Bray Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Bray
Are you looking for a financial advisor to assist with your financial planning and retirement planning? If so, you’ve arrived at the perfect place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First off, congrats on being smart enough to look for professional help in this really important part of your life.
As you are aware, we only get this one chance in life and one chance to do this right. Life goes by way too fast. If we attempt to go it alone and come in short of where we should be, it’s often hard to make up for lost ground. The longer you delay, the more challenging it will be to produce better returns and reach your financial goals. According to a recent Forbes survey, just 52% of people seek out the help of a financial advisor or financial planner. They also discovered that those who do obtain professional help have stronger financial returns than people who do not. It’s smart to ask for help from a experienced financial advisor.
Most people start with basic questions like: (1) How much savings do I need to retire? (2) How much money do you need to retire? (3) How much will I need to retire? (4) What’s the story on alternative investments? (5) SEP IRA vs ROTH IRA, which is better? 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 you reach your financial and retirement goals. After all, we have learned if a solution it too complex to grasp, it will be too challenging to implement and watch and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Bray
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 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 learn where you are right now.
With our plan and 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 super easy to use, yet very effective. Our simple retirement calculators are totally free to use and they are online, so you can access 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” concepts to see how minor tweaks in their financial planning can impact their end results. The first simple retirement calculator we suggest you use could not be any easier to use. You simply key in your age, the age you wish to retire, the amount you currently have saved for retirement now, how much you add to on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently earning on your retirement 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 numbers pull up instantly. It will tell you if you are on track to reach 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 are not on goal, the retirement calculator will even show you the 4 key areas that you can make changes to to make 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 edits to achieve your investment goals.
It’s really quite fun to do. For most people it’s a real shocker. Discovering where you are right now and being honest about your current standings is half the battle.
Note: We work with many high net worth individuals who love using our plans to grow their portfolios and protect themselves from soaring tax rates, creditors, soaring fees and keeping their accounts private and off the Government grid. However, lots of our clients consider themselves to be financially 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.
Bray Financial Planners
As financial planners, most often 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 time? Most 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 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 most powerful way to protect yourself and save on taxes that’s legally allowed in this amazing country of ours. It really is that powerful. In a nutshell, this is how our plan works.
You contribute after taxed dollars to our plan. Yes, unlike an 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 funds before you contribute it. 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 significantly out perform 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 money out at any time. We will show you exactly how you will be able to take out your money at any time 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 big 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 these days, most experts believe that our 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 Bray
The next task we take in our retirement planning is to get you protected from losing money in the stock market. Next to taxes, stock market losses are the next big issue that can crush your retirement dreams and keep you working for much longer than you needed to. Large numbers of 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 mortgage/housing 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 occurred and they lost about half of everything they had spent a lifetime creating, it was devastating. That is why the 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 dollar due to market downturns, losses or crashes. I cannot even begin to express to you how much peace of mind this brings to our clients. Imagine how much deeper you could sleep at night knowing that you were totally guaranteed not to lose a cent in stock 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 stock 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 Bray
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the amazing benefits of our unique and patented flagship program that we offer is that our program gives you the option, if you want to use it, to leverage your returns and actually earn two different returns, on the 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 guarantee 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 giant corporations. Believe me, they certainly know the best ways to protect their wealth 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 of our 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 zero percent 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 under the sun that you wish. You don’t have to seek 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 zero percent to seventeen percent 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 zero percent to seventeen percent on the entire $100,000 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 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 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 might be a good fit for you and if so, we can run some numbers and show you exactly what a Barefoot Retirement Plan could 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 Stephens County Call Us Today At: 405-418-6266