Ringling Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Ringling
Are you in search of a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve come to the most perfect place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, congrats on being smart enough to look for professional help in this critically important area of your life.
As you already know, we only get one chance at life and one chance to make this right. Life goes by much too fast. If we attempt to go it alone and fall short of where we ought to be, it’s often challenging to make up for lost growth. The longer you hold off on this, the harder it will be to fight your way back and obtain your portfolio goals. According to a recent Forbes survey, only 52% of people ask for the help of a financial advisor or financial planner. Forbes also found that people who do look for professional help have more profitable financial returns than investors who do not. It’s smart to find help from a experienced financial advisor.
Lots of people start with basic questions like: (1) How much savings do I need to retire? (2) What’s the real difference between a IRA and 401k? (3) How much will I need to retire? (4) Do I need 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 people reach your financial and retirement goals. After all, we know if a solution it too difficult to learn, 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 keep things simple.
Financial Planning Ringling
Our first goal in financial planning and helping you succeed financially is to first get a starting point of where you are today financially. Are you on track to obtain your financial and retirement goals? Many people have no idea what-so-ever. As we know, before you can get to where you need to go, you first need to learn where you are at this time.
With our plan and 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 simple and easy to use, yet very effective. Our simple retirement calculators are completely free to use and they are online, so you can access 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 little shifts in their financial planning can impact their net results. The first simple retirement calculator we suggest you start with could not be any simpler to use. You simply type in your age, the age you want to retire, the amount you currently have saved for retirement now, how much you contribute on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently earning on your portfolio and the rate of return that you wish you will achieve during your retirement years. That’s it. Then you simply click the calculate button.
The results of your numbers pull up immediately. It will tell you if you are on track to achieve 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, the calculator will even show you the four key areas that you can make changes to to make 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 see if you can reasonably make changes to achieve your retirement goals.
It’s really quite fun to do. For most people it’s a real shocker. Finding out where you are now and being honest about your current situation is half the battle.
Note: We work with many high net worth people who love using our strategies to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the radar. However, many of our clients consider themselves to be mostly average.
If you are not on track to reach 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 last.
Ringling Financial Planners
As financial planners, most 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? Lots of 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 so important for us to focus on this major expenditure and reduce your taxes as much as you can. We believe that our top financial plan that we happen to call The Barefoot Retirement Plan is the single most successful 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 program works.
You invest after taxed dollars to The Barefoot Retirement Plan. Yes, unlike your 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 invest it. On the surface this may not seem as good as your IRA or 401(k) but please stay tuned. We will clearly show you how our plan will beat the pants off of these other plans, bar none!
You funds then grow tax differed within your account. If you need the funds for any reason at all like emergency, an unexpected expense, an unexpected opportunity or investment, university savings or anything under the sun, you can simply take your funds out at any time. We will show you how you will be able to get your money 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 powerful thing. 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 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 significantly.
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 Ringling
The next action we take in successful retirement planning is to get you protected from market losses. Second to taxes, stock market losses are the next big issue that can ruin your retirement dreams and keep you working for much longer than you hoped to. Far too 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 next 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 enter into retirement. When the crash happened 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 want to get our clients 100% protected from market losses and crashes, and yes, it really is possible.
With our one-of-a-kind plan you are totally guaranteed not to lose a single dollar 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 totally 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 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 all of your previous gains are locked in and protected from losses. Our plan is smart on steroids.
Wealth Management Ringling
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the amazing benefits of our unique and patented flagship plan that we offer is that it 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 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 primarily been used by wealthy families, politicians and mega corporations. Believe me, they do 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 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 the blended index option 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 account, and your gains are always locked in. Or, if the value of the indexes goes down 20%, 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 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 100k 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 100k 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 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 patented 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 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 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 Jefferson County Call Us Today At: 405-418-6266