Planning Before Age 55 Blog Articles

  • Home
  • Planning Before Age 55 Blog Articles
Retirement Income Planning, Calgary
  • Sep 17, 2021
  • Willis Langford

9 Questions Answered about RESPs

9 Questions Answered About RESPs  One of the greatest gifts we can give our kids is to help them kick off the first phase of their adult lives not drowning in debt. That’s what an RESP is for. It might not cover everything, but it’s. . .

Retirement Income Planning, Calgary
  • Jul 14, 2021
  • Willis Langford

Top 5 Wealth Building Strategies

The Top 5 Wealth Building Strategies   There are 5 primary ways to build wealth. Depending on how much wealth you want to build you can choose to use one or more of these strategies: High Income-earning job. If you are highly skilled or. . .

  • Aug 11, 2019
  • Willis Langford

Don't Be a Deadbeat Dead Person

Everyone leaves a legacy - some good and some bad. This is what I remember when my Grand Father died - he didn't have enough money in his possession to 'bury his ass' in the ground. My dad was so annoyed that his father didn't. . .

Stocks or Bonds?
  • Aug 09, 2019
  • Willis Langford

What's The Difference Between Stocks to Bonds

Although stocks and bonds are both good investments there are big differences between the two. The old school rule of thumb was to have a percentage of bonds in your portfolio that corresponds with your age. If you are age 60 then you would have 60%. . .

Retirement Income Planning, Calgary
  • Jul 11, 2019
  • Willis Langford

6 Steps You Should Take NOW if you want to Retire Soon

The reality is most people will spend more time planning a 2-week vacation than they will be planning out the rest of their lives. According to a 2012 LIMRA study, nearly half of retirees said they did not get to choose when they retired rather they. . .

  • Aug 10, 2018
  • Willis Langford

The 10 Mistakes To Avoid With Your Life Insurance

Talking about life insurance is as exciting as a trip to the Dentist. At least at the Dentist, you get to go home with a new toothbrush. Insurance isn't that important until you need it. If you don't have it when you need it, it is too late. . .

Retirement Income & Investment Planning, Calgary
  • Apr 09, 2018
  • Willis Langford

How To Rob A Bank

Seven years ago (2012) we were celebrating being "debt-free" and contemplating what our next financial move would be. We had a significant amount of equity built up in our house and were looking for opportunities to grow our wealth. We had already. . .

Retirement Income Planning, Calgary
  • Mar 25, 2018
  • Willis Langford

The First Step to Getting Ahead Is Getting started

I remember it like it was yesterday. The credit card offers would come in the mail. “1. 9% for 6 months on balance transfers”. Nancy and I would quickly apply and then move our balance from our current Visa with higher interest over to the new. . .

Fee-only Retirement Income Planners, Calgary
  • Feb 24, 2018
  • Willis Langford

You Will Not Retire 30% Richer With Questrade

As a Certified Financial Planner, I am shocked at how much of a doormat the financial services industry is in Canada. We've learned nothing from watching the slow-moving trainwreck within the Oil and Gas industry which waited too long and did. . .

Investments and Insurance Planning, Calgary
  • Aug 04, 2017
  • Willis Langford

Monthly contributions vs. Lump sum deposits

    Retirement Income & Investment Advisors, Willis &. . .

Investments and Insurance Planning, Calgary
  • Jun 14, 2017
  • Willis Langford

Financial Priorities For Your 30's and 40's

The financial habits you create early in life tend to follow you for the rest of your life. That's why it's important to establish priorities early in life and form good money habits that will serve you well in the later years of living when. . .

RESP Information, Calgary
  • Oct 31, 2016
  • Willis Langford

RESP Guide to Get Gov. Grant Money for your Kid's & Grandkids!

One of the proudest moments occurred in 2016 as our son, Caleb, graduated from Mount Royal University with a 4-year degree in Business. This was a proud moment because if we had caved into the constant negativity that teachers had written in his. . .

Retirement Income Planning, Calgary
  • Oct 16, 2016
  • Willis Langford

What Wealthy People Do That Others Miss

Today's wealthy investors are usually very involved in their financial matters. There is a tremendous amount of information available today on wealth management. Russ Alan Prince published, Wealth management, (Wealth Management Press 2003). . .

Quality Retirement Planning, Calgary
  • Sep 19, 2016
  • Willis Langford

6 Critical Conversations You Should be Having Before You Retire

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. . .

Calgary Financial Advisors
  • Aug 31, 2016
  • Willis Langford

The best time to plant a tree is 20 years ago. The 2nd best time is....

TODAY! The best time to start planning your financial future was 20 years ago. The next best time is TODAY.   In fact, regardless of what planning you have done so far, there's still more to do. You may not know how long you will be here,. . .

Calgary Financial Advisor
  • Mar 26, 2016
  • Willis Langford

What Financial Habits are You Teaching Your Children?

Whether you like it or not most of what you teach your children is caught more than taught. Your actions are what they   more than your words. Do you want your kids to have the same financial habits you currently have? Here's a few ideas on. . .

Retirement Transition, Calgary
  • Feb 03, 2016
  • Willis Langford

Should You Invest In Your RRSP or Your TFSA?

Should you be putting more money into your RRSP or should you contribute to your TFSA (which by-the-way has no deadline)?   Here's a couple of ideas to consider:   1. ) If you have made a significant amount of employment income in. . .

  • Nov 29, 2015
  • Willis Langford

5 Obstacles That Prevent us from Improving our Financial Health Prior To Retirement

1. ) Overwhelmed - We can sink so deeply into a hole that we can no longer see the light of day. The burden of debt can be more than we can carry and we know that we nearing a breaking point, but don't know what to do about it. Have you ever had. . .

Retirement Income Planning, Calgary
  • Nov 25, 2015
  • Willis Langford

3 Mistakes To Avoid As You Transition Into Retirement

The grasshopper watches the ant working diligently all summer long, making a home and gathering food for the winter. Thinking the ant a fool, the grasshopper spends his summer days playing in the sun and consuming whatever food comes his way. When. . .

Retirement Income Planning, Calgary
  • Oct 11, 2015
  • Willis Langford

Do You Have The Right Kinds of Insurance?

We know the importance of life insurance. . . Over the past 3 years, we have delivered more than $3 Million dollars worth of cheques to our clients. These cheques were the difference between which side of the poverty line some people would end up. . .

Calgary Financial Consulting
  • Sep 16, 2015
  • Willis Langford

4 Common Retirement Mistakes Younger Couples Make

Many young couples are still clinging to their honeymoon days and not thinking too far into the future. Though many couples appear to have the same goals, sometimes this is not the case.  In the months following marriage, one of the first things a. . .

Latest Testimonial

I contacted Langford Financial to see if they could help me with specific questions on retirement & estate planning, efficient tax strategies, CPP and OAS benefits, and income drawdown strategies. I was very nervous at first about whether they would be a good fit for my needs, but my concerns were quickly put to rest and Willis and his team made me feel at ease right from the very first meeting.

They are very easy to work with, are very knowledgeable and resourceful, are able to break down complex matters into an easy-to-understand manner, and are always quick to respond to any questions. They reviewed my situation and were able to tailor a plan to fit my specific needs, to my complete satisfaction.

The plan included amongst other things, the best way to utilize efficient income tax strategies. helped me to understand the correct drawdown of assets which would result in larger savings, and provided guidance on insurance products and efficient estate planning.

As a result, I have a much clearer picture of my financial situation now and feel very confident and satisfied with the plan that they have proposed for me, going forward. What I appreciated the most about Willis and his team was that, in addition to their friendly, personable and professional approach, at no time was there ever any pressure to purchase any products.


I am very happy with the service I received from Willis and his team and would recommend Langford Financial to anyone looking for advice on their retirement planning needs. You will not be disappointed!

Naila Jinnah

Naila Jinnah
Fee-Only Planning Client

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



Subscribe