it together to ensure that you understand it completely and that all of your questions are answered. Each of the unique strategies will be explained for clarity. You will have your plan in printed form to take home with you and there will be an invoice for the plan. There is a third meeting at the end of the 30-day engagement to answer any additional questions/concerns you may have and to add any adjustments you would like to make. This meeting can be done over the phone/facetime or in person.

If you would like to implement any part of your plan with us, we can discuss that as well, as we do offer other financial services (RRSPs, TFSAs, annuities, insurance, health plans, or our unique retirement income asset allocation strategy) to those who want more help with managing any part of their retirement plan. It is our promise that you will never feel obligated or pressured.

 

 

The key to a worry-free retirement is having a strategic income plan created specifically for you.

CLICK HERE to book your meeting or call us at 587-755-0159.

 

Retirement Income & Investment Planners,

Willis J Langford BA, MA, CFP

Nancy R Langford CRS

587-755-0159

 

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 income 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.

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