What Is Your Next Financial Move?

Calgary Financial Advisor

Failure to plan is a plan to fail

What’s Your Next Financial Move?


Most of us are very “optimistic” when it comes to our financial future. We truly believe that we will be better off 3 months, 6 months, 1 year down the road than we are today. We definitely believe that our “retirement years” will be OK because that is so far down the road, and well, by that time we will have the house paid for and the kids will be on their own and we will have saved lots of money. 


Consider how often people take the “don’t pay until next year” offer from various retailers. We convince ourselves that by that time we will get a raise, have a better job, or have other money freed up to use for the purchase. Most retailers know that will not be the case and know that in one year from now you will be on their finance plan paying enormous rates. By the time that couch is paid for you could have furnished the whole room.


Because we are eternal financial optimists we can tend to look too far down the road when it comes to retirement preparation. The problem with becoming too future goal oriented is that we neglect the boring, day to day required steps necessary to achieve the goal.


If the goal is to pay off the couch 1 year from now and take advantage of the “don’t pay for one year” deal, then we need to start making the 12 equal payments into a savings/investing vehicle now so that in one year’s time we can pay off the couch and enjoy some return on the money we would of otherwise spent on the couch.


The same is true for retirement preparation or any goal for that matter. The devil is in the details and the details is the strategy, plan, or steps you have to take to get where you want to be.


"Failure to plan your steps will lead you further away from your goal."


Regardless of your current financial situation you still need a plan even if you do not have very much money - you can always add more money to it as you work to improve your situation. At least you will be heading in the right direction.


What’s your next move?



Let's Improve Your Cash Flow! We can help you create a Cash Flow Plan to find the money you need to fund the LIFESTYLE you want TODAY and FOREVERWhat's Next?


Share This Post:

Related Posts

Latest Testimonial

If you are nearing retirement, newly retired, or well into that stage of life and need some honest, reliable financial advice and tax planning services, I highly recommend Willis and Nancy Langford at Langford Financial. I have been working with them since the fall of 2020 and am really happy I made the switch.

I needed much better advice than I was getting from my new bank rep as I was actively preparing for retirement. I found Langford Financial online and booked a review meeting. I was happy that I was sent a complete list of all the information that would be needed prior to my initial meeting so I arrived prepared.

From that initial meeting, I decided to have Willis prepare a retirement plan for me. After we reviewed everything he had prepared, I felt much more confident in what was to come financially during retirement and how I could manage it. That's when I decided to transfer my investment portfolio from my bank to Langford Financial so they could manage it with and for me. I felt they really had my best interests at heart.

It was a pleasant surprise that their approach combined both income planning for retirement and tax planning for both the immediate future and well into retirement. This has proven to be very helpful as it has ended up saving me a lot of money (a lot!) by using credits that had been missed by the company I previously used to prepare my taxes.

I really like working with Willis and Nancy. They are very quick to answer any questions I have and can accommodate virtual or in-person meetings based on what is needed. They also produce a regular newsletter that I really enjoy. It has lots of tips in it and some very good in-depth information that helps me make better decisions---or at least ask better questions!

Moving to Langford Financial was a great decision for me. It has lead to better financial planning and decision-making and much greater peace of mind for me at this time of life.
Sharon Stroick
Full Service Client Since 2020

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