What You Cannot Buy In Retirement

Calgary Retirement Income Planning

I often think about this story from Daryl Diamond. Imagine you are going on a 2-week all-inclusive vacation. But, this time, you are going to do it all differently. You are actually going to splurge and do all the extra little things. Rent the Seadoos. Go on some excursions. Take the jungle tour. Go to town. You're gonna spend some money.

Then you whisper to your spouse. "Let's take it easy on the first week and get used to the place and then the second week we'll do all of those things. At the beginning of the second week, it rains for 3 days and then one of you gets sick for the last 4 days and you go home without doing anything. 

Sad, and it happens all of the time, especially with retirement planning, retirees think they have lots of time and they put off enjoying retirement too long and they spend their days in doctor's offices and hospital lineups.

See, you can't buy more time. Once it's gone, it's gone. The time spent with our family. The special occasions. The trips. You can't relive these opportunities.

Retirement is a long time, but you need a combination of these key ingredients to make the most of it:

Money - In fact, money will determine the scope of your retirement lifestyle. Your ability to achieve many of your retirement dreams and goals will be based on how much money you have.

Health - Without your health, nothing else matters. Money can help with better treatments, but you will be limited in realizing your goals and dreams. 

Time - You can have great health and lots of money, but if you won't pull the trigger and go for it - well, you are actually wasting away your health and your money. Don't die with a full bank account, but an empty and unfulfilled retirement. Remember - you can't buy back time.

A Plan - You would not set out on a trip without a plan, a map, or a direction. We can't help you with your health or time, but we can help you create a plan - it's what we do, and we can ensure you don't run out of money. Call us and set up a time when we can sit down and discuss your individual plan. We have all kinds of strategies that we can implement together to help ensure your best possible retirement outcome.

We have...

  • Portfolios to reduce volatility (Here's one company we work with - Watch the Video)
  • Investments that can produce a steady income
  • Investments with guaranteed monthly income
  • Tax-efficient income
  • Tax saving strategies that will add $1000's to your lifestyle
  • Accountability
  • You always deal with us to help you decide the right steps

The last ingredient that is like the icing on the cake is PURPOSE. Knowing you have enough money helps you go to sleep at night, but having a reason to get up in the morning gives you purpose. If you have both, consider yourself blessed. 

If you would rather spend your time in retirement out enjoying life instead of worrying about money, then Book a meeting in our calendar below and we will help you get clarity around your retirement goals and dreams. 


Retirement Income, Investment & Tax Planning,

Willis J Langford BA, MA, CFP

Nancy Langford CRS


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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

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