Coyle Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor Coyle
Are you looking for a financial advisor to assist with your financial planning and retirement planning? If so, you’ve come to the right place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First off, congratulations on being smart enough to seek professional help in this critically important part of your life.
As you are aware, we only get one chance at life and one chance to do this right. Life goes by way too fast. If we decide to go it alone and come in short of where we need to be, it’s often challenging to make up for lost growth. The longer you put this off, the harder it will be to come back and reach your financial goals. According to a recent Forbes survey, just 52% of individuals ask for the help of a financial advisor or financial planner. Forbes also revealed that investors who do use professional help have more profitable financial gains than people who do not. It’s wise to find help from a good financial advisor.
Lots of people start with basic questions like: (1) How much savings do I need to retire? (2) How much to save for retirement? (3) How much do I need to save for retirement? (4) What alternative investments can I invest in? (5) SEP IRA vs ROTH IRA, which is better? The list of questions goes on and on. Finance and investing can be very complex and mind blowing sometimes.
We specialize in providing simple, proven and very effective financial strategies to help clients reach your financial and retirement goals. After all, we realize if a solution it too difficult to learn, it will be too challenging to use and review and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Coyle
Our first goal in financial planning and helping you reach your financial goals is to first get a benchmark of where you are today financially. Are you on track to achieve your financial and retirement goals? Many people have no idea in the world. As we know, before you can get to where you want to go, you first need to learn where you are at this time.
With our plan and with keeping things easy, we have developed a series of our own, custom retirement calculators like; a retirement savings calculator, a retirement planning calculator and various retirement planning tools that are really easy to use, yet very effective. Our simple retirement calculators are totally free to use and they are online, so you can log on and use them at any time it is convenient with you and your schedule.
Many of our clients use them very often running various “what it” ideas to see how small changes in their financial planning can impact their end results. The first simple retirement calculator we suggest you begin with could not be any simpler to use. You simply plug in your age, the age you wish to retire, the amount you currently have saved for retirement now, how much you invest on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently getting on your investments and the rate of return that you hope you will achieve during your retirement years. That’s all there is. Now you simply click the calculate button.
The results of your numbers pull up right away. It will tell you if you are on track to obtain your retirement goals or not, and if not, it will show you exactly how far away you are in funds, years and percentages. If you are not on goal, it will even show you the four critical areas that you can make changes to to be sure you reach your goals. Based on your findings you can go back and key in some different combinations of amounts and keep going back and forth and find out if you can reasonably make changes to achieve your investment goals.
It’s really very fun to do. For most people it’s a real shocker. Finding out where you are now and being honest about your current finances is half the battle.
Note: We work with a lot of high net worth clients who love using our plans to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the Government grid. However, many of our clients consider themselves to be pretty average.
If you are not on track to achieve your investment goals, please don’t be discouraged. Today 61% of Americans fear running out of money during retirement more than they fear death itself! Our objective and our job is to work with you and help you get your finances on track and help you create a lifetime, tax-free retirement income that will last as long as you do.
Coyle Financial Planners
As financial planners, often our next step is to help protect you from spending more than you should on taxes and also protect you from what we believe will be, future tax rate increases. Did you know that the dollars most Americans spend on taxes is the single largest financial cost of their life? Many people have no idea, yet it is true for most of us. The average American spends more on taxes than they do on their mortgage payments, car payments and college for their kids, etc.
That’s why it is so important for us to focus on this major expenditure and reduce your taxes as much as you can. We believe that our primary financial program that we happen to call The Barefoot Retirement Plan is the single best way to protect yourself and save on taxes that is legally allowed in this fantastic country of ours. It truly is that powerful. In a nutshell, this is how our program works.
You contribute after taxed dollars to the plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our program requires you to pay the tax on the money before you put them in. On the surface this may not appear as good as your IRA or 401(k) but please trust us. We will clearly demonstrate how our program will significantly out perform these other plans, without a doubt!
You funds then grow tax differed within your account. If you need the funds for any reason at all like sickness, an unexpected expense, an unexpected opportunity or investment, university savings or anything at all, you can simply take your money out at any time. We will show you exactly how you will be able to take out your funds at any time with zero penalties, no fees and no taxes.
Then, when you retire, 100% of your retirement funds that you pull out to live on are completely and totally free of taxes. This is such a big thing. At the time this is being written, Bernie Sanders is running for President. He is suggesting a 92% top Federal marginal tax rate. Yikes! Plus last week the US debt just surpassed the 19 Trillion mark. (If you look at our National Debt Clock, it will shock you.) It only took us 13 months to go from 18 trillion to 19 trillion. With the way things are going these days, most experts believe that our future tax rates will have no choice but to rise sharply.
By setting up a Barefoot Retirement Plan you can completely protect yourself from needing to pay any taxes on the funds you pull out. This one benefit alone can make or break most people’s retirement plan.
Retirement Planning Coyle
The next step we take in our retirement planning is to get you protected from market losses. Second to taxes, market losses are the next big thing that can end your retirement dreams and keep you working for much longer than you hoped to. Many investors lost upwards of 50% of their accounts in the Dot Com crash of 2000. Then, just as soon as many of them were just getting back to where they were before the last crash, we had the next market crash of 2007/2008 and many investors lost another 40% to 50% of their retirement accounts.
Millions of hard working Americans were just getting ready to begin retirement. When the crash triggered and they lost about half of everything they had spent a lifetime creating, it was devastating. That is why the team at Oklahoma City Financial Planning Pros works so hard every day. We work to get our clients 100% protected from stock market losses and crashes, and yes, it really is possible.
With our powerful plan you are completely guaranteed not to lose a single dime due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this gives to our clients. Imagine how much easier you could sleep at night knowing that you were 100% guaranteed not to lose a dime in market declines. This one feature alone can make the difference between you having the retirement of your dreams or being wiped out.
When you get our plan set up, when the market goes up, you lock in your gains each year. When the market goes down, you lose nothing and your previous gains are locked in and protected from losses. This plan is smart on steroids.
Wealth Management Coyle
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the powerful benefits of our unique and patented flagship program that we offer is that our program gives you the option, if you wish to use it, to leverage your returns and actually earn 2 different returns, on the exact same funds, at the same time. Yes, we know the first time you hear this, it sounds too good to be true and may even question if it is legal. We assure you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have mostly been used by wealthy families, politicians and huge corporations. Believe me, they certainly know the best ways to protect their funds from taxes and losses. That’s why they use these plans so widely. Now these plans are more available to the average investor and not just the rich.
Here is a high level look at how the leveraging option could work. Many clients choose the blended index option that has a zero percent floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up twenty percent in a given year, you earn seventeen percent on your funds, and your gains are always locked in. Or, if the value of the indexes goes down twenty percent, you maintain your zero percent floor and have no losses at all.
You then have the option to borrow the majority of the money from your account. (You have to do this correctly and we’ll show you how), and you can then invest that money into ANYTHING under the sun that you wish. You don’t have to get permission from anyone to do this. You are not limited to a list of investment options. You can choose to put your money into anything you want or need to, no problem.
Let’s use an example. Say you have 100k in your Barefoot Retirement account. That $100,000 earns between 0% to seventeen percent each year. Then you decide to borrow $80,000 from the account and put it into a sweet real estate deal you found. Since you borrowed the funds from your account and did not take them out, your account value remains 100k and you continue to earn the zero percent to 17% on the entire $100,000 account value.
Additionally you earn whatever return you get on your $80,000 that you put into your real estate deal. So you are affectively earning 2 different returns on the same money at the same time. This is a powerful strategy and can have a very positive impact on your total returns.
We could go on and on about all of the many benefits of this unique plan but we are limited in space here. The best way to get more information on this program is to give us a call. We’re happy to speak with you and answer any of your questions. More importantly we are happy to schedule a free 15 minute phone consultation with you to best determine if this could be a good fit for you and if so, we can run some numbers and show you exactly what a Barefoot Retirement Plan would look like for you.
I encourage you to take action now. You know how things pop up and our attention can be lost in a moment. This is far too important to leave to chance. Don’t put this off. You have nothing to lose. Give us a call right now and at least take the first step towards what could be the best move of your life. We’re looking forward to talking with you.
For The Best Financial And Retirement Planning In Logan County Call Us Today At: 405-418-6266