Fee Only Retirement Income Planning Process

Retirement Income Planning, Calgary

Are you over age 55 and looking to retire soon? 

 

 Are you ready to start enjoying the fruits of your hard work?

 

Want to know how much you can afford to spend to enjoy

your ideal retirement and not run out later?

 

Feeling a little frustrated with the lack of advice & planning you are

getting from your current advisor or institution?

 

Your successful retirement is built on the foundation of an unbiased Retirement Income Plan from an independent professional. As you transition into retirement, your confidence level needs to be a 10, with your total financial house in order, goals mapped out, and ready to enjoy your ideal lifestyle.

 

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 strategies you should have. 

(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)
  • 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, Corporate Dividends with all your other income sources like RRSPs, LIRAs, TFSAs, non-registered accts, CPP, OAS, etc. (Income strategy)
  • The kinds of insurances you need like final expenses, health & travel coverage.
  • How to set up your estate to easily transition your life's savings to your loved ones.

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. You don't know what you don't know but hey, that's ok, we do! We take the worry off your shoulders and ensure you retire with confidence knowing you have the best plan 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...

Book Meeting #1: At this complimentary 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. We will determine the fixed cost of your planning and sign a letter of engagement.

The flat fee range is $1500 - $3000 if you are single and $2500 - $5000 for couples - depending on complexity. The engagement covers a 30-45 day time frame. Check out this comprehensive checklist of questions your plan will cover.

Sound good? Book a meeting time that works for you by using our calendar 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 an essential service business and we are open for in-person meetings at the office for all people regardless of vaccination status. We follow all of the required COVID protocols for providing a safe environment with masking and social distancing.

Schedule Appointment

 

Sometimes our calendar is full, so Click Here and request to be added to the waiting list

 

Have Questions? Schedule a 15-minute Call

 

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 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 composition 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.

A third meeting is held 1-2 weeks after meeting #2. This gives you time to review your plan and consider the scenarios that could work for you. The purpose of this meeting is to make adjustments, answer additional questions, look at alternative scenarios, provide a final draft of your plan, and recommendations on 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 typically covers a period of 30-45 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 planning. It is at this juncture that most planning clients realize the value and importance of the strategic planning we provide. You may delegate the responsibility of implementing your plan to us by maintaining an ongoing relationship with us for full-service investment management and continued retirement income and tax planning. We call this our...

All-inclusive Ideal Client Community

Click Here To Learn More about our Ideal Client Community

 

Schedule Appointment

Click here to see what our clients say on Google reviews

 

Retirement 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.

 

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