Lahoma Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Lahoma
Are you trying to find a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve come to the right place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First off, congrats on being smart enough to search for professional help in this most important part of your life.
As you know, we only get one chance in life and one chance to get 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 hard to make up for lost results. The longer you hold off on this, the harder it will be to produce better returns and obtain your financial goals. According to a recent Forbes survey, just 52% of Americans seek out the help of a financial advisor or financial planner. The survey also found that individuals who do obtain professional help have stronger financial performance than people who do not. It’s smart to ask for help from a smart financial advisor.
Most people start with basic questions like: (1) How much savings 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’s the story on alternative investments? (5) Do I need life insurance? The list of questions goes on and on. Money and investing can be very complex and mind boggling sometimes.
We specialize in providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we realize if a solution it too complicated to learn, it will be too difficult to use and watch and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Lahoma
Our first goal in financial planning and helping you succeed financially is to first get a benchmark of where you are today financially. Are you on track to reach your financial and retirement goals? Most people have no idea what-so-ever. As we know for sure, before you can get to where you wish 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 quick and easy to use, yet very effective. Our simple retirement calculators are free to use and they are online, so you can go online and use them at any time it is convenient with you and your schedule.
Lots of our clients use them frequently running various “what it” calculations to see how little shifts in their financial planning can impact their total results. The first simple retirement calculator we suggest you start with could not be any easier to use. You simply key in your age, the age you want to retire, the amount you currently have saved for retirement now, how much you add to on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently realizing on your accounts and the rate of return that you estimate you will achieve during your retirement years. It’s that easy. Now you just click the calculate button.
The results of your numbers pull up immediately. It will clearly show you if you are on track to achieve your retirement goals or not, and if not, it will tell you exactly how far off you are in funds, years and percentages. If you are not on goal, it will even show you the four main areas that you can make changes to to be sure you reach your goals. Based on your findings you can go back and type in some different combinations of numbers and keep going back and forth and see if you can reasonably make adjustments to obtain your financial goals.
It’s really much fun to do. For most people it’s a real eye-opener. Finding out where you are now and being honest about your current standings is half the battle.
Note: We work with a lot of high net worth individuals who love using our plans to grow their funds and protect themselves from soaring tax rates, creditors, soaring fees and keeping their accounts private and off the radar. However, lots 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 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 do.
Lahoma Financial Planners
As financial planners, usually 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 expenditure 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 for us to focus on this major expense and reduce your taxes as much as possible. We believe that our best financial plan that we happen to call The Barefoot Retirement Plan is the single most effective way to protect yourself and save on taxes that’s legally allowed in this great country of ours. It truly is that powerful. In a nutshell, this is how our plan works.
You invest after taxed dollars to our plan. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you invest 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 keep reading. We will clearly show you 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 the funds for any reason at all like an illness, an unexpected expense, an unexpected opportunity or investment, college savings or anything under the sun, 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 with zero 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 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. Wow! 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 now, most experts believe that our future tax rates will have no option but to rise significantly.
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 plans.
Retirement Planning Lahoma
The next task we take in our retirement planning is to get you protected from market losses. Second to taxes, market losses are the next big event that can end your retirement dreams and keep you working for much longer than you wanted to. Lots of investors lost upwards of 50% of their funds in the Dot Com crash of 2000. Then, just 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 portfolios.
Millions of hard working Americans were just getting ready to begin 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 stock market losses and crashes, and yes, it actually is possible.
With our one-of-a-kind plan you are completely guaranteed not to lose a single cent 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 completely guaranteed not to lose a penny in stock market declines. This one feature of The Barefoot Retirement 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 stock market goes up, you 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 Lahoma
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 plan gives you the option, if you want 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 promise you this 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 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 main stream and not just the rich.
Here is a high level look at how the leveraging option could work. Many of our clients choose our 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 account, 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 experience 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 those funds into ANYTHING in the world 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 get to 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 100k earns between 0% to seventeen percent each year. Then you decide to borrow 80k 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 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 80k that you put into your real estate deal. 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 powerful 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 talk 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 may 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 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 Garfield County Call Us Today At: 405-418-6266