September 8, 2026
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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July 31, 2026
Which Retirement Account to Draw From First
Retirement withdrawal strategies can save you thousands in taxes. Learn the smartest order to draw from IRAs, 401ks, and brokerage accounts to protect your wealth....
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July 28, 2026
The Retirement Plan Settings Most People Never Turn On
Optimize your 401k plan settings with automatic escalation and timing tricks. Learn how to increase retirement savings effortlessly without impacting your budget....
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July 28, 2026
2026 Retirement Plan Contribution Limits and the New Catch-Up Rules
Understand the 2026 retirement plan contribution limits and new catch-up rules. Learn how age-based adjustments and IRS shifts affect your 401k and IRA strategy....
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July 21, 2026
How to Find Old Retirement Accounts From Former Employers
Find old retirement accounts from former employers easily. Learn how to track down lost 401(k) plans and reclaim your investments using free search tools....
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July 21, 2026
What Happens to Your Retirement Plan When You Leave a Job
Understand what happens to your retirement plan when you leave a job. Learn about 401k rollover options, different plan types, and how to manage your accounts....
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July 14, 2026
How to Have More Money in Retirement: The Income Coordination Guide
Income coordination strategies can help you have more money in retirement by optimizing withdrawals, reducing tax burdens, and managing Medicare costs effectively....
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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.
Important information about our firm is on our Disclosures page. 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.
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, professional about your situation.
© 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
