Byers Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Byers
Are you seeking a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve come to the most perfect place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First off, congratulations on being brilliant enough to seek out professional help in this super important part of your life.
As you know, we only get this one chance at life and one chance to make this right. Life goes by way too fast. If we attempt to go it alone and come in short of where we ought to be, it’s often challenging to make up for lost growth. The longer you put this off, the harder it will be to produce better returns and reach your financial goals. According to a recent Forbes survey, just 52% of pre-retirees look to get the help of a financial advisor or financial planner. They also discovered that people who do seek professional help have more successful financial results than individuals who do not. It’s good to ask for help from a good financial advisor.
Many people start with basic questions like: (1) How much savings do I need to retire? (2) What’s the real difference between a IRA and 401k? (3) How much should I save for retirement? (4) What alternative investments can I invest in? (5) ROTH IRA vs 401(k), which is better? The list of questions goes on and on. Finances and investing can be very complex and mind boggling sometimes.
We pride ourselves on providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we know if a solution it too complex to understand, it will be too difficult to put in place and watch and thus will not be acted upon in the first place. That’s why we like to keep things simple.
Financial Planning Byers
Our first step in financial planning and helping you reach your financial goals is to first get a benchmark of where you are today financially. Are you on track to achieve your financial and retirement goals? Lots of people have no idea in the world. As we understand, before you can get to where you need to go, you first need to discover where you are at this time.
In our alignment with keeping things easy, we have developed 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 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.
Lots of our clients use them frequently running various “what it” calculations to see how minor changes in their financial planning can impact their end results. The first simple retirement calculator we suggest you begin with could not be any simpler to use. You simply type in your age, the age you would like to retire, the amount you currently have saved for retirement now, how much you add to 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 think 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 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 off you are in funds, years and percentages. If you’re not on track, the retirement calculator will even show you the four key areas that you can make changes to to help 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 find out if you can reasonably make changes to obtain your retirement goals.
It’s really very 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 quite a few high net worth investors who love using our strategies to grow their accounts and protect themselves from soaring tax rates, creditors, soaring fees and keeping their investments private and off the grid. However, many 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 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.
Byers 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 amount most Americans spend on taxes is the single biggest financial cost 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 on any other expenditure
That’s why it is so important to focus on this major expense and reduce your taxes as much as you can. We believe that our flagship 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 is legally allowed in this great country of ours. It truly is that powerful. In a nutshell, this is how our plan works.
You put in after taxed dollars to the plan. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you contribute pre-taxed dollars, our program requires you to pay the tax on the money before you invest it. On the surface this may not seem as good as your IRA or 401(k) but please keep an open mind. We will clearly show you how our program 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 emergency, an unexpected expense, an unexpected opportunity or investment, college 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 take out your money at any time you wish with no penalties, no fees and no taxes.
Then, when you retire, 100% 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 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 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 the future tax rates will have no option but to rise sharply.
By setting up a Barefoot Retirement Plan you can 100% 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 Byers
The next task we take in successful 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 crush your retirement dreams and keep you working for much longer than you wanted to. Lots of 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 next 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 retire. When the crash triggered and they lost about half of everything they had spent a lifetime working for, 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 really is possible.
With our unique plan you are completely guaranteed not to lose a single dollar 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 totally guaranteed not to lose a dime in market declines. This one feature of The Barefoot Retirement 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 unique plan is smart on steroids.
Wealth Management Byers
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 want to use it, to leverage your returns and actually earn two different returns, on the exact same money, at the same time. Yes, we know the first time people 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 mainly been used by wealthy families, politicians and mega corporations. Believe me, they do 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 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 option 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 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 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 under the sun 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 100k in your Barefoot Retirement account. That $100,000 earns between 0% to seventeen percent each year. Then you decide to borrow $80,000 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 100k and you continue to earn the 0% to 17% 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 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 program 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 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 hesitate. 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 Clay County Call Us Today At: 405-418-6266