6 Critical Conversations You Should be Having Before You Retire

Quality Retirement Planning, Calgary

The surveys and statistics are overwhelming. Most Canadians are entering Retirement with no plan. Maybe that's not entirely true. Because no plan is a plan - it's a plan to fail!

The fact of the matter is that most Canadians do not plan to retire. It just happens. You show up for work one day and they tell you that you are being phased out. Here's a package and good luck!

That actually happens far more often than you realize. Apparently, most of Canadians don't even like the word Retirement. It's now the "R" word. So, let's assume you do want to "R" word, what are the critical conversations you should be having?

Clarity around your Values - in Writing

  • What's important to you about money
  • Are you and your spouse on the same page financially
  • Spend it all or keep some as an inheritance

Clarity around your Goals - in Writing

  • What's on your bucket list 
  • What's your Ideal lifestyle
  • Travel or stay put
  • Start a business, volunteer, vacation property, mission, paint, teach

Simplify Finances - Getting Your Financial House in Order

  • What do you actually need to keep
  • Where are all your documents
  • How do you apply for CPP and OAS or other pensions
  • Do you still need life insurance
  • How will you pay for medical expenses

Simplify Finances - With a one page summary

  • Sources of income
  • Sources of debt
  • Insurance
  • Expenses

Understanding Fees -  Costs and Value and impact on your Plan

  • What is your total cost of investing/planning
  • Are you getting value from those fees

Quality Retirement Plan - The value of a properly written plan 

  • How will a Retirement Plan help 
  • How does it save me time and money
  • Is it comprehensive (income, taxes, debt)
  • Does it coordinate with the other professionals You need
  • Will it be shared with the whole family
  • How often will it be updated

There is more to a Quality Retirement Income Plan than you can imagine. There are too many scenarios to cover them all. A quality retirement plan can save you and your loved ones a lot of grief down the road. Planning now can save you on needless fees. Save on family conflicts. Save time.

Attend one of our seminars on Retirement Income Planning Strategies - Click here for more details! 

Want to retire in the next few years? Click here to Book Your $500 Retirement Income Plan


Your Retirement Income Planning Specialists,

Willis and Nancy Langford






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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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