Caldwell Financial Advisor – Retirement & Financial Planning Pros 405-418-6266

Financial Advisor Caldwell

Are you seeking a financial advisor to assist 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 experienced financial advisors. First off, congrats on being smart enough to search for professional help in this really important part of your life.

As you are aware, we only get one chance in life and one chance to get this right. Life goes by much too fast. If we try and go it alone and come in short of where we ought to be, it’s often hard to make up for lost growth. The longer you delay, the more challenging it will be to come back and obtain your financial goals. According to a recent Forbes survey, just 52% of investors seek out the help of a financial advisor or financial planner. Forbes also discovered that investors who do look for professional help have stronger financial gains than pre-retirees who do not. It’s really smart to get help from a smart financial advisor.

Most people start with basic questions like: (1) How much do I need to retire? (2) What’s the real difference between an Individual Retirement Account and an 401k? (3) How much should I 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. Finance and investing can be very complex and mind boggling 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 complicated to learn, it will be too difficult to implement and watch and thus will not be acted upon in the first place. That’s why we always keep things simple.

Financial Planning Caldwell

Our first step 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 achieve your financial and retirement goals? Lots of people have no idea what-so-ever. As we understand, before you can get to where you need to go, you first need to discover where you are at this time.

With our plan and 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 simple and easy to use, yet very effective. Our simple retirement calculators are 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.

Lots of our clients use them very often running various “what it” scenarios to see how small shifts in their financial planning can impact their net 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 add to on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently realizing on your accounts and the rate of return that you estimate you will achieve during your retirement years. That’s it. You then just click the calculate button.

The results of your numbers pull up right away. It will show you if you are on track to obtain 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 track, the 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 key in some different combinations of amounts and keep going back and forth and find out if you can reasonably make adjustments to achieve your retirement goals.

It’s really quite fun to do. For most people it’s a real eye-opener. Knowing where you are now and being honest about your current standings is half the battle.

Note: We work with many high net worth people who love using our strategies to grow their funds and protect themselves from soaring tax rates, creditors, soaring fees and keeping their investments private and off the grid. However, most of our clients consider themselves to be financially average.

If you are not on track to reach 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.

Caldwell 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 expenditure of their life time? 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 most important to focus on this major expense and reduce your taxes as much as you can. We believe that our top financial program that we happen to call The Barefoot Retirement Plan is the single most successful way to protect yourself and save on taxes that is legally allowed in this fantastic country of ours. It truly is that powerful. In a nutshell, this is how our plan works.

You contribute 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 plan requires you to pay the tax on the funds before you invest it. On the surface this may not seem as good as your IRA or 401(k) but please keep reading. We will clearly demonstrate how our program will significantly 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 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 access your funds 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 big 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 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 significantly.

By setting up a Barefoot Retirement Plan you can totally protect yourself from having 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 Caldwell

The next task we take in our retirement planning is to get you protected from market losses. Next to taxes, market losses are the next big thing that can destroy your retirement dreams and keep you working for much longer than you hoped to. Far too many 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 portfolios.

Millions of hard working Americans were just getting ready to retire. When the crash happened and they lost just 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 work to get our clients 100% protected from stock market losses and crashes, and yes, it really is possible.

With our unique plan you are 100% 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 provides 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 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. Our plan is smart on steroids.

Wealth Management Caldwell

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 our plan gives you the option, if you want to use it, to leverage your returns and actually earn two different returns, on the same money, 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 it is squeaky clean and as legal as legal gets.

Until recently plans like ours have primarily been used by wealthy families, politicians and mega 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 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 funds, and your gains are always locked in. Or, if the value of the indexes goes down twenty percent, 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 that money into ANYTHING under the sun 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 can choose to put your funds 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 100k and you continue to earn the zero percent to seventeen percent on the entire 100k account value.

Additionally you earn whatever return you get on your $80,000 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 powerful 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 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.