Binger Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Binger
Are you looking for a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve found the perfect place. We are Oklahoma City Financial Planning Pros and we are knowledgeable financial advisors. First off, congratulations on being wise enough to search for professional help in this critically important area of your life.
As you are aware, we only get this one chance at 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 challenging to make up for lost results. The longer you wait, the more difficult it will be to come back and achieve your retirement goals. According to a recent Forbes survey, just 52% of pre-retirees ask for the help of a financial advisor or financial planner. The survey also found that investors who do seek out professional help have more profitable financial gains than people who do not. It’s smart to get help from a good financial advisor.
Lots of 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 should I save for retirement? (4) What about alternative investments? (5) Do I need life insurance? The list of questions goes on and on. Money and investing can be very complex and mind boggling sometimes.
We are known for 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 learn, 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 know to keep things simple.
Financial Planning Binger
Our first goal in financial planning and helping you succeed financially is to first get a benchmark of where you are today financially. Are you on track to obtain your financial and retirement goals? Most people have no idea at all. As we know for sure, before you can get to where you need to go, you first need to determine where you are right now.
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 super easy to use, yet very effective. Our simple retirement calculators are totally free to use and they are online, so you can go online 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” calculations to see how little 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 key in your age, the age you want 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 getting on your accounts and the rate of return that you hope you will achieve during your retirement years. It’s that easy. Then you simply click the calculate button.
The results of your inputs pull up instantly. 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 are not on goal, the retirement calculator will even show you the 4 critical areas that you can change to help 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 and see if you can reasonably make adjustments to reach your investment goals.
It’s really much 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 a lot of high net worth individuals 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 grid. However, most of our clients consider themselves to be financially average.
If you are not on track to achieve 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.
Binger 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 biggest financial expenditure 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 any other expense.
That’s why it is so important to focus on this major expenditure and reduce your taxes as much as you can. We believe that our primary financial program that we happen to call The Barefoot Retirement Plan is the single most effective way to protect yourself and save on taxes that’s legally allowed in this great country of ours. It truly is that powerful. In a nutshell, this is how our program works.
You contribute after taxed dollars to the program. 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 put them in. On the surface this may not look as good as your IRA or 401(k) but please trust us. We will clearly show you how our plan will 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 emergency, an unexpected expense, an unexpected opportunity or investment, college savings or anything under the sun, you can simply take your money out at any time. We will show you exactly how you will be able to access your money at any time with zero 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 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 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 our future tax rates will have no option but to rise significantly.
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 plans.
Retirement Planning Binger
The next task we take in successful 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 end your retirement dreams and keep you working for much longer than you needed to. Many investors lost upwards of 50% of their funds 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 everything.
Millions of hard working Americans were just getting ready to enter into retirement. 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 our team at Oklahoma City Financial Planning Pros works so hard every day. We want to get our clients 100% protected from market losses and crashes, and yes, it truly is possible.
With our patented plan you are 100% 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 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 market declines. This one feature of our plan can make the difference between you having the retirement of your dreams or being wiped out.
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 all of your previous gains are locked in and protected from losses. Our plan is smart on steroids.
Wealth Management Binger
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 plan that we offer is that our plan gives you the option, if you wish 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 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 giant corporations. Believe me, they 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 of our clients choose the blended index account that has a zero percent floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up twenty percent in a given year, you earn 17% on your account, and your gains are always locked in. Or, if the value of the indexes goes down 20%, you maintain your 0% 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 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 $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 $100,000 and you continue to earn the 0% 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 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 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.
For The Best Financial And Retirement Planning In Caddo County Call Us Today At: 405-418-6266