Why You Should Be More Concerned With TAXES Not FEES

Retirement Income Planning, Calgary

Every dollar you save in taxes is not only an extra dollar that you have available to enjoy your lifestyle, but it is also a dollar you do not have to take from your retirement savings and it can be another dollar you can use to grow your income.

Low fees on investments do not equate to better returns or good advice. In your younger years when your focus is on accumulating wealth, low fees may be an advantage. However, in the retirement income years, good advice is what you will value. Advice that leads to proper planning and creating tax-efficient and sustainable lifetime income.

Proper tax planning strategies can save you thousands and in some cases millions of dollars in taxes. Don't get caught up in cheap investment advice. You get what you pay for.

It's the after-tax, and after-fee, rate of return that matters most on your investments. 

A better approach

Work with an advisor who can provide you with the best investment opportunities and also provide you with a financial plan that suits you and your unique situation and helps you reach your goals.

How often should you meet with your Advisor?

It will be more often in the early months as you are putting together a plan. Afterward, you can meet with your Advisor 2-3 times per year to review and update your plan. If you have a major life event then it would be a good time to meet with your Advisor and ensure you are on track financially and update your plan accordingly.

2 things to remember:

1. It's the after-tax and after-fee rate of return that matters, and...

2. Ensure you are receiving good planning for the fees you are paying, otherwise you might as well do it yourself.


Schedule A 15-Minute Call

Retirement Income, Investment, & Tax Planners,

Willis & Nancy Langford


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