Amber Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Amber
Are you in search of a financial advisor to help with your financial planning and retirement planning? If so, you’ve found the perfect place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First off, congrats on being brilliant enough to search for professional help in this most important part of your life.
As you are aware, we only get this one chance in life and one chance to make this right. Life goes by way too fast. If we decide to go it alone and fall short of where we should be, it’s often hard to make up for lost ground. The longer you put this off, the more difficult it will be to make up lost ground and achieve your financial goals. According to a recent Forbes survey, just 52% of investors look to get the assistance of a financial advisor or financial planner. They also revealed that people who do ask for professional help have better financial returns than pre-retirees who do not. It’s really smart to find help from a experienced financial advisor.
Most people start with basic questions like: (1) How much savings do I need to retire? (2) How much money do you need to retire? (3) How much will I need to retire? (4) Do I need alternative investments? (5) Is a 401k better than an IRA? The list of questions goes on and on. Money and investing can be very complex and mind boggling 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 complicated to grasp, it will be too complicated to set up and monitor and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Amber
Our first goal in financial planning and helping you reach your financial goals is to first get a starting point of where you are today financially. Are you on track to exceed your financial and retirement goals? Scores of people have no idea in the world. As we understand, before you can get to where you want to go, you first need to learn where you are at this time.
With our plan and 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 really easy to use, yet very effective. Our simple retirement calculators are completely free to use and they are online, so you can log on and use them at any time it is convenient with you and your schedule.
Many of our clients use them very often running various “what it” ideas to see how little shifts in their financial planning can impact their net results. The first simple retirement calculator we suggest you begin with could not be any simpler to use. You simply plug 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 getting on your retirement and the rate of return that you believe you will achieve during your retirement years. That’s all there is. Now you simply click the calculate button.
The results of your inputs pull up right away. It will clearly show you if you are on track to reach 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 track, the retirement calculator will even show you the 4 critical areas that you can make changes to to insure 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 achieve your investment goals.
It’s really very fun to do. For most people it’s a real eye-opener. Finding out where you are now and being honest about your current finances is half the battle.
Note: We work with many high net worth people who love using our strategies to grow their net worth 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 mostly 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 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 last.
Amber 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 amount most Americans spend on taxes is the single biggest financial cost of their life time? Most 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 to focus on this major expense and reduce your taxes as much as you can. We believe that our flagship financial plan that we happen to call The Barefoot Retirement Plan is the single best way to protect yourself and save on taxes that’s legally allowed in this amazing country of ours. It really is that powerful. In a nutshell, this is how our program works.
You invest post taxed dollars to our plan. Yes, unlike an 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 funds 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 demonstrate how our plan will blow away 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 exactly how you will be able to take out your funds 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 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 blow you away.) 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 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 Amber
The next step we take in successful retirement planning is to get you protected from market losses. Second to taxes, stock market losses are the next big thing that can destroy your retirement dreams and keep you working for much longer than you needed to. Large numbers of investors lost upwards of 50% of their money 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 everything.
Millions of hard working Americans were just getting ready to retire. When the crash happened and they lost almost half of everything they had spent a lifetime building up, 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 truly 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 tell you how much peace of mind this brings to our clients. Imagine how much easier you could sleep at night knowing that you were 100% guaranteed not to lose a penny in market declines. This one feature of our 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 your previous gains are locked in and protected from losses. This plan is smart on steroids.
Wealth Management Amber
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 the plan gives you the option, if you wish to use it, to leverage your returns and actually earn 2 different returns, on the exact 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 this is squeaky clean and as legal as legal gets.
Until recently plans like ours have mostly been used by wealthy families, politicians and giant corporations. Believe me, they 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 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 zero percent 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 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 ask 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 100k earns between zero percent 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 17% 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 2 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 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 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 wait. 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 Grady County Call Us Today At: 405-418-6266