Alva Financial Advisor – Retirement & Financial Planning Pros 405-418-6266

Financial Advisor Alva

Are you in search of 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 excellent financial advisors. First off, congrats on being brilliant enough to look for professional help in this critically important part of your life.

As you are aware, we only get this one chance at life and one chance to make this right. Life goes by far too fast. If we attempt to go it alone and fall short of where we should be, it’s often difficult to make up for lost ground. The longer you wait, the more difficult it will be to fight your way back and obtain your portfolio goals. According to a recent Forbes survey, only 52% of Americans ask for the help of a financial advisor or financial planner. The survey also found that pre-retirees who do look for professional help have more profitable financial gains than those who do not. It’s good to ask for help from a experienced financial advisor.

Lots of people start with basic questions like: (1) How much money do I need to retire? (2) How much money do you need to retire? (3) How much do I need to save for retirement? (4) What about alternative investments? (5) Do I need life insurance? The list of questions goes on and on. Finance and investing can be very complex and mind blowing sometimes.

We pride ourselves on providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we know if a solution it too complicated to learn, it will be too difficult to set up and watch and thus will not be acted upon in the first place. That’s why we like to keep things simple.

Financial Planning Alva

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? Scores of people have no idea what-so-ever. As we understand, before you can get to where you want to go, you first need to determine where you are right now.

In our alignment 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 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.

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 invest on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently realizing on your retirement and the rate of return that you think you will achieve during your retirement years. That’s it. Then you just click the calculate button.

The results of your numbers pull up immediately. It will tell you if you are on track to reach 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 goal, the retirement calculator will even show you the 4 critical areas that you can make changes to to be sure you obtain 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 adjustments to reach your retirement goals.

It’s really much 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 quite a few high net worth clients who love using our plans to grow their funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the Government radar. However, most of our clients consider themselves to be mostly average.

If you are not on track to achieve 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 live.

Alva 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 think will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single largest 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 any other expense.

That’s why it is so important for us to focus on this major expense and reduce your taxes as much as possible. We believe that our top financial program that we happen to call The Barefoot Retirement Plan is the single most successful way to protect yourself and save on taxes that is legally allowed in this amazing country of ours. It really is that powerful. In a nutshell, this is how our program works.

You put in after taxed dollars to our plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you put in pre-taxed dollars, our program 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 stay tuned. We will clearly show you how our program 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 an illness, 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 take out your money at any time with no 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. Yikes! 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 now, 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 100% 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 hopes and dreams.

Retirement Planning Alva

The next action we take in successful retirement planning is to get you protected from losing money in the market. Second to taxes, market losses are the next big cause 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 accounts 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 money.

Millions of hard working Americans were just getting ready to begin retirement. When the crash occurred and they lost almost half of everything they had spent a lifetime creating, it was devastating. That is why our 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 unique plan you are 100% guaranteed not to lose a single cent due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this gives to our clients. Imagine how much deeper you could sleep at night knowing that you were 100% 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 not.

When you get our plan set up, when the stock market goes up, you lock in your gains each year. When the market goes down, you lose nothing and your previous gains are locked in and protected from losses. Our plan is smart on steroids.

Wealth Management Alva

We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the strong benefits of our unique and patented flagship plan that we offer is that our program gives you the option, if you want to use it, to leverage your returns and actually earn two different returns, on the 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 guarantee 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 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 rich.

Here is a high level look at how the leveraging option could work. Many of our clients choose our blended index account 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 funds, and your gains are always locked in. Or, if the value of the indexes goes down 20%, 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 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 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 zero percent 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 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 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 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 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.