Fee Only Retirement Income Planning

Retirement Income Planning, Calgary

Are you a financially successful professional over age 55

and planning to retire soon? 

 

 Are you ready to enjoy the wealth your hard work has created?

  

Want to know how much you can spend in

 retirement and not run out later?

  

Would you like to ensure your entire financial affairs are in perfect order?

 

Are you frustrated with the lack of advice & planning you are

getting from your current advisor or your bank?

 

Your successful retirement transition is built on the foundation of an unbiased Retirement Income Plan from an independently certified planning professional.

As you move into retirement, your confidence level needs to be a 10, with your total financial house in order, goals mapped out, and a solid plan to enjoy your ideal lifestyle, so that regardless of what happens in the world, the economy, or the markets, you know you're going to be ok.

 

Our curated planning process will tell you exactly how much income you will have in retirement, when and where to take it from in the most tax-efficient manner, and the kind of investment structure you should have. Once these items are properly set up, you can then confidently spend in early retirement without worrying about running out later on. 

(Curated: "carefully chosen and thoughtfully organized or presented" ~ Webster's)

 

Creating Your Retirement Roadmap

This first part of the process is about determining where you want to go.

The only way to have the future you desire, rather than the one that will happen by default, is to create it. 

What's important to you? What do you value? What are your goals?

Imagine living a life that is fulfilling, one in which you are achieving your goals and living life according to your most deeply held values.

 

Get Your Financial House in Order

Our unbiased planning process will help you make smart choices and get your financial house in order. At the end of this process you will know:

  • The Sustainable level of income you can spend in early retirement and not run out later. (Spending strategy)
  • We create a structure for your investment portfolio to create simple, dependable, consistent and guaranteed income sources throughout retirement to combat volatility. (Investment structure)
  • How much savings you should have in reserves. (Cash-wedge strategy)
  • How to draw income from your various sources in the most tax-efficient manner. (Tax-saving strategy)
  • How to Coordinate your Stock options, RSUs, Retirement Allowances, Retained Earnings, and Corporate Dividends with all your other income sources like RRSPs, LIRAs, TFSAs, non-registered accts, CPP, OAS, etc. (Income strategy)
  • The kinds of insurance you need like travel, personal health & dental coverage, life, home & auto, and final expenses. (Risk management)
  • How to set up your estate to smoothly transition your life's savings to your loved ones quickly and easily in order to maintain family harmony.

These are just some of the 20+ strategies we use in the creation of your plan. ​There are many time-sensitive opportunities that the average retiree will miss, costing time and money, when not implemented at the right stage before and during retirement. You don't know what you don't know but that's ok, we do! The plan is to help you get your total financial house in order before you retire.

We take the worry off your mind to ensure you retire with confidence knowing you have the best roadmap in place so that you can... 

Transition Into Your Ideal Lifestyle

If this sounds like the kind of plan that you want, here's how to get started...

Meeting #1: At this meeting, we will start by laying out your financial roadmap. We'll discuss what is important to you about money - clarifying your values, prioritizing your goals, and creating a picture of your ideal retirement lifestyle. We will review your financial documents to benchmark your current financial reality and determine the next steps for you in you reaching your lifestyle goals.

There is no cost for this first meeting and at the end of this meeting, we will determine the fixed cost of your planning, outline the time frame, and sign a letter of engagement.

The flat fee starts at $2000 and increases depending on complexity. (Complexities include multiple rental properties, corporations, holding companies, business activities, RSUs, PSUs, stock options, retirement arrangements, multiple companies and investment holdings, limited partnerships, blended family, citizenship other than Canada, etc.)

>There is no cost for the introductory meeting and your planning fee is determined at the end of the meeting and you can choose how you would like to proceed - never any pressure!

>If you choose to implement your plan with us we will refund a portion of your upfront planning fee.

>There is NO minimum net worth or minimum portfolio size required to access our service.

>Our engagements cover a 45-day time frame and 3 meetings.  

Check out this comprehensive checklist of questions your retirement plan will answer. 

 

Sound good? Schedule an Appointment in our calendar (link below). You will then proceed through the online questionnaire. Your appointment confirmation email will include a list of documents to bring with you to your first meeting. If you are married, both spouses are required to attend.

We are open for in-person meetings at the office, or via Zoom for those who are unable to attend in person.

Schedule Appointment

 

Meeting #2: Two weeks after your initial meeting will be the second meeting where we present the first draft of your retirement income plan with all of the detailed strategies and recommendations for getting your total financial house in order.

  • All of your questions will be answered.
  • You'll know what your sustainable income will be in retirement.
  • When and how much income to take from your various sources.
  • How much taxes you will pay, or not pay, due to strategic planning.
  • The required structure and asset allocation of your portfolio.
  • The required rates of return. 
  • Any possible need for insurance strategies.
  • How much you can expect to leave to your heirs.
  • And, all of the recommended steps for implementing your plan are laid out in detail.
  • You will have an action list of items to be completed in priority.

 

Meeting #3: is held 1-2 weeks after your plan presentation. This gives you time to review your plan and consider the scenarios that will work for you. In this meeting, we may make adjustments to your plan, answer additional questions, look at alternative scenarios, provide a final draft of your plan, and ensure you have clarity on our recommendations for implementation.  We want to ensure you are equipped to take action because it is taking action that will get you results, and lead you to, the ideal lifestyle you desire.

The initial planning engagement covers 45 days. Then what happens?

By the time we get to this point in the process, you will be educated and empowered to make informed decisions regarding every aspect of your retirement roadmap and income plan. At this juncture, most planning clients realize the value and importance of having regular access to the strategic and ongoing planning we provide to our "All-Inclusive" Clients.

You can choose to delegate the responsibility of implementing your plan to us. You may want to continue a relationship with us for full-service investment management and retirement income and tax planning on an ongoing basis. Once your assets have been transferred in you will receive a partial reimbursement of your initial planning fee*. (*The amount of reimbursement depends on account size.)

More about our...

"All-Inclusive" Client Offering 

Click Here To Learn More

 

Schedule Appointment

 

Click here to see what our clients say on Google reviews

 

Retirement Income, Investment, & Tax Planning Exclusively For Those 55+,

Willis J Langford BA, MA, CFP

 Certified Financial Planner® 

Nancy Langford CRS

Certificate in Retirement Strategies

Our job is to help you get your total financial house in order so that

you can live your ideal lifestyle confidently,

with purpose & peace of mind.

 

Meilleurs services-financiers à Calgary

 

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