Single Retirees Over 55 Blog Articles

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Retirement Income & Tax Planning, Calgary
  • Aug 23, 2023
  • Willis Langford

Using Annuities As a Guaranteed Cash Flow Strategy in Retirement

Fixed Income Part of a Retirement Plan     What happened to bonds?   The traditional model of creating a retirement portfolio using a 60/40 mix of equities and bonds is broken.  You end up with 40% of your portfolio adding little. . .

Retirement Income Planning, Calgary
  • Jul 08, 2021
  • Willis Langford

The 5-Year GIS Strategy Starting At Age 65

The following is a multi-year GIS tax-free income strategy that anyone who doesn't have a DB pension can use. It requires some pre-planning and prep work in advance of turning 65. Although this strategy can be utilized by anyone, it is best. . .

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 Planning, Calgary
  • Jan 03, 2021
  • Willis Langford

A Retirement Transition Guide Just For Women

The average age of a woman becoming a widow in Canada. . . is 56 - much younger than most of us would have thought. That's an interesting stat and one you need to be aware of if you are a married woman, as there is a high likelihood that at some. . .

Retirement Income Planning, Calgary
  • Dec 14, 2020
  • Willis Langford

Who's Going To Look After You When You When You Get Old?

The loneliness is killing me. All I do is sit and cry all day long.  The words of a 86 year old widow. According to a 2016 stat, there were 2 women for every 1 man in the over 85 categories. Visit a long-term care facility and see the. . .

Retirement Income Planning, Calgary
  • Nov 29, 2020
  • Willis Langford

A Retirement Guide For Widows

I was surprised when I learned that the average age of a woman becoming a widow in Canada. . . is 56. It's not the picture most of us have. That's an interesting stat and one you need to be aware of if you are a married woman, as there is a. . .

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

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