Terry Langridge Complete Financial


I’ll help you build a personalized financial security plan. Financial security planning is about more than just retirement planning – it’s about building a financial strategy that considers your immediate needs and your long-term goals and dreams.

About me

Terry Langridge
Financial Security Advisor
Investment Representative
Terry Langridge | Victoria BC | Sooke BC | Financial Advisor

I have been an Island resident since 1990, learning most of my values in Greater Victoria, living in Saanich, Sidney, and now Sooke, listening to those with more experience than me and learning what builds a community and a home. The biggest lesson I learned is that Stress, Fear, and Embarrassment destroy a community more than anything else. To work against that, I chose to become a Financial Security Advisor, to empower my clients to make informed decisions while respecting the emotional charge around anything to do with money.

I began my career in the financial industry in 2004 when I started work with RBC DS as an assistant. I was a terrible assistant; the role did not fit my vision of supporting and educating people and building the community, so I left and started my financial practice in 2005. I bounced around a little, learning different methodologies and styles from organizations like Clarica (Now SunLife) and independent contractors in various industries and enhancing my listening and communication skills. I then joined Freedom 55 Financial (Now Canada Life) in 2006. There, I found my voice and the structure that allowed me to start to fulfill my vision. I did well as an advisor and accepted a management position in December 2007. I spent eight years in that role, recruiting, training, and supporting advisors as they become capable, beneficial, and respected - traits I believed financial advisors should possess. Again, I did well. Repeatedly, I received national recognition as a top 10 manager in the company. I loved my role, but being the first in and the last out while often putting 60-80 hours of work a week kept me from my family. By 2015, I knew I wanted to spend more time with my kids, to see them grow instead of just passing out cuddling them when I got home. To affect that change, I stepped out of management but remained with the company as an advisor. I thrived in this new position and followed my vision of who and what a Financial Security Advisor should be. I was generous with my time, capable of solving problems, and helped guide my clients to informed decisions while being both a respected confidant and a respected member of the community.

Now, I enjoy working with my clients, engaging with my community, and being a Dad to my two kids. I'm living the vision I had when I was in my 20s while continuing to grow and morph as a person.


Financial security planning is about more than just retirement planning; it’s about building a financial strategy that considers your immediate needs and your long-term goals and dreams.

Using the Canada Life security planning process, I’ll:

  • Help you define what financial freedom means to you
  • Help analyze your current situation, goals and dreams
  • Help identify any roadblocks to achieving your goals
  • Work with you to build a financial security plan that considers your short and long-term goals
  • Regularly review your financial security plan, ensuring it evolves with your changing needs

Four cornerstones of financial security planning

Whether your goals are long-term (such as retirement) or more immediate (such as starting a business or saving for a child’s education), I can help you build a financial strategy tailored to your needs and those of your family. In developing your financial security plan, we’ll consider the four cornerstones of financial security planning:

  1. Financial security at death
    • When you die, how can you help safeguard your estate for your family?
    • How much income will your family need?
    • How will inflation affect this income?
  2. Retirement
    • Would you like to retire early or reduce the time you spend working?
    • When you retire, what type of lifestyle do you envision?
    • How much income will you need to retire comfortably?
    • How will inflation affect this income?
  3. Liquidity
    • Do you have access to cash or liquid assets (i.e. assets that can be easily converted to cash)?
  4. Disability and critical illness
    • How would a critical illness or disability affect your income?
    • Would a reduced income affect your retirement savings and would this reduction affect your lifestyle?
    • How much disability or critical illness insurance coverage is enough?
    • If you become critically ill or disabled and take time off work, how will inflation affect your income?
    • If you become critically ill or disabled, will provisions in your group plan allow you to continue saving for your retirement?

Life stages

I want to understand your needs, recognizing they may change as you proceed through life’s stages.

Early Career

As you start your career, you may want to:

  • Purchase life and disability insurance to cover your income or protect your ability to earn an income
  • Purchase term life insurance or critical illness insurance as a cost-effective way to cover an outstanding mortgage or debt
  • Purchase health and dental insurance coverage if your employer does not offer a group benefits plan


Having children changes your life and your needs. Now is a good time to:

  • Review your financial security plan
  • Plan for your children’s education with options such as registered education saving plans (RESPs)

Business Owner

If you own your own business, you may want to:

  • Consider business continuation, buy/sell agreement funding and key person insurance as part of your business planning
  • Buy insurance to help cover outstanding business loans or mortgages if you die or suffer from critical illness
  • Purchase a health and dental insurance plan
  • Consider group insurance options for your employees


If you are retired or plan to retire soon:

  • Insurance can help supplement your income and can help you leave a legacy
  • Health and dental insurance coverage can take over if your benefits through your employer end upon retirement