Retirement Lifestyle Blog Articles

  • Home
  • Retirement Lifestyle Blog Articles
Retirement Income & Tax Planning, Calgary
  • Aug 24, 2023
  • Willis Langford

The Missing Link To A Happy Retirement

The missing LINK to a happy retirement     I got the idea somewhere. I just can’t remember where, but it goes like this.   The 3 keys to happy retirement (life) are as follows:   Something to do. Someone to do it with,. . .

Retirement Income & Tax Planning, Calgary
  • Mar 05, 2023
  • Willis Langford

Where To Find A Good Job For Your Retirement

Where can you find a job? Some retired people want to work because they like having something to do each week. Some want to do a job completely different than what they did during their careers. Some want to contribute in a way that's. . .

Retirement Income Planning, Calgary
  • Sep 27, 2022
  • Willis Langford

Keeping Your Emotions In Check In The Midst of So Much Volatility

How do you keep your emotions in check in the midst of so much volatility? It's been a rough year on your portfolio, and you are most likely down more than 20% on average. It's been one of those rare years where everything is down,. . .

Retirement Income Planning, Calgary
  • Sep 20, 2022
  • Willis Langford

Why Financial Decisions Are So Difficult

Why are financial decisions so difficult? Buying a first home. Upsizing. Downsizing. Taking a new job. Investing.   Here's what I think is the biggest challenge of our time. Headlines that grab our attention. Look at these from the past. . .

Retirement Income Planning, Calgary
  • Sep 18, 2022
  • Willis Langford

What Will Matter Five Years From Now?

There was a man who was walking to work and to his misfortune, he fell into a manhole. His friends came and helped him out of the manhole and he made his way to work. The very next day, he was on his way to work, and once again, he fell into the. . .

Retirement Income Planning, Calgary
  • Sep 15, 2022
  • Willis Langford

What We Learn From Failure and How It Defines Us

On January 1, 1929, the Golden Bears faced the Georgia Tech Yellow Jackets at the Rose Bowl in Pasadena, California.  Midway through the second quarter, Riegels, who played center on both offensive and defensive lines picked up a fumble by. . .

Retirement Income Planning, Calgary
  • Jul 23, 2022
  • Willis Langford

The 3 Ingredients For The Perfect Retirement

You didn't think it was possible to have the perfect retirement, but it is, and it has 3 key ingredients - time, energy and money. When you are young you have energy and time, but no money. As an adult you have energy, maybe the money,. . .

Retirement Income Planning, Calgary
  • Jun 29, 2022
  • Willis Langford

Managing Risk In Retirement

Life comes with an element of risk that cannot be avoided. Every time you leave your house you are exposed to a whole realm of risks. A risk of getting into an accident. Slipping and falling or being the victim of someone else's negligence. . . .

Retirement Income Planning, Calgary
  • Jun 17, 2022
  • Willis Langford

Tips For Staying Ahead of Inflation

Every day you are faced with another increase in the cost of living. Your natural reaction to inflation is to tighten and stop spending, but I don't think you have enough time to lose in life to always be waiting. Life is short. Retirement is. . .

Retirement Income Planning, Calgary
  • Jun 03, 2022
  • Willis Langford

Inflation and The Impact It Has On Your Portfolio

The big story of 2022 has been inflation. I recently checked the price of a hotel in Kalispell, MT for the month of July and the mid-week nightly rate at The Hampton Inn would set me back more than $500/night. A bag of avocados has more than. . .

Retirement Income Planning, Calgary
  • May 28, 2022
  • Willis Langford

What Does It Mean To Have Your Total Financial House In Order?

What Does It Mean To Have Your Total Financial House In Order? Most Canadians have many financial products spread from one institution to another. Life insurance, group health and dental benefits from work, group RRSPs, LIRAs and pension plans. . .

Retirement Income Planning, Calgary
  • Mar 20, 2022
  • Willis Langford

Staying Focused On Your Retirement Goals

The year was 2009. The month was February. The financial crisis had recently happened. Things were a little bleak - similar to now. We decided as a family to go on a cruise from Long Beach, California. The flights were too expensive so we jumped in. . .

Retirement Income Planning, Calgary
  • Sep 26, 2021
  • Willis Langford

How Do You Go Back To The Way It Used to Be? You Don't

Where do we go from here? It's September 2021 and we are closing in on 2 years of living in a pandemic. Being the optimistic people we are, we want to believe that at some point in the not too distant future someone will announce it's all. . .

Retirement Income Planning, Calgary
  • Aug 22, 2021
  • Willis Langford

Inspiring Stories of Clients Living their Ideal Lifestyle

                    I have always admired those who attempt and achieve great things far beyond what the average person does. Paul is one of these people. He appears to be an ordinary person and he has done. . .

Retirement Income Planning, Calgary
  • Jun 09, 2021
  • Willis Langford

6 Self-Sabotaging Behaviours That Can Ruin Your Retirement

Shocking Stat If you track 20 people from age 50 onward, here's what will happen by age 70.   According to the Canadian critical illness table from 2008, 1. 5 will have died and 8. 5 will be dealing with a life-threatening illness. That. . .

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

When Should Retirees Downsize Their Homes?

For most people, retirement comes with two concurrent events, more free time and an empty nest. The period of life when a lot of people are retiring from work coincides with when their youngest children are leaving home.   Consequently, most. . .

Retirement Income Planning, Calgary
  • Feb 06, 2021
  • Willis Langford

3 Ways Couples Can Get On The Same Page Prior To Retirement

How can couples get on the same page prior to retirement? A couple of years ago, Nancy and I attended a marriage enrichment seminar. It was a Friday evening and a Saturday morning event. I even think it was my idea and I signed us up and paid. . .

Flat-Fee Retirement Income Planning, Calgary
  • Jan 31, 2021
  • Willis Langford

Are You & Your Spouse On The Same Page With Retirement?

When you are married it's impossible to move forward into your ideal lifestyle if you and your spouse are not on the same page, especially with money and retirement. You have competing visions and at some point, you both have to get on the same. . .

Retirement Income Planning, Calgary
  • Jan 16, 2021
  • Willis Langford

A Retirement Transition Guide For Men

Why do men struggle with retirement more than women? I know this is a generalization, but I do think it is a serious and prevalent concern. Based on our experience in talking with men and based on our reading and research there are many issues. . .

Retirement Income Planners, Calgary
  • Jan 03, 2021
  • Willis Langford

10 Tips For Staying Upbeat in A Downbeat World

News from the storm cellar. . . The easiest thing to do right now is to succumb to the fear and panic that prevails in our world, but it will only lead to despair and hopelessness. Here are some practical strategies for staying positive during. . .

Retirement Income Planning, Calgary
  • Dec 31, 2020
  • Willis Langford

Retirement Checklist For Those 55+

Is Your Financial House In Order?     Self-Assessment For Pre-Retirement Income Planning  People retire for different reasons and at different ages. Some have a plan and have time to prepare and for others, it is forced upon them to no. . .

Retirement Income Planning, Calgary
  • Aug 08, 2020
  • Willis Langford

All The Money In The World

Have you ever seen the movie, "All The Money In The World"? It's the true story of the Getty Oil empire. I'll try not to ruin the movie for you in case you have not seen it yet. But, I'm sure you know where this is going. Mr. . . .

Fee-only Retirement Income Planning, Calgary
  • Jun 06, 2020
  • Willis Langford

Retirement Success Stories - Learning From Others So You Can Retire Better

I recently sat down with a few different guys to discuss their transition into retirement. I first met with Bruce for a coffee and to discuss his transition into retirement. I met Bruce and his wife a few years ago when they attended one of our. . .

Retirement Income Planning, Calgary
  • Mar 08, 2020
  • Willis Langford

5 Distractions That Can Ruin Your Retirement

I asked Anne, a recent retiree, what advice she would offer to other people who are getting ready to retire and I was surprised by her response. She said, "be leery of people who think you have all the time in the world to help them with their. . .

Retirement Income Planning, Calgary
  • Jan 18, 2019
  • Willis Langford

5 Priorities for a Successful Retirement Transition

Perhaps you know the illustration of the physics teacher who gave his students a wide-mouth mason jar. He then gave them five big rocks, a handful of marbles, a container of sand, and a glass of water. He said, “You’ve got fifteen seconds to put. . .

Quality Retirement Planning, Calgary
  • Oct 11, 2016
  • Willis Langford

4 Major Pitfalls to Avoid in Retirement

Problem: Miss one of the four key numbers in your calculation, and you could be headed for disaster.   Four Major Pitfalls of Investing in Retirement  Investing in retirement can be tricky, as it requires that you consider several factors. . .

Quality Retirement Planning, Calgary
  • Sep 18, 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. . .

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. . .

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



Subscribe