Indiahoma Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Indiahoma
Are you in search of a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve arrived at the most perfect place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First off, congrats on being brilliant enough to seek professional help in this most important area of your life.
As you know, we only get this one chance in 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 ought to be, it’s often difficult to make up for lost funds. The longer you put this off, the harder it will be to come back and achieve your portfolio goals. According to a recent Forbes survey, only 52% of individuals seek out the help of a financial advisor or financial planner. They also found that those who do ask for professional help have better financial returns than pre-retirees who do not. It’s smart to seek help from a good financial advisor.
Many people start with basic questions like: (1) How much do I need to retire? (2) What’s the real difference between an Individual Retirement Account and an 401k? (3) How much will I need to retire? (4) What alternative investments can I invest in? (5) 401k vs ROTH IRA, which is better? The list of questions goes on and on. Finances and investing can be very complex and mind blowing sometimes.
We are known for providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we know if a solution it too complicated to understand, it will be too difficult to implement and review and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Indiahoma
Our first goal in financial planning and helping you reach your financial goals is to first get a baseline of where you are today financially. Are you on track to exceed your financial and retirement goals? Scores of people have no idea at all. As we understand, before you can get to where you want to go, you first need to discover where you are at this time.
In our alignment with keeping things simple, we have created a series of our own, custom retirement calculators like; a retirement savings calculator, a retirement planning calculator and various retirement planning tools that are quick and 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 frequently running various “what it” concepts to see how small edits in their financial planning can impact their total results. The first simple retirement calculator we suggest you begin with could not be any simpler to use. You simply type in your age, the age you would like to retire, the amount you currently have saved for retirement now, how much you contribute on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently earning on your investments and the rate of return that you think you will achieve during your retirement years. It’s that simple. Then you just click the calculate button.
The results of your numbers pull up instantly. It will clearly show 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’re not on goal, it will even show you the four key areas that you can change to be sure you obtain your goals. Based on the findings you can go back and key in some different combinations of numbers and keep going back and forth and discover if you can reasonably make edits to reach your retirement 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 quite a few high net worth investors who love using our strategies to grow their accounts and protect themselves from soaring tax rates, creditors, soaring fees and keeping their accounts private and off the Government radar. However, quite a few of our clients consider themselves to be mostly 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.
Indiahoma Financial Planners
As financial planners, most often our next step is to help protect you from spending more than you need to 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 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 their mortgage payments, car payments and college for their kids, etc.
That’s why it is so important to focus on this major cost and reduce your taxes as much as you can. We believe that our best financial plan 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 amazing country of ours. It really 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 program requires you to pay the tax on the funds before you contribute it. On the surface this may not appear as good as your IRA or 401(k) but please keep reading. We will clearly demonstrate how our plan will beat the pants off of 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 an illness, an unexpected expense, an unexpected opportunity or investment, college or anything at all, you can simply take your funds out at any time. We will show you how you will be able to take out your money at any time you wish with no penalties, no fees and no taxes.
Then, when you retire, ALL of your retirement funds that you pull out to live on are completely and totally free of taxes. This is such a powerful thing. At the time this is being written, Bernie Sanders is running for President. He is wanting 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 amaze 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 the future tax rates will have no option but to rise sharply.
By setting up a Barefoot Retirement Plan you can 100% protect yourself from having to pay any taxes on the money you pull out. This one benefit alone can make or break most people’s retirement hopes and dreams.
Retirement Planning Indiahoma
The next task we take in our retirement planning is to get you protected from market losses. Next to taxes, stock market losses are the next big issue that can crush your retirement dreams and keep you working for much longer than you planned to. Large numbers of 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 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 enter into retirement. When the crash occurred and they lost about half of everything they had spent a lifetime building up, it was devastating. That is why the team at Oklahoma City Financial Planning Pros works so hard every day. We strive to get our clients 100% protected from 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 express to you how much peace of mind this makes possible to our clients. Imagine how much better you could sleep at night knowing that you were totally guaranteed not to lose a cent in stock market declines. This one feature of our plan 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. Our plan is smart on steroids.
Wealth Management Indiahoma
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 plan that we offer is that our program 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 most people hear this, it sounds too good to be true and may even question if it is legal. We guarantee you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have primarily been used by wealthy families, politicians and mega 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 person and not just the rich.
Here is a high level look at how the leveraging option could work. Many of our clients choose the blended index option that has a 0% floor and a 17% cap. So if the value of the indexes’ tracked goes up 20% in a given year, you earn 17% on your funds, and your gains are always locked in. Or, if the value of the indexes goes down twenty percent, you maintain your 0% floor and suffer 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 seek 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 zero percent to seventeen percent 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 0% 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 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 powerful plan but we are limited in space here. The best way to get more information on this plan 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 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 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 Comanche County Call Us Today At: 405-418-6266