Ardmore Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor Ardmore
Are you seeking a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve arrived at the perfect place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First of all, congratulations on being smart enough to seek professional help in this critically important area of your life.
As you already know, we only get this one chance at life and one chance to do this right. Life goes by far too fast. If we try and go it alone and fall short of where we should be, it’s often difficult to make up for lost ground. The longer you hold off on this, the harder it will be to fight your way back and achieve your retirement goals. According to a recent Forbes survey, only 52% of people look to get the assistance of a financial advisor or financial planner. They also revealed that individuals who do ask for professional help have better financial returns than people who do not. It’s good to find help from a smart 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’s the story on 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 blowing sometimes.
We focus on providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we have learned if a solution it too difficult to grasp, it will be too complicated to implement and monitor and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Ardmore
Our first goal in financial planning and helping you succeed financially is to first get a baseline of where you are today financially. Are you on track to achieve your financial and retirement goals? Many people have no idea what-so-ever. As we understand, before you can get to where you need to go, you first need to find out where you are at this time.
In our alignment 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 super easy to use, yet very effective. Our simple retirement calculators are completely 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 them frequently running various “what it” concepts to see how minor changes in their financial planning can impact their end results. The first simple retirement calculator we suggest you begin with could not be any easier 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 invest on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently earning on your portfolio and the rate of return that you hope you will achieve during your retirement years. It’s that simple. Now you just click the calculate button.
The results of your inputs pull up immediately. 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 goal, it will even show you the four key areas that you can make changes to to insure 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 to see if you can reasonably make adjustments to obtain your financial goals.
It’s really quite fun to do. For most people it’s a real shocker. Knowing where you are now and being honest about your current situation is half the battle.
Note: We work with many high net worth investors who love using our plans to grow their net worth and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments 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 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 do.
Ardmore 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 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 their mortgage payments, car payments and college for their kids, etc.
That’s why it is so important for us to focus on this major expense and reduce your taxes as much as you can. We believe that our top financial plan that we happen to call The Barefoot Retirement Plan is the single most successful way to protect yourself and save on taxes that’s legally allowed in this fantastic country of ours. It really is that powerful. In a nutshell, this is how it works.
You put in after taxed dollars to our plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you contribute 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 appear as good as your IRA or 401(k) but please trust us. We will clearly demonstrate how our program will significantly out perform 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 sickness, 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 get 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 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 shock 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 our future tax rates will have no option but to rise significantly.
By setting up a Barefoot Retirement Plan you can totally 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 Ardmore
The next action we take in our retirement planning is to get you protected from losing money in the market. Second to taxes, market losses are the next big issue that can destroy your retirement dreams and keep you working for much longer than you planned to. Far too many investors lost upwards of 50% of their money 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 everything.
Millions of hard working Americans were just getting ready to begin retirement. When the crash triggered and they lost about 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 strive to get our clients 100% protected from 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 cent due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this provides to our clients. Imagine how much easier you could sleep at night knowing that you were totally guaranteed not to lose a cent in stock 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, 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. Our unique plan is smart on steroids.
Wealth Management Ardmore
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the powerful benefits of our unique and patented flagship program that we offer is that the plan gives you the option, if you choose 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 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 mainly been used by wealthy families, politicians and giant corporations. Believe me, they 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 zero percent floor and a 17% 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 twenty percent, you maintain your zero percent floor and have 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 those funds 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 0% 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 $100,000 and you continue to earn the zero percent 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 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 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 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 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 Carter County Call Us Today At: 405-418-6266