Waynoka Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Waynoka
Are you searching for a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve found 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 look for professional help in this very 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 try and go it alone and fall short of where we should be, it’s often challenging to make up for lost ground. The longer you put this off, the harder it will be to fight your way back and achieve your retirement goals. According to a recent Forbes survey, only 52% of pre-retirees ask for the assistance of a financial advisor or financial planner. Forbes also found that those who do obtain professional help have more successful financial performance than pre-retirees who do not. It’s good to obtain help from a good financial advisor.
Most 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) SEP IRA 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 focus on providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we have learned if a solution it too difficult to understand, 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 always keep things simple.
Financial Planning Waynoka
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 reach 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 discover where you are right now.
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 user friendly to use, yet very effective. Our simple retirement calculators are completely 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.
Many of our clients use them all the time running various “what it” concepts to see how minor tweaks in their financial planning can impact their total results. The first simple retirement calculator we suggest you begin with could not be any easier to use. You simply plug in your age, the age you desire 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 getting on your retirement and the rate of return that you wish you will achieve during your retirement years. That’s all there is. You then just click the calculate button.
The results of your numbers pull up instantly. It will tell you if you are on track to achieve your retirement goals or not, and if not, it will tell you exactly how far away you are in funds, years and percentages. If you are not on goal, the calculator will even show you the four critical areas that you can make changes to to be sure you reach your goals. Based on the findings you can go back and plug in some different combinations of numbers and keep going back and forth and find out if you can reasonably make changes to reach your investment goals.
It’s really very fun to do. For most people it’s a real shocker. Knowing where you are right now and being honest about your current finances is half the battle.
Note: We work with a lot of high net worth investors who love using our plans to grow their net worth and protect themselves from soaring tax rates, creditors, soaring fees and keeping their accounts private and off the Government grid. However, most of our clients consider themselves to be mostly average.
If you are not on track to obtain 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 objective 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.
Waynoka Financial Planners
As financial planners, 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 dollars most Americans spend on taxes is the single largest financial cost of their life time? Many 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 to focus on this major cost and reduce your taxes as much as you can. We believe that our top financial program that we happen to call The Barefoot Retirement Plan is the single most powerful 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 program. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our program requires you to pay the tax on the funds before you put them in. On the surface this may not look as good as your IRA or 401(k) but please stay tuned. We will clearly demonstrate how our program will out perform 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 sickness, an unexpected expense, an unexpected opportunity or investment, college or anything under the sun, you can simply take your money out at any time. We will show you exactly how you will be able to get 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 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. 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 at this time, most experts believe that the future tax rates will have no choice but to rise significantly.
By setting up a Barefoot Retirement Plan you can 100% protect yourself from having to pay any taxes on the funds you pull out. This one benefit alone can make or break most people’s retirement dreams.
Retirement Planning Waynoka
The next step we take in our retirement planning is to get you protected from losing money in the market. Second to taxes, stock market losses are the next big event that can end your retirement dreams and keep you working for much longer than you hoped to. Lots of investors lost upwards of 50% of their money in the Dot Com crash of 2000. Then, just as soon as many 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 happened and they lost about half of everything they had spent a lifetime working for, 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 truly is possible.
With our unique 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 makes possible to our clients. Imagine how much better you could sleep at night knowing that you were totally guaranteed not to lose a penny in market declines. This one feature by itself can make the difference between you having the retirement of your dreams or not.
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 Waynoka
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 our program gives you the option, if you choose to use it, to leverage your returns and actually earn two different returns, on the exact same funds, 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 assure you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have mostly 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 average investor and not just the rich.
Here is a high level look at how the leveraging option could work. Many 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 money, 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 those funds into ANYTHING in the planet 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 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 $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 100k and you continue to earn the zero percent to 17% on the entire 100k account value.
Additionally you earn whatever return you get on your $80,000 that you put into your real estate deal. 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 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 could 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 Woods County Call Us Today At: 405-418-6266