Asher Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Asher
Are you searching for a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve come to the best place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First off, congratulations on being wise enough to seek professional help in this most important area of your life.
As you know, we only get this one chance in life and one chance to get this right. Life goes by way too fast. If we attempt to go it alone and come in short of where we need to be, it’s often hard to make up for lost growth. The longer you hold off on this, the more difficult it will be to produce better returns and achieve your financial goals. According to a recent Forbes survey, only 52% of investors ask for the help of a financial advisor or financial planner. The survey also found that people who do secure professional help have better financial performance than investors who do not. It’s wise to seek help from a experienced financial advisor.
Most people start with basic questions like: (1) How much money do I need to retire? (2) What’s the real difference between an IRA vs 401k? (3) How much do I need to save for retirement? (4) What alternative investments can I invest in? (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 boggling sometimes.
We pride ourselves on providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we realize if a solution it too difficult 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 Asher
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? Lots 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 determine where you are at this time.
In our alignment with keeping things simple, 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 user friendly 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.
Lots of our clients use them frequently running various “what it” ideas to see how small tweaks in their financial planning can impact their net results. The first simple retirement calculator we suggest you use could not be any simpler to use. You simply key in your age, the age you desire 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 retirement and the rate of return that you hope you will achieve during your retirement years. It’s that easy. Now you just click the calculate button.
The results of your numbers 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 off you are in funds, years and percentages. If you’re 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 your findings you can go back and enter in some different combinations of numbers and keep going back and forth and discover if you can reasonably make changes to reach your retirement goals.
It’s really very fun to do. For most people it’s a real eye-opener. Knowing where you are right now and being honest about your current situation is half the battle.
Note: We work with quite a few high net worth people who love using our plans to grow their accounts and protect themselves from soaring tax rates, creditors, soaring fees and keeping their money private and off the Government radar. However, quite a few of our clients consider themselves to be pretty average.
If you are not on track to obtain 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 live.
Asher 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 dollars most Americans spend on taxes is the single biggest financial expense of their life? Most people have no idea, 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 cost and reduce your taxes as much as possible. We believe that our best 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’s legally allowed in this fantastic country of ours. It truly is that powerful. In a nutshell, this is how our program works.
You contribute after taxed dollars to the 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 money before you invest it. On the surface this may not look as good as your IRA or 401(k) but please keep an open mind. 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 the funds for any reason at all like an illness, an unexpected expense, an unexpected opportunity or investment, college or anything at all, you can simply take your money out at any time. We will show you how you will be able to get your funds 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 big thing. At the time this is being written, Bernie Sanders is running for President. He is proposing 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 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 needing to pay any taxes on the funds you pull out. This one benefit alone can make or break most people’s retirement plans.
Retirement Planning Asher
The next action we take in successful retirement planning is to get you protected from market losses. Second to taxes, market losses are the next big thing that can crush 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 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 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 truly is possible.
With our unique 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 easier you could sleep at night knowing that you were totally guaranteed not to lose a dollar in stock market declines. This one feature of The Barefoot Retirement Plan can make the difference between you having the retirement of your dreams or not.
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. This plan is smart on steroids.
Wealth Management Asher
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 plan that we offer is that the plan gives you the option, if you choose to use it, to leverage your returns and actually earn 2 different returns, on the exact 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 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 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 wealthy.
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 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 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 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 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 17% each year. Then you decide to borrow 80k from the account and put it into a sweet 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 $100,000 account value.
Additionally you earn whatever return you get on your 80k that you put into your real estate deal. So you are affectively earning two 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 plan 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 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 Pottawatomie County Call Us Today At: 405-418-6266