Tonkawa Financial Planning & Retirement Planning – Financial Advisor 405-418-6266

Financial Advisor Tonkawa

Are you searching for a financial advisor to help with your financial planning and retirement planning? If so, you’ve come to the most perfect place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, congratulations on being wise enough to seek professional help in this most important area of your life.  

As you know, we only get one chance at life and one chance to make this right. Life goes by much too fast. If we decide to go it alone and fall short of where we should be, it’s often difficult to make up for lost results. The longer you delay, the more challenging it will be to produce better returns and achieve your portfolio goals. According to a recent Forbes survey, only 52% of investors ask for the help of a financial advisor or financial planner. The survey also revealed that individuals who do secure professional help have more successful financial returns than investors who do not. It’s really smart to obtain help from a experienced 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 IRA vs 401k? (3) How much do I need to save for retirement?  (4) What alternative investments can I invest in?   (5) What can I do to insure I never lose money?  The list of questions goes on and on. Money and investing can be very complex and mind blowing sometimes.

We are known for providing simple, proven and very effective financial strategies to help you 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 monitor and thus will not be acted upon in the first place. That’s why we know to keep things simple.

 

Financial Planning Tonkawa

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 reach your financial and retirement goals? Scores of 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 learn where you are right now.

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 quick and easy to use, yet very effective. Our simple retirement calculators are free to use and they are online, so you can log in and use them at any time it is convenient with you and your schedule.

Many of our clients use these very often running various “what it” ideas to see how small changes in their financial planning can impact their overall results. The first simple retirement calculator we suggest you start with could not be any simpler to use. You simply enter in your age, the age you would like 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 getting on your retirement and the rate of return that you think you will achieve during your retirement years. That’s it. Next you just click the calculate button.

The results of your inputs 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 show you exactly how far off you are in funds, years and percentages. If you’re not on goal, it will even show you the 4 critical areas that you can make changes to to be sure you reach your goals. Based on your findings you can go back and enter in some different combinations of amounts and keep going back and forth and find out if you can reasonably make adjustments to achieve your financial goals.

It’s really much 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 investors who love using our strategies to grow their funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the radar. However, many of our clients consider themselves to be financially average.

If you are not on track to reach 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 do.

 

Tonkawa 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 dollars most Americans spend on taxes is the single biggest financial expenditure of their life time? Most people have no clue, 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 expenditure and reduce your taxes as much as possible. We believe that our flagship financial program that we happen to call The Barefoot Retirement Plan is the single most effective way to protect yourself and save on taxes that is legally allowed in this great country of ours. It truly is that powerful. In a nutshell, this is how it works.

You contribute post taxed dollars to the program. 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 money before you put them in. On the surface this may not seem as good as your IRA or 401(k) but please keep an open mind. We will clearly show you how our plan will significantly 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 sickness, an unexpected expense, an unexpected opportunity or investment, university savings or anything under the sun, you can simply take your money out at any time. We will show you how you will be able to take out your money at any time you wish 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 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. 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 now, most experts believe that our future tax rates will have no choice but to rise significantly.

By setting up a Barefoot Retirement Plan you can completely 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 Tonkawa

The next step we take in our retirement planning is to get you protected from market losses. Second to taxes, market losses are the next big cause that can end your retirement dreams and keep you working for much longer than you planned to. Many 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 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 occurred 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 strive 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 100% guaranteed not to lose a single penny due to market downturns, losses or crashes. I cannot even begin to express to you how much peace of mind this gives to our clients. Imagine how much better you could sleep at night knowing that you were 100% guaranteed not to lose a dime in market declines. This one feature by itself 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 unique plan is smart on steroids.

 

Wealth Management Tonkawa

We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the amazing benefits of our unique and patented flagship program that we offer is that our plan gives you the option, if you wish 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 people 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 huge 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 wealthy.

Here is a high level look at how the leveraging option could work. Many clients choose our blended index option that has a 0% floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up 20% 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 twenty percent, you maintain your zero percent 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 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 funds 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 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 $100,000 and you continue to earn the 0% to seventeen percent 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 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 plan 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 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 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 Kay County Call Us Today At: 405-418-6266