September 29, 2026
Open enrollment tends to get five minutes and a click. Open enrollment before you retire deserves more than that. The reason is simple. Some of what you choose follows you out the door, and some of it stops the day you leave. Knowing which is which is easier to sort out in the fall than in the week you retire....
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September 29, 2026
Medicare Open Enrollment: What to Review in Your Plan
Most of a financial plan can be changed any week of the year. Health coverage is one of the few parts with a deadline attached. Medicare open enrollment runs from October 15 through December 7. Changes made in that window start on January 1. Outside it, the choices are mostly set until the next fall. Still working: if you are...
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September 21, 2026
Retirement Income Gap: Does Your Lifetime Income Cover Your Essentials?
A lot of retirement worry comes down to one question. Is it enough? It is a hard question to answer in one piece. It gets easier once you break it into two smaller ones: how much has to come from savings each month, and how much of that covers spending you could not adjust. The first of those two is...
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September 21, 2026
Retirement Income Sources: How Social Security, Pensions, and Savings Differ
For most of your working life, the money came from one place. In retirement it usually comes from several, each starting on its own schedule and taxed its own way. Those sources are not always written down in one place. That list is worth making, because how much of your income is fixed and how much depends on markets shapes...
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September 15, 2026
How to Review Your Beneficiary Designations
Reviewing beneficiary designations rarely makes it onto a list. It is also among the few parts of an estate plan you can confirm yourself, this week, without an appointment. Still working: the account most likely to be out of date is the one you set up on your first day at a job you may no longer have. Already retired:...
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September 15, 2026
Beneficiary Designations: Who Inherits Your Retirement Accounts
Most people picture a will as the document that settles everything. For a large share of what you own, it does not. Beneficiary designations are the forms you filled in when you opened a retirement account or bought a life insurance policy. They name who inherits that account, and for those accounts the form generally controls. Still working: your employer...
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September 8, 2026
Pre-Retirement Planning: What Changes in the Last Five Years
Most retirement advice is written for people who are either decades away or already finished. Pre-retirement planning gets less attention than either. The last five working years are where pre-retirement planning happens. They are also the years when a number of changes land close together. What changes before you retire is not the goal. It is the number of rules...
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September 8, 2026
Five Years Before Retirement: What to Handle and When
The five years before retirement feel like plenty of time, and for most of that stretch, they are. But the five years before retirement contains several rules that take effect on their own schedule. A plan built around a single date can miss them entirely. Still working: this is the stretch where the widest range of decisions is still open...
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September 8, 2026
Privacy Notice
Rev. 08/2026 FACTS Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we...
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September 8, 2026
Form CRS
June 25, 2026 Item 1. Introduction. Langan Financial Group is registered with the United States Securities and Exchange Commission as an investment adviser. Brokerage and investment advisory services and fees differ and it is important for you to understand the differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials...
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September 8, 2026
Important Disclosures
Langan Financial Group, LLC (“Langan Financial Group” or “LFG”) is an SEC registered investment adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. LFG may only transact business in those states in which it is registered, or qualifies for...
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September 1, 2026
How Past Reforms Treated People Near Retirement
Learn how social security reform history shaped current benefits and what the 1983 changes tell us about future adjustments to your retirement plan....
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September 1, 2026
What Social Security Trust Fund Depletion Means
Every few years the same headline returns. Social Security is running out. The phrase is frightening, and it is also imprecise. Social Security trust fund depletion describes something narrower than the headline suggests. The difference matters a great deal for anyone building a plan around it. Still working: your claiming date probably sits on the far side of these projections....
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August 24, 2026
Do People Over 55 Get a Tax Break When They Sell a Home?
Learn how the over 55 home sale tax break changed and how the current exclusion rules work for sellers. Maximize your gains with these strategic insights....
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August 24, 2026
Should You Downsize Before Retirement? How to Decide If, When, and Where
Consider downsizing before retirement to optimize your finances. Learn how to evaluate the if, when, and where of moving to secure your long-term plan....
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August 13, 2026
The Fragile Decade: Why the Years Around Retirement Carry Extra Risk
Understand fragile decade retirement risk and how it impacts your savings. Learn to manage sequence of returns risk to protect your financial future today....
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August 13, 2026
How to Help Make Your Retirement Savings Last
Understand how sequence of returns risk impacts your portfolio. Learn how timing affects your withdrawals and how to protect your retirement savings....
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July 31, 2026
How Social Security and Medicare Connect to Your Taxes and Spouse
Most people think of their Social Security choice as a decision on its own. You pick an age, you file, the checks arrive. But when you claim quietly reaches into three other parts of your money. Your Social Security and Medicare decisions, in particular, are more connected than most people expect. It affects your tax bill, your Medicare cost, and...
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July 31, 2026
When to Claim Social Security: Why Break-Even Math Is Only Part of the Picture
Social Security break-even math is only one factor in your claiming decision. Learn how taxes, Medicare, and survivor benefits impact your retirement income....
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July 31, 2026
The Quiet Planning Window Between Retirement and Age 73
Picture a few years where your income drops lower than it has been in decades, and where that low income is quietly an opportunity worth thousands of dollars. For many people, those years arrive and leave without anyone noticing. That is the story of the gap years. They are the stretch between when you stop working, often in your early...
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Financial Advisor Locations:
Camp Hill, PA Financial Planning Office
York, Pa Financial Planning Office
Harrisburg, PA Financial Planners
Communities Served:
Langan Financial Group, LLC ("Langan Financial Group" or "LFG") is an SEC registered investment adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. LFG may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.
You can review our registration and disciplinary history on the SEC's Investment Adviser Public Disclosure (IAPD) website and, for brokerage registrations, on FINRA's BrokerCheck. This website is for general information only. It is not legal, accounting, or tax advice. Please talk with your own legal or tax professional about your situation. Important information about our firm is on our Disclosures page.
© Langan Financial Group
Harrisburg, PA Office
Address: 1863 Center St, Camp Hill, Pa 17011
Phone: 717-288-1880
York, PA Office
Address: 3405 Board Rd, Suite 200, York, Pa 17406
Phone: 717-773-4085
