Business Details
37 Years
experience
Your Trusted Financial Partner Since 1989
Langlois Financial Services has been a trusted member of the business community since 1989, dedicated to helping clients achieve lifelong financial goals. Our team of advisors brings over 100 years of combined experience in personalized financial planning, specializing in investment strategies, tax and estate planning, insurance solutions, and employee benefits. We prioritize understanding each client's unique needs to build customized portfolios that align with their risk tolerance and long-term objectives. Our commitment to maintaining industry certifications and staying ahead of market trends ensures clients receive up-to-date, strategic advice.We believe in fostering trust through transparency, personalized service, and a dedication to client education, ensuring financial decisions are informed and confident. Our approach combines sophisticated planning tools with a focus on minimizing tax liabilities and maximizing returns, tailored to individual circumstances. We host educational events and client appreciation activities to strengthen relationships while providing ongoing support for evolving financial needs. Our reputation for integrity, accessibility, and results-driven service has made us a preferred partner for individuals and businesses seeking comprehensive financial solutions.
Services
Investment Planning
Retirement Planning
Tax and Estate Planning
Insurance Solutions
Employee Benefits
Details
- Year established: 1989
Highlights and features
- We have over 100 combined years of experience in financial planning.
- Our team holds professional certifications in financial advising.
- We offer personalized, client-focused investment strategies.
- We maintain transparency in all financial recommendations.
- We host educational seminars to keep clients informed.
What people say
Exceptional customer service
Personalized financial strategies
Knowledgeable and trustworthy team
Helped achieve retirement goals
Transparent and ethical advice
Services
Investment Planning
Our investment planning service creates customized portfolios aligned with your risk tolerance and financial goals. We analyze market trends and economic factors to develop strategies that maximize returns while minimizing risks. Clients benefit from ongoing portfolio reviews and adjustments to ensure their investments remain on track for long-term growth.
Retirement Planning
We design retirement plans tailored to your lifestyle aspirations and income needs. Our approach considers tax implications, pension options, and savings strategies to ensure financial independence during retirement. We help clients navigate RRSPs, TFSAs, and other vehicles to build sustainable income streams for their post-career years.
Tax and Estate Planning
Our tax and estate planning services minimize liabilities while protecting your legacy. We implement strategies to reduce taxable estates, facilitate smooth asset transfers, and ensure compliance with legal requirements. Clients receive guidance on wills, trusts, and charitable giving to optimize their financial legacy.
Insurance Solutions
We offer comprehensive insurance products to safeguard your financial future against unforeseen events. Our solutions include life, disability, and critical illness coverage tailored to individual and business needs. We help clients understand policy options and select coverage that aligns with their protection requirements.
Employee Benefits
Our employee benefits programs help businesses attract and retain talent through competitive benefit packages. We design solutions incorporating health, dental, and retirement benefits while considering cost-efficiency and employee satisfaction. Clients receive ongoing support to manage plan administration and compliance.
People
Michael Langlois
Founder and President
A Certified Health Insurance Specialist and Million Dollar Round Table member, Michael has over 30 years of experience in financial advising. He specializes in investment, estate, and tax planning, helping clients achieve long-term financial security through personalized strategies.
Brian Langlois
Certified Financial Planner
With over 20 years at Langlois Financial, Brian is known for his attention to detail and innovative solutions. A Million Dollar Round Table member, he focuses on creating comprehensive financial plans that address clients' unique needs and goals.
Kevin Ramcharan
Financial Security Advisor
Kevin brings eight years of experience from Sun Life's Group Life and Disability department. He specializes in educating clients about financial preparedness for life-changing events, ensuring their future security through tailored insurance and investment strategies.
Charmaine Langlois
VP of Accounting and Promotions
Charmaine combines her accounting expertise with event planning skills to enhance client engagement. She organizes educational seminars and appreciation events, fostering strong relationships between the firm and its clients.
Jeannie Little
Office Manager
With a background in mortgage, banking, and investments, Jeannie ensures smooth daily operations. Her experience as a Regional Office Manager at London Life informs her approach to client service and administrative efficiency.
Questions
What is the difference between RRSP and TFSA for saving?
RRSPs offer tax deductions now with taxable withdrawals later, while TFSAs allow tax-free growth and withdrawals. Your income level and time horizon determine which is better for your specific goals.
How does creditor insurance differ from individual insurance?
Creditor insurance underwrites at claim time, while individual insurance underwrites at application. Creditor policies only guarantee the right to apply at claim time, potentially resulting in declined benefits.
What is dollar cost averaging?
This strategy involves investing fixed amounts regularly, buying more shares when prices are low and fewer when prices are high, reducing overall risk and average purchase costs over time.
Can I deduct mortgage interest in Canada?
Mortgage interest generally isn't tax-deductible, but we offer investment strategies that can create tax deductions over time while building future savings through strategic financial planning.
Why should I start saving early for retirement?
Starting early leverages compounding interest, significantly increasing retirement savings. A 25-year-old needs to save half as much monthly as a 30-year-old to reach the same retirement goal at 65 with 5% returns.
Is group life insurance sufficient for personal needs?
Group insurance through employers isn't owned by you and disappears when employment ends. Personal insurance ensures continuous coverage regardless of employment status or health changes.
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