Ada Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Ada
Are you trying to find a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve arrived at the best place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First off, congrats on being smart enough to seek out professional help in this super important area of your life.
As you already know, we only get this one chance in life and one chance to make this right. Life goes by way too fast. If we try and 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 delay, the more challenging it will be to make up lost ground and reach your financial goals. According to a recent Forbes survey, just 52% of pre-retirees seek out the assistance of a financial advisor or financial planner. They also discovered that investors who do secure professional help have more profitable financial results than people who do not. It’s wise to obtain help from a good financial advisor.
Lots of 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 do I need to save for retirement? (4) What about alternative investments? (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 specialize in providing simple, proven and very effective financial strategies to help you reach your financial and retirement goals. After all, we know if a solution it too difficult to grasp, it will be too complicated to implement and review and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Ada
Our first step 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 obtain 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.
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 access and use them at any time it is convenient with you and your schedule.
Many of our clients use these all the time running various “what it” concepts to see how minor shifts in their financial planning can impact their end results. The first simple retirement calculator we suggest you use could not be any easier to use. You simply plug 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 annual income during your retirement years, the approximate rate of return you are currently getting on your investments and the rate of return that you believe you will achieve during your retirement years. That’s all there is. Next you just click the calculate button.
The results of your inputs pull up instantly. 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 away you are in funds, years and percentages. If you are not on goal, the calculator will even show you the four key areas that you can change to be sure you reach your goals. Based on the findings you can go back and key in some different combinations of numbers and keep going back and forth and discover if you can reasonably make changes to achieve your financial goals.
It’s really very fun to do. For most people it’s a real eye-opener. Discovering 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 clients who love using our plans to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their funds private and off the radar. However, many of our clients consider themselves to be financially 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 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.
Ada 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? 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 single expenditure.
That’s why it is so important for us to focus on this major cost and reduce your taxes as much as you can. We believe that our primary 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 is legally allowed in this great country of ours. It really is that powerful. In a nutshell, this is how our plan 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 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 keep an open mind. We will clearly show you how our program 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, university 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 get your money at any time you wish with no 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 shock you.) 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 our future tax rates will have no option but to rise significantly.
By setting up a Barefoot Retirement Plan you can completely 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 hopes and dreams.
Retirement Planning Ada
The next task we take in successful retirement planning is to get you protected from losing money in the stock market. Second to taxes, market losses are the next big issue that can ruin 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 soon 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 triggered and they lost almost 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 want to get our clients 100% protected from stock market losses and crashes, and yes, it really is possible.
With our powerful plan you are completely 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 easier you could sleep at night knowing that you were completely guaranteed not to lose a penny in 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 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 plan is smart on steroids.
Wealth Management Ada
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the powerful benefits of our unique and patented flagship program that we offer is that it gives you the option, if you want to use it, to leverage your returns and actually earn 2 different returns, on the 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 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 money 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 of our 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 17% on your funds, 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 money 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 planet 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 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 $100,000 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 $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 $80,000 that you put into your real estate deal. 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 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 could 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 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 Pontotoc County Call Us Today At: 405-418-6266