Milburn Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Milburn
Are you seeking a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve found the perfect 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 really important part of your life.
As you already know, we only get one chance in life and one chance to do this right. Life goes by much too fast. If we try and go it alone and fall short of where we ought to be, it’s often difficult to make up for lost results. The longer you delay, the more challenging it will be to fight your way back and achieve your retirement goals. According to a recent Forbes survey, only 52% of investors seek out the assistance of a financial advisor or financial planner. They also revealed that those who do obtain professional help have more profitable financial results than those who do not. It’s smart to ask for help from a smart financial advisor.
Many 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 should I save for retirement? (4) What alternative investments can I invest in? (5) Is a 401k better than an IRA? The list of questions goes on and on. Money and investing can be very complex and mind boggling sometimes.
We are known for 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 grasp, it will be too complicated to put in place and review and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Milburn
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? Scores of people have no idea in the world. As we know for sure, before you can get to where you wish to go, you first need to discover where you are at this time.
In our alignment with keeping things simple, 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 user friendly 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 all the time running various “what it” calculations to see how little tweaks in their financial planning can impact their net results. The first simple retirement calculator we suggest you use could not be any simpler to use. You simply key in your age, the age you wish 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 getting on your retirement and the rate of return that you hope you will achieve during your retirement years. That’s it. Then you simply click the calculate button.
The results of your inputs pull up right away. It will 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 track, the calculator will even show you the four main areas that you can make changes to to make sure you reach your goals. Based on those findings you can go back and type in some different combinations of numbers and keep going back and forth to see if you can reasonably make edits to reach your investment goals.
It’s really very fun to do. For most people it’s a real shocker. Discovering where you are right now and being honest about your current situation is half the battle.
Note: We work with quite a few high net worth clients who love using our strategies to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts private and off the grid. However, lots of our clients consider themselves to be pretty average.
If you are not on track to obtain your 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.
Milburn 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 on any other expenditure
That’s why it is most important to focus on this major expense and reduce your taxes as much as you can. We believe that our flagship 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 invest after taxed dollars to the plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you contribute pre-taxed dollars, our program requires you to pay the tax on the money before you contribute it. On the surface this may not look as good as your IRA or 401(k) but please keep an open mind. We will clearly show you how our plan will 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 an illness, an unexpected expense, an unexpected opportunity or investment, college 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 access your money 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 so powerful. At the time this is being written, Bernie Sanders is running for President. He is proposing 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 blow you away.) 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 choice but to rise sharply.
By setting up a Barefoot Retirement Plan you can completely 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 Milburn
The next task we take in our retirement planning is to get you protected from losing money in the stock market. Next to taxes, stock market losses are the next big event that can destroy your retirement dreams and keep you working for much longer than you needed 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 money.
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 working for, it was devastating. That is why our 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 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 brings to our clients. Imagine how much better you could sleep at night knowing that you were completely 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 stock 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 Milburn
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the strong benefits of our unique and patented flagship plan that we offer is that our plan gives you the option, if you choose to use it, to leverage your returns and actually earn two different returns, on the exact same money, at the same time. Yes, we know the first time people hear this, it sounds too good to be true and may even question if it is legal. We promise you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have mainly been used by wealthy families, politicians and huge corporations. Believe me, they certainly know the best ways to protect their money 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 of our clients choose the blended index account that has a 0% floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up twenty percent in a given year, you earn 17% on your money, 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 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 under the sun 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 funds into anything you want or need to, no problem.
Let’s use an example. Say you have 100k 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 profitable 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 investment. So you are affectively earning two 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 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 might 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 hesitate. 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 Johnston County Call Us Today At: 405-418-6266