12 Keys To a Happy & Secure Retirement

Retirement Income Planning, Calgary

12 KEYS TO A HAPPY, SECURE RETIREMENT

• Start planning early. Time is your best friend.

• Clearly define your retirement vision, values, priorities, and trade-offs.

• Get expert help with financial planning. Use conservative assumptions and run sensitivity analysis. Update this annually at a minimum. 

• Don’t forget to factor in increased spending on health care as you age. There's a huge difference between public and private long-term care facilities. Which would you prefer?

• Review the asset mix of your investments. In order to draw a consistent income from your portfolio, you cannot afford to ride market volatility. Consider the cash wedge strategy.

• Change as needed to meet the objectives identified in your financial plan.

• Consider the tax implications of your plan.

• Develop a formal, written investment plan.

• Employ traditional and alternative assets for your portfolio. There are 12 asset classes to consider.

• Hire professional investment management if you can’t be confident of your or your advisor’s ability to deliver steady portfolio returns to meet your plan.

• Measure performance against your plan.

• Have fun and enjoy the time and money!

Learn more about our planning process to help you get your total financial house in order and keep it that way for life. We can ensure you have enough money to fund your current lifestyle, a plan in place that will ensure you reach your future goals, and the confidence to handle whatever comes your way.

 

Retirement Income, Investment & Tax Planning,

Willis J Langford BA, MA, CFP

Nancy Langford CRS

Our job is to help you get your financial house in order so that you can live your ideal lifestyle confidently with purpose and peace of mind. 

 

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Partnering up with Willis & Nancy for our retirement goals has been the best decision we have ever made.

Previous agents or companies only seemed interested in obtaining funds from us with no further support or contact.

Willis & Nancy have worked with us at least twice a year to make sure we are set up for success. They have been able to provide us with a visual picture of where we currently stand financially in order to determine if we are ready to retire or need a few more years. It has alleviated the stress we were feeling about retiring and having no idea of what that would look like.

For the first time, we feel confident that when we make that final decision we will be able to continue on and be financially and mentally prepared.

Deb & Garry

Debbie & Garry
Long-term Clients

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