Understanding OAS & CPP Blog Articles

  • Home
  • Understanding OAS & CPP Blog Articles
Retirement Income Planning, Calgary
  • Jul 13, 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
  • Jun 29, 2021
  • Willis Langford

Everything You Need To Know About Your Government Benefits

Now Online Access For You   Our Entire Presentation is now online for free:    "Everything You Need To Know About CPP, OAS, GIS, PRBs, & More"   This is a 6 part presentation and you will receive 6 emails over the course of. . .

  • Dec 03, 2020
  • Willis Langford

In The Media and Around the Web

Globe and Mail Articles   Decluttering a tangled mix of stocks, bonds, and mutual funds is a must before retirement    Feel-good funds with positive returns draw legions of responsible investing fans - Toronto Star How much money. . .

Retirement Income Planning, Calgary
  • Nov 21, 2020
  • Willis Langford

Should You Take Your CPP Early? - Before You Do, Read This!

It's a question we get asked often: Should I take my CPP at age 60 or wait? The short answer is NO, the long answer is YES. There are too many variables to be considered to be able to make an instant decision on when to start CPP. Once you. . .

Retirement Income Planning, Calgary
  • Oct 27, 2020
  • Willis Langford

Over 65, Collecting CPP and Still Working? Why It Makes Sense To Keep Making Contributions

If you are between the age of 65 and 70 and still working you have an opportunity to continue to contribute to CPP and earn as much as 18% returns on those contributions as Post Retirement Benefits - guaranteed and indexed for the rest of your. . .

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

CPP Benefits for Widows, Widowers, Children & The Disabled

You can't benefit from what you do not know. And, when it comes to your CPP benefits it is up to you to know what you can benefit from. They do not have a person in Ottawa reviewing the files of Canadians to see if they are entitled to more. . .

Retirement Income Planning, Calgary
  • Sep 20, 2020
  • Willis Langford

Are CPP Contributions Worth It for the Incorporated Business Owner?

Are CPP Contributions Worth It for the Incorporated Business Owner? A Case Study in the Cost/Benefits Analysis of business owners making CPP Contributions Current Situation with new 2021 numbers  The CPP program is a pension plan that was. . .

Retirement Income Planning, Calgary
  • Aug 30, 2020
  • Willis Langford

What Happens To Your CPP & OAS if You Retire Outside Canada?

Many Canadians are choosing to live in another country during retirement. So what happens to your government pensions if you decide to move to a warmer climate outside of Canada? It depends on how long you lived and worked in Canada. . . .

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