Bixby Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Bixby
Are you trying to find a financial advisor to assist with your financial planning and retirement planning? If so, you’ve come to the best place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, congrats on being wise enough to seek out professional help in this critically important part of your life.
As you are aware, we only get one chance at life and one chance to make this right. Life goes by far too fast. If we decide to go it alone and fall short of where we ought to be, it’s often challenging to make up for lost growth. The longer you delay, the harder it will be to fight your way back and reach your portfolio goals. According to a recent Forbes survey, just 52% of people seek out the help of a financial advisor or financial planner. The survey also found that people who do obtain professional help have better financial results than individuals who do not. It’s smart to find help from a smart financial advisor.
Most people start with basic questions like: (1) How much savings do I need to retire? (2) What’s the real difference between an IRA vs 401k? (3) How much will I need to retire? (4) What about alternative investments? (5) How can I save on taxes? 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 clients reach your financial and retirement goals. After all, we realize if a solution it too difficult to learn, it will be too challenging to implement and monitor and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Bixby
Our first goal in financial planning and helping you succeed financially is to first get a starting point of where you are today financially. Are you on track to reach your financial and retirement goals? Most people have no idea what-so-ever. As we know for sure, before you can get to where you need to go, you first need to determine where you are at this time.
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.
Lots of our clients use these all the time running various “what it” concepts to see how minor tweaks in their financial planning can impact their net results. The first simple retirement calculator we suggest you start with could not be any simpler 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 yearly income during your retirement years, the approximate rate of return you are currently getting on your investments and the rate of return that you hope you will achieve during your retirement years. It’s that simple. Next you simply click the calculate button.
The results of your numbers pull up right away. It will tell you if you are on track to achieve 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’re not on goal, the retirement calculator will even show you the four critical areas that you can change to make sure you obtain your goals. Based on your findings you can go back and key in some different combinations of amounts and keep going back and forth and see if you can reasonably make adjustments to reach your 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 standings is half the battle.
Note: We work with quite a few high net worth people 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 radar. However, lots of our clients consider themselves to be pretty average.
If you are not on track to reach 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 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.
Bixby Financial Planners
As financial planners, most often our next step is to help protect you from spending more than you need to 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 largest financial expenditure of their life? Many 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 expenditure
That’s why it is most important to focus on this major cost and reduce your taxes as much as possible. We believe that our best financial plan that we happen to call The Barefoot Retirement Plan is the single best way to protect yourself and save on taxes that’s legally allowed in this great country of ours. It really is that powerful. In a nutshell, this is how our plan works.
You put in 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 contribute it. On the surface this may not look as good as your IRA or 401(k) but please stay tuned. We will clearly demonstrate 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 sickness, 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 get your money at any time you wish 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 such a powerful 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 at this time, most experts believe that the future tax rates will have no choice but to rise sharply.
By setting up a Barefoot Retirement Plan you can totally 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 Bixby
The next task we take in our retirement planning is to get you protected from losing money in the market. Second to taxes, stock market losses are the next big cause that can end your retirement dreams and keep you working for much longer than you planned to. Lots of 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 next 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 begin retirement. When the crash occurred and they lost about half of everything they had spent a lifetime working for, it was devastating. That is why the 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 really is possible.
With our patented plan you are completely guaranteed not to lose a single dime due to market downturns, losses or crashes. I cannot even begin to express to you how much peace of mind this gives to our clients. Imagine how much better you could sleep at night knowing that you were guaranteed not to lose a dollar in stock market declines. This one feature of our 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 Bixby
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the powerful benefits of our unique and patented flagship plan that we offer is that the plan gives you the option, if you wish to use it, to leverage your returns and actually earn two different returns, on the exact same funds, 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 assure 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 huge corporations. Believe me, they certainly 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 clients choose the blended index option that has a 0% floor and a 17% cap. So if the value of the indexes’ tracked goes up 20% in a given year, you earn 17% 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 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 planet that you wish. You don’t have to get 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 100k in your Barefoot Retirement account. That 100k earns between zero percent 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 0% 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 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 unique 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 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 Tulsa County Call Us Today At: 405-418-6266