Arapaho Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor Arapaho
Are you looking for a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve come to the most perfect place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First off, congrats on being wise enough to seek professional help in this really important area of your life.
As you know, we only get this one chance in life and one chance to make this right. Life goes by way too fast. If we attempt to go it alone and fall short of where we should be, it’s often challenging to make up for lost ground. The longer you wait, the harder it will be to catch up and obtain your financial goals. According to a recent Forbes survey, only 52% of investors ask for the assistance of a financial advisor or financial planner. They also found that pre-retirees who do seek out professional help have stronger financial returns than individuals who do not. It’s good to obtain help from a experienced 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 IRA vs 401k? (3) How much will I need to retire? (4) What about alternative investments? (5) 401k vs ROTH IRA, which is better? The list of questions goes on and on. Money and investing can be very complex and mind blowing sometimes.
We focus on 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 difficult to understand, 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 always keep things simple.
Financial Planning Arapaho
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? Scores of 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.
In our alignment with keeping things easy, 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 user friendly 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.
Many of our clients use these frequently running various “what it” scenarios to see how minor edits in their financial planning can impact their net results. The first simple retirement calculator we suggest you start with could not be any easier to use. You simply enter in your age, the age you wish to retire, the amount you currently have saved for retirement now, how much you invest on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently realizing on your portfolio and the rate of return that you believe you will achieve during your retirement years. It’s that simple. You then just click the calculate button.
The results of your inputs pull up right away. It will tell you if you are on track to obtain 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’re not on track, the calculator will even show you the 4 key areas that you can change to help you reach your goals. Based on those findings you can go back and key in some different combinations of amounts and keep going back and forth and discover if you can reasonably make adjustments to obtain your investment goals.
It’s really very fun to do. For most people it’s a real shocker. Finding out where you are right now and being honest about your current situation is half the battle.
Note: We work with many 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 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 live.
Arapaho Financial Planners
As financial planners, 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 largest financial expenditure of their life? Many people have no clue, yet it is true for most of us. The average American spends more on taxes than they do on their mortgage payments, car payments and college for their kids, etc.
That’s why it is most important for us to focus on this major expense and reduce your taxes as much as possible. 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 is legally allowed in this fantastic country of ours. It truly is that powerful. In a nutshell, this is how it works.
You contribute post taxed dollars to the plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our plan requires you to pay the tax on the money before you contribute 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 plan will significantly out perform these other plans, bar none!
You funds then grow tax differed within your account. If you need your 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 money at any time you wish 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 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 option but to rise sharply.
By setting up a Barefoot Retirement Plan you can 100% protect yourself from needing to pay any taxes on the money you pull out. This one benefit alone can make or break most people’s retirement plans.
Retirement Planning Arapaho
The next step we take in our retirement planning is to get you protected from losing money in the stock market. Second to taxes, stock market losses are the next big issue that can destroy your retirement dreams and keep you working for much longer than you hoped to. Many investors lost upwards of 50% of their money 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 the 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 100% guaranteed not to lose a single cent due to market downturns, losses or crashes. I cannot even begin to express to you how much peace of mind this provides to our clients. Imagine how much better you could sleep at night knowing that you were 100% guaranteed not to lose a dime in market declines. This one feature by itself 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, 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 Arapaho
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 wish 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 mega 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 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 plan that has a zero percent floor and a 17% cap. So if the value of the indexes’ tracked goes up twenty percent in a given year, you earn seventeen percent on your money, and your gains are always locked in. Or, if the value of the indexes goes down 20%, you maintain your 0% floor and experience 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 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 money 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 17% each year. Then you decide to borrow $80,000 from the account and put it into a profitable 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 seventeen percent 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 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 amazing 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 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 Custer County Call Us Today At: 405-418-6266