Earlsboro Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Earlsboro
Are you trying to find a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve arrived at the right place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, congrats on being smart enough to seek professional help in this super important part of your life.
As you know, we only get one chance at life and one chance to get this right. Life goes by far too fast. If we try and go it alone and fall short of where we need to be, it’s often challenging to make up for lost funds. The longer you delay, the more challenging it will be to produce better returns and reach your financial goals. According to a recent Forbes survey, only 52% of individuals ask for the assistance of a financial advisor or financial planner. The survey also found that pre-retirees who do look for professional help have stronger financial performance than pre-retirees who do not. It’s really smart to get help from a experienced financial advisor.
Lots of people start with basic questions like: (1) How much money do I need to retire? (2) How much to save for retirement? (3) How much will I need to retire? (4) What’s the story on alternative investments? (5) 401k vs ROTH IRA, which is better? The list of questions goes on and on. Finance and investing can be very complex and mind boggling sometimes.
We pride ourselves on 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 complex to learn, it will be too difficult to put in place and review and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Earlsboro
Our first goal in financial planning and helping you reach your financial goals is to first get a starting point of where you are today financially. Are you on track to achieve your financial and retirement goals? Lots of people have no idea in the world. As we know for sure, before you can get to where you need to go, you first need to find out where you are at this time.
With our plan and with keeping things easy, we have produced 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.
Lots of our clients use these all the time running various “what it” concepts to see how little edits in their financial planning can impact their net results. The first simple retirement calculator we suggest you use could not be any easier to use. You simply enter in your age, the age you desire to retire, the amount you currently have saved for retirement now, how much you put in on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently realizing on your retirement and the rate of return that you believe you will achieve during your retirement years. It’s that simple. Then you simply click the calculate button.
The results of your inputs pull up immediately. It will tell you if you are on track to reach your retirement goals or not, and if not, it will tell you exactly how far away you are in funds, years and percentages. If you are not on track, the calculator will even show you the 4 main areas that you can change to insure you obtain your goals. Based on your findings you can go back and type in some different combinations of amounts and keep going back and forth to see if you can reasonably make edits to obtain your goals.
It’s really quite fun to do. For most people it’s a real shocker. Finding out where you are right now and being honest about your current situation is half the battle.
Note: We work with a lot of high net worth clients who love using our plans to grow their net worth and protect themselves from soaring tax rates, creditors, soaring fees and keeping their investments private and off the Government radar. However, quite a few of our clients consider themselves to be pretty average.
If you are not on track to achieve your financial goals, please don’t be discouraged. Today 61% of Americans fear running out of money during retirement more than they fear death itself! Our goal 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 live.
Earlsboro 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 amount most Americans spend on taxes is the single largest financial expense of their life time? Most people have no idea, yet it is true for most of us. The average American spends more on taxes than they do on on any other single expenditure.
That’s why it is most important for us to focus on this major expenditure and reduce your taxes as much as possible. We believe that our main financial program that we happen to call The Barefoot Retirement Plan is the single best way to protect yourself and save on taxes that’s legally allowed in this amazing country of ours. It truly is that powerful. In a nutshell, this is how our plan works.
You invest post taxed dollars to the plan. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you put in pre-taxed dollars, our plan requires you to pay the tax on the funds before you put them in. On the surface this may not seem as good as your IRA or 401(k) but please trust us. We will clearly demonstrate how our plan will blow away these other plans, without a doubt!
You funds then grow tax differed within your account. If you need your 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 funds out at any time. We will show you exactly how you will be able to take out your funds at any time you wish with no 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 so powerful. At the time this is being written, Bernie Sanders is running for President. He is advocating a 92% top Federal marginal tax rate. Wow! 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 totally protect yourself from needing to pay any taxes on the money you pull out. This one benefit alone can make or break most people’s retirement plan.
Retirement Planning Earlsboro
The next task we take in successful retirement planning is to get you protected from losing money in the stock market. Next to taxes, market losses are the next big thing that can end your retirement dreams and keep you working for much longer than you needed to. Many investors lost upwards of 50% of their funds in the Dot Com crash of 2000. Then, just as soon as most of them were just getting back to where they were before the last crash, we had the mortgage/housing 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 happened and they lost just 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 market losses and crashes, and yes, it truly is possible.
With our unique plan you are 100% 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 provides to our clients. Imagine how much nicer you could sleep at night knowing that you were 100% guaranteed not to lose a cent in market declines. This one feature of our plan can make the difference between you having the retirement of your dreams or being devastated.
When you get our plan set up, when the market goes up, we lock in your gains each year. When the market goes down, you lose nothing and all of your previous gains are locked in and protected from losses. Our unique plan is smart on steroids.
Wealth Management Earlsboro
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the powerful benefits of our unique and patented flagship plan that we offer is that it gives you the option, if you want to use it, to leverage your returns and actually earn 2 different returns, on the same money, 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 promise you this is squeaky clean and as legal as legal gets.
Until recently plans like ours have primarily been used by wealthy families, politicians and giant corporations. Believe me, they certainly know the best ways to protect their wealth from taxes and losses. That’s why they use these plans so widely. Now these plans are more available to the average person and not just the rich.
Here is a high level look at how the leveraging option could work. Many clients choose the blended index plan 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 account, and your gains are always locked in. Or, if the value of the indexes goes down 20%, you maintain your 0% floor and have no losses at all.
You then have the option to borrow the majority of the funds from your account. (You have to do this correctly and we’ll show you how), and you can then invest that money into ANYTHING in the planet that you wish. You don’t have to ask 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 $100,000 in your Barefoot Retirement account. That $100,000 earns between 0% to 17% each year. Then you decide to borrow $80,000 from the account and put it into a great real estate deal you found. Since you borrowed the funds from your account and did not take them out, your account value remains $100,000 and you continue to earn the zero percent to seventeen percent on the entire 100k account value.
Additionally you earn whatever return you get on your $80,000 that you put into your real estate investment. So you are actually earning 2 different returns on the same funds 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 might be a good fit for you and if so, we can run some numbers and show you exactly what a Barefoot Retirement Plan could 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 wait. 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 Pottawatomie County Call Us Today At: 405-418-6266