Arcadia Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Arcadia
Are you searching for a financial advisor to help with your financial planning and retirement planning? If so, you’ve arrived at the right place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First off, congrats on being brilliant enough to seek out professional help in this very important area of your life.
As you are aware, we only get one chance in life and one chance to do this right. Life goes by much too fast. If we decide to go it alone and fall short of where we need to be, it’s often difficult to make up for lost growth. The longer you wait, 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 people seek out the help of a financial advisor or financial planner. Forbes also found that pre-retirees who do use professional help have better financial gains than investors who do not. It’s really smart to seek help from a experienced financial advisor.
Many 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) ROTH IRA vs 401(k), which is better? The list of questions goes on and on. Money and investing can be very complex and mind blowing sometimes.
We specialize in providing simple, proven and very effective financial strategies to help people reach your financial and retirement goals. After all, we realize if a solution it too complicated to understand, it will be too complicated to put in place and watch and thus will not be acted upon in the first place. That’s why we like to keep things simple.
Financial Planning Arcadia
Our first step in financial planning and helping you reach your financial goals is to first get a baseline of where you are today financially. Are you on track to achieve your financial and retirement goals? Most people have no idea in the world. As we know, 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 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 totally 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 them frequently running various “what it” ideas to see how little edits in their financial planning can impact their total results. The first simple retirement calculator we suggest you begin with could not be any easier to use. You simply enter in your age, the age you desire to retire, the amount you currently have saved for retirement now, how much you put in on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently earning on your accounts and the rate of return that you hope you will achieve during your retirement years. It’s that simple. You then 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 show you exactly how far off you are in funds, years and percentages. If you are not on track, the calculator will even show you the 4 main areas that you can change to insure you reach your goals. Based on those findings you can go back and plug in some different combinations of numbers and keep going back and forth and find out if you can reasonably make changes to obtain your investment 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 standings is half the battle.
Note: We work with a lot of high net worth people who love using our strategies to grow their portfolios and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the grid. However, lots 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 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.
Arcadia Financial Planners
As financial planners, usually 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 dollars most Americans spend on taxes is the single biggest financial cost of their life time? Lots of people have no clue, 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 so important for us to focus on this major cost 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 truly is that powerful. In a nutshell, this is how our plan works.
You contribute post taxed dollars to The Barefoot Retirement 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 money before you invest it. On the surface this may not look as good as your IRA or 401(k) but please stay tuned. We will clearly show you how our plan will beat the pants off of these other plans, without a doubt!
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, college savings or anything at all, you can simply take your money out at any time. We will show you how you will be able to access your money 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 so powerful. At the time this is being written, Bernie Sanders is running for President. He is wanting 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 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 choice but to rise sharply.
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 dreams.
Retirement Planning Arcadia
The next task 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 end your retirement dreams and keep you working for much longer than you planned to. Large numbers of investors lost upwards of 50% of their funds in the Dot Com crash of 2000. Then, just 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 their money.
Millions of hard working Americans were just getting ready to retire. When the crash triggered and they lost just about half of everything they had spent a lifetime building up, it was devastating. That is why the team at Oklahoma City Financial Planning Pros works so hard every day. We strive to get our clients 100% protected from market losses and crashes, and yes, it really is possible.
With our powerful plan you are totally 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 makes possible to our clients. Imagine how much nicer you could sleep at night knowing that you were 100% guaranteed not to lose a penny in market declines. This one feature by itself 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 all of your previous gains are locked in and protected from losses. Our plan is smart on steroids.
Wealth Management Arcadia
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the strong benefits of our unique and patented flagship program that we offer is that our plan gives you the option, if you choose to use it, to leverage your returns and actually earn two different returns, on the 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 guarantee you this 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 funds from taxes and losses. That’s why they use these plans so widely. Now these plans are more available to the main stream and not just the wealthy.
Here is a high level look at how the leveraging option could work. Many of our 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 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 those funds into ANYTHING in the planet 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 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 $80,000 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 zero percent to seventeen percent 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 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 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 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 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 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 Oklahoma County Call Us Today At: 405-418-6266