Cache Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Cache
Are you seeking a financial advisor to help with your financial planning and retirement planning? If so, you’ve found the most perfect place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First off, congrats on being brilliant enough to look for professional help in this really important area of your life.
As you already know, we only get this one chance at life and one chance to make this right. Life goes by far too fast. If we try and go it alone and fall short of where we should be, it’s often hard to make up for lost funds. The longer you wait, the more difficult it will be to fight your way back and achieve your portfolio goals. According to a recent Forbes survey, only 52% of investors ask for the help of a financial advisor or financial planner. They also revealed that pre-retirees who do use professional help have stronger financial gains than investors 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 should I save for retirement? (4) What alternative investments can I invest in? (5) What can I do to insure I never lose money? The list of questions goes on and on. Money and investing can be very complex and mind boggling sometimes.
We pride ourselves on providing simple, proven and very effective financial strategies to help you reach your financial and retirement goals. After all, we know if a solution it too complex to understand, it will be too difficult to implement and review and thus will not be acted upon in the first place. That’s why we like to keep things simple.
Financial Planning Cache
Our first step 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 exceed your financial and retirement goals? Lots of 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 learn 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 completely 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 these very often running various “what it” calculations to see how small changes in their financial planning can impact their total results. The first simple retirement calculator we suggest you start with could not be any simpler 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 contribute 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 estimate you will achieve during your retirement years. It’s that easy. You then simply click the calculate button.
The results of your numbers pull up immediately. 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 away you are in funds, years and percentages. If you’re not on goal, it will even show you the four main areas that you can make changes to to be sure you reach your goals. Based on the findings you can go back and type in some different combinations of numbers and keep going back and forth and see if you can reasonably make adjustments to obtain 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 situation is half the battle.
Note: We work with a lot of high net worth clients 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 grid. However, most of our clients consider themselves to be pretty 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 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 do.
Cache 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 believe 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? 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 single expenditure.
That’s why it is so important to focus on this major expense and reduce your taxes as much as possible. We believe that our flagship financial program that we happen to call The Barefoot Retirement Plan is the single best 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 it works.
You put in after taxed dollars to the program. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our program requires you to pay the tax on the funds before you contribute it. On the surface this may not seem as good as your IRA or 401(k) but please keep reading. We will clearly show you how our program will out perform 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, 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 get your funds 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 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. 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 choice but to rise significantly.
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 hopes and dreams.
Retirement Planning Cache
The next step we take in successful retirement planning is to get you protected from losing money in the market. Second to taxes, market losses are the next big thing that can crush your retirement dreams and keep you working for much longer than you wanted to. Many 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 their money.
Millions of hard working Americans were just getting ready to retire. 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 the team at Oklahoma City Financial Planning Pros works so hard every day. We strive to get our clients 100% protected from market losses and crashes, and yes, it actually is possible.
With our unique plan you are 100% 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 nicer you could sleep at night knowing that you were completely guaranteed not to lose a penny in stock market declines. This one feature by itself can make the difference between you having the retirement of your dreams or being devastated.
When you get our plan set up, when the market goes up, we 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 Cache
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 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 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 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 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 average person and not just the wealthy.
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 20% in a given year, you earn seventeen percent 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 suffer 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 seek permission from anyone to do this. You are not limited to a list of investment options. You can 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 $100,000 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 zero percent to 17% on the entire 100k account value.
Additionally you earn whatever return you get on your $80,000 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 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 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 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 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 Comanche County Call Us Today At: 405-418-6266