Apache Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Apache
Are you trying to find a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve found the right place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First off, congrats on being wise enough to look for professional help in this super important area 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 far too fast. If we try and go it alone and fall short of where we need to be, it’s often hard to make up for lost funds. The longer you delay, the harder it will be to come back and achieve your portfolio goals. According to a recent Forbes survey, only 52% of individuals ask for the help of a financial advisor or financial planner. They also found that individuals who do look for professional help have stronger financial performance than those who do not. It’s good to seek help from a experienced financial advisor.
Most people start with basic questions like: (1) How much do I need to retire? (2) How much money do you need to retire? (3) How much will I need to retire? (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 focus on providing simple, proven and very effective financial strategies to help clients reach your financial and retirement goals. After all, we realize if a solution it too difficult to learn, it will be too difficult to set up and monitor and thus will not be acted upon in the first place. That’s why we like to keep things simple.
Financial Planning Apache
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 reach your financial and retirement goals? Most people have no idea what-so-ever. As we understand, 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 simple and easy to use, yet very effective. Our simple retirement calculators are 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 them all the time running various “what it” scenarios to see how minor changes 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 would like to retire, the amount you currently have saved for retirement now, how much you put in on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently earning on your retirement and the rate of return that you think you will achieve during your retirement years. That’s it. Then you simply click the calculate button.
The results of your inputs pull up instantly. It will tell you if you are on track to obtain 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 are not on track, the retirement calculator will even show you the 4 key areas that you can make changes to to be sure you obtain your goals. Based on the findings you can go back and plug in some different combinations of amounts and keep going back and forth and see if you can reasonably make adjustments to achieve your 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 standings is half the battle.
Note: We work with a lot of high net worth individuals 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 Government grid. However, lots of our clients consider themselves to be pretty average.
If you are not on track to reach 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.
Apache 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 believe will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single biggest financial expense 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 expenditure
That’s why it is most important for us to focus on this major expense and reduce your taxes as much as you can. We believe that our main financial plan that we happen to call The Barefoot Retirement Plan is the single best way to protect yourself and save on taxes that is legally allowed in this fantastic country of ours. It really is that powerful. In a nutshell, this is how it works.
You put in post taxed dollars to the program. Yes, unlike an 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 contribute it. On the surface this may not seem as good as your IRA or 401(k) but please trust us. We will clearly demonstrate 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 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 exactly how you will be able to access 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 big thing. At the time this is being written, Bernie Sanders is running for President. He is advocating 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 the future tax rates will have no option 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 plan.
Retirement Planning Apache
The next step 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. Lots of investors lost upwards of 50% of their funds 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 everything.
Millions of hard working Americans were just getting ready to enter into retirement. When the crash happened and they lost just about half of everything they had spent a lifetime working for, it was devastating. That is why our team at Oklahoma City Financial Planning Pros works so hard every day. We work to get our clients 100% protected from stock market losses and crashes, and yes, it actually is possible.
With our patented plan you are totally 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 totally guaranteed not to lose a dime in market declines. This one feature alone 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. This plan is smart on steroids.
Wealth Management Apache
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 plan 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 same money, 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 this is squeaky clean and as legal as legal gets.
Until recently plans like ours have mostly been used by wealthy families, politicians and huge corporations. Believe me, they certainly know the best ways to protect their wealth 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 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 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 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 world that you wish. You don’t have to seek 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 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 100k and you continue to earn the 0% to 17% on the entire 100k account value.
Additionally you earn whatever return you get on your 80k that you put into your real estate deal. So you are actually 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 powerful 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 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 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 Caddo County Call Us Today At: 405-418-6266