Billings Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266

Financial Advisor Billings

Are you looking for a financial advisor to assist 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 excellent financial advisors. First off, congrats on being smart enough to seek out professional help in this super important part of your life.

As you know, we only get one chance in life and one chance to do this right. Life goes by far 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 growth. The longer you put this off, the more challenging it will be to catch up and achieve your retirement goals. According to a recent Forbes survey, just 52% of individuals look to get the help of a financial advisor or financial planner. The survey also found that individuals who do look for professional help have more profitable financial performance than people who do not. It’s smart to ask for help from a good financial advisor.

Many 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) Is a 401k better than an IRA? The list of questions goes on and on. Finances and investing can be very complex and mind boggling sometimes.

We are known for providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we know if a solution it too complex to understand, it will be too complicated to use and review and thus will not be acted upon in the first place. That’s why we always keep things simple.

Financial Planning Billings

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 exceed your financial and retirement goals? Many people have no idea in the world. As we know, before you can get to where you need to go, you first need to discover where you are right now.

In our alignment 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 simple and easy 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.

Many of our clients use them very often running various “what it” ideas to see how minor shifts in their financial planning can impact their net 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 contribute on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently getting on your retirement and the rate of return that you hope you will achieve during your retirement years. That’s it. Next you just click the calculate button.

The results of your numbers pull up immediately. It will show you if you are on track to achieve 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 retirement calculator will even show you the 4 main areas that you can make changes to to help you reach your goals. Based on those findings you can go back and type in some different combinations of amounts and keep going back and forth and find out if you can reasonably make edits to achieve your investment goals.

It’s really quite fun to do. For most people it’s a real eye-opener. Knowing 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 clients who love using our plans to grow their portfolios and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts private and off the Government grid. However, quite a few of our clients consider themselves to be pretty average.

If you are not on track to achieve 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 objective 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.

Billings 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 dollars most Americans spend on taxes is the single biggest financial expense of their life time? 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 single expenditure.

That’s why it is most important to focus on this major expense and reduce your taxes as much as you can. We believe that our primary 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 great country of ours. It truly is that powerful. In a nutshell, this is how it works.

You put in post taxed dollars to The Barefoot Retirement Plan. 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 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 blow away 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 an illness, an unexpected expense, an unexpected opportunity or investment, college or anything at all, you can simply take your funds out at any time. We will show you 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, ALL 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. Wow! 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 at this time, most experts believe that our future tax rates will have no option but to rise sharply.

By setting up a Barefoot Retirement Plan you can 100% protect yourself from having to pay any taxes on the money you pull out. This one benefit alone can make or break most people’s retirement plan.

Retirement Planning Billings

The next step we take in our retirement planning is to get you protected from losing money in the stock market. Next 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. 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 their money.

Millions of hard working Americans were just getting ready to retire. When the crash happened and they lost almost half of everything they had spent a lifetime building up, 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 market losses and crashes, and yes, it actually 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 makes possible to our clients. Imagine how much nicer you could sleep at night knowing that you were completely 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 being devastated.

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. This plan is smart on steroids.

Wealth Management Billings

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 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 money, at the same time. Yes, we know the first time you hear this, it sounds too good to be true and may even question if it is legal. We promise 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 mega corporations. Believe me, they do know the best ways to protect their money 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 rich.

Here is a high level look at how the leveraging option could work. Many clients choose our blended index option 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 funds, 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 those funds into ANYTHING in the planet 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 zero percent 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 $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 $80,000 that you put into your real estate investment. So you are affectively earning two 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 unique 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 put this off. 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.