Blanchard Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor Blanchard
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 right 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 most important area of your life.
As you already know, we only get one chance at life and one chance to make this right. Life goes by much too fast. If we decide to go it alone and come in short of where we should be, it’s often difficult to make up for lost growth. The longer you delay, the more difficult it will be to make up lost ground and reach your portfolio goals. According to a recent Forbes survey, only 52% of people seek out the assistance of a financial advisor or financial planner. The survey also found that pre-retirees who do look for professional help have more profitable financial results than those who do not. It’s smart to find help from a good financial advisor.
Lots of people start with basic questions like: (1) How much money do I need to be able to retire? (2) How much to save for retirement? (3) How much do I need to save for retirement? (4) What’s the story on alternative investments? (5) Do I need life insurance? The list of questions goes on and on. Finances and investing can be very complex and mind boggling sometimes.
We focus on providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we have learned if a solution it too complicated to learn, it will be too complicated to put in place and review and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Blanchard
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 reach your financial and retirement goals? Most people have no idea what-so-ever. As we know, before you can get to where you wish to go, you first need to determine where you are right now.
With our plan and with keeping things easy, 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 really easy to use, yet very effective. Our simple retirement calculators are totally 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.
Many of our clients use them all the time running various “what it” calculations to see how small changes in their financial planning can impact their overall 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 wish to retire, the amount you currently have saved for retirement now, how much you put in on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently getting on your investments and the rate of return that you wish you will achieve during your retirement years. It’s that simple. Now you just click the calculate button.
The results of your numbers pull up right away. It will show you if you are on track to reach your retirement goals or not, and if not, it will show you exactly how far away 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 make changes to to make sure you reach your goals. Based on those findings you can go back and plug in some different combinations of amounts and keep going back and forth and discover if you can reasonably make edits to achieve your financial goals.
It’s really much fun to do. For most people it’s a real shocker. Knowing where you are now and being honest about your current finances is half the battle.
Note: We work with many high net worth clients who love using our strategies 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, lots of our clients consider themselves to be pretty average.
If you are not on track to obtain 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 live.
Blanchard Financial Planners
As financial planners, usually our next step is to help protect you from spending more than you need to 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 largest financial expense of their life? Many people have no clue, 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 so important to focus on this major expenditure and reduce your taxes as much as you can. We believe that our main 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 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 Barefoot Retirement Plan. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you put in pre-taxed dollars, our plan 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 keep an open mind. We will clearly demonstrate how our program will beat the pants off of 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 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 wanting 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 shock 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 significantly.
By setting up a Barefoot Retirement Plan you can totally 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 plans.
Retirement Planning Blanchard
The next task we take in successful retirement planning is to get you protected from losing money in the market. Next to taxes, market losses are the next big cause that can ruin your retirement dreams and keep you working for much longer than you planned to. Far too many investors lost upwards of 50% of their funds in the Dot Com crash of 2000. Then, just as soon as many 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 portfolios.
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 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 one-of-a-kind plan you are completely guaranteed not to lose a single dime 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 deeper you could sleep at night knowing that you were guaranteed not to lose a dollar in 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 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 Blanchard
We also assist our clients with wealth management to insure they reach their investing 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 want 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 most people hear this, it sounds too good to be true and may even question if it is legal. We assure you it 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 funds 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 the blended index option that has a 0% floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up 20% in a given year, you earn seventeen percent 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 money 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 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 can 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 seventeen percent each year. Then you decide to borrow 80k from the account and put it into a great 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 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 talk 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 might 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 McClain County Call Us Today At: 405-418-6266