This week, I had the privilege of sitting down for an annual review meeting with long-time clients of mine… let’s call them Jane and John. I’ve worked with them for 11 years, and every time we meet, I’m reminded why I love doing what I do as a Financial Advisor in Calgary.

Jane and John are the kind of couple you don’t read about in the headlines. They’re not flashy or high-earning. They’re everyday people. The kind of folks who quietly show up, do the work, and care deeply about their family’s future.

Jane retired from her retail job a few years ago. After years of working long shifts and giving so much of herself, she realized she was burnt out and underappreciated. John is still working in construction, a physically demanding job that has taken a toll over the years. 

But as we reviewed their financial plan this week, I walked away from the meeting feeling proud… not of me, but of them. Because Jane and John have managed to save over $400,000 for retirement.

Let that sink in.

This is a middle-income couple. They raised four kids, including one with autism. They live in a modest home in a good neighbourhood. They haven’t lived extravagantly. They’ve lived intentionally, choosing, again and again, to plan for the future.

What Did They Do Right?

There wasn’t one secret move or magic investment. What worked was consistency, commitment, and a lot of heart.

Here’s what Jane and John did that made all the difference:

1. They Got Started, Even When It Felt Hard

When money was tight, they still found a way to save. Maybe it was $50, maybe it was $100, but they saved. And that habit became the foundation of their retirement planning.

2. They Increased Their Contributions Over Time

As debts were paid off and their financial breathing room grew, they didn’t splurge. They nudged their savings a little higher. Just enough to keep building momentum without feeling deprived.

3. They Showed Up for Their Annual Reviews

Every year, we sit down and review their plan. These meetings are simple, but powerful. Financial planning isn’t just about charts and projections, it’s about staying on track and making course corrections when needed. I’ve seen it time and again: clients who consistently meet for their annual reviews tend to do better financially.

4. They Secured Their Son’s Future

Jane and John didn’t just think about their retirement… They thought about their son. They opened and contributed to an RDSP (Registered Disability Savings Plan) to ensure he’d be taken care of, long after they’re gone. That kind of foresight matters more than words can say.

5. They Didn’t Give Up

There were plenty of opportunities to throw in the towel. To say, “This is too hard,” or “We’ll never save enough anyway.” They could have spent the money on vacations or upgrades. But they didn’t. They stuck with the plan, even when it wasn’t easy.

Why This Matters

Without that $400,000 nest egg, Jane and John would be heading into retirement trying to live on government pensions alone. John’s CPP is higher than average, but even so, it wouldn’t be enough. Their savings will now allow them to supplement their pensions and enjoy a retirement with dignity, comfort, and choices.

That’s what retirement planning is really about. It’s not about chasing millions. It’s about having options. It’s about being able to say yes to dinner with friends, helping a grandchild with school, or simply enjoying a quiet morning without financial stress.

Real People. Real Progress.

I share Jane and John’s story (with permission and names changed, of course) because I want other families to see what’s possible.

You don’t need a six-figure salary or a perfect life to build a strong financial future. You need a plan. You need a partner. And you need to believe that small, steady steps really do add up.

If you’re wondering whether you can do the same, I’m here to say: Yes, you can.

If you want support with financial planning, investing, life insurance, debt consolidation or just someone in your corner for the long haul, reach out. I’d love to help you write your version of this story.

Looking for a Financial Advisor in Calgary?
Let’s talk about where you are, where you want to be, and how we can get you there.

Disclaimer:

World Financial Group Insurance Agency of Canada Inc. (WFGIA) offers life insurance and segregated funds. World Financial Group Canada Inc. (WFG) offers mutual funds through WFG Securities Inc. (WFGS). This commentary is for informational purposes only and is not intended as financial, legal, or tax advice. Always consult with a licensed professional regarding your personal situation.