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

Financial Advisor Calumet

Are you seeking a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve arrived at 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 professional help in this most important part 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 attempt to go it alone and fall short of where we should be, it’s often challenging to make up for lost growth. The longer you delay, the harder it will be to catch up and obtain your portfolio goals. According to a recent Forbes survey, only 52% of individuals look to get the assistance of a financial advisor or financial planner. Forbes also discovered that individuals who do use professional help have stronger financial gains than investors who do not. It’s wise to find help from a experienced financial advisor.

Many people start with basic questions like: (1) How much money do I need to retire? (2) What’s the real difference between an Individual Retirement Account and an 401k? (3) How much will I need to retire? (4) What about alternative investments? (5) ROTH IRA vs 401(k), 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 people reach your financial and retirement goals. After all, we realize if a solution it too difficult to understand, it will be too challenging to implement and monitor and thus will not be acted upon in the first place. That’s why we always keep things simple.

Financial Planning Calumet

Our first goal in financial planning and helping you succeed financially is to first get a baseline of where you are today financially. Are you on track to achieve your financial and retirement goals? Many people have no idea in the world. As we understand, before you can get to where you want to go, you first need to find out where you are right now.

In our alignment with keeping things simple, 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 user friendly 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.

Many of our clients use these all the time running various “what it” concepts to see how minor tweaks in their financial planning can impact their net results. The first simple retirement calculator we suggest you use could not be any simpler to use. You simply type in your age, the age you want 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 portfolio and the rate of return that you think you will achieve during your retirement years. That’s all there is. Next you simply click the calculate button.

The results of your numbers pull up right away. It will clearly show 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, it will even show you the 4 critical areas that you can change to insure you obtain your goals. Based on your findings you can go back and type in some different combinations of amounts and keep going back and forth and discover if you can reasonably make edits to obtain your retirement goals.

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

Note: We work with quite a few high net worth individuals who love using our plans to grow their portfolios and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts private and off the radar. However, many of our clients consider themselves to be mostly 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 last.

Calumet 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 think 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? Lots of people have no idea, yet it is true for most of us. The average American spends more on taxes than they do on their mortgage payments, car payments and college for their kids, etc.

That’s why it is most important to focus on this major cost and reduce your taxes as much as you can. We believe that our top financial plan that we happen to call The Barefoot Retirement Plan is the single most effective 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 program works.

You put in post taxed dollars to the plan. Yes, unlike your 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 funds before you contribute it. On the surface this may not look as good as your IRA or 401(k) but please keep an open mind. We will clearly demonstrate how our plan 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 sickness, an unexpected expense, an unexpected opportunity or investment, university savings or anything under the sun, you can simply take your money out at any time. We will show you 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 powerful thing. At the time this is being written, Bernie Sanders is running for President. He is suggesting 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 amaze you.) It only took us 13 months to go from 18 trillion to 19 trillion. With the way things are going now, most experts believe that the future tax rates will have no choice but to rise sharply.

By setting up a Barefoot Retirement Plan you can 100% 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 plan.

Retirement Planning Calumet

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 hoped to. Many investors lost upwards of 50% of their money 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 everything.

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 creating, it was devastating. That is why our 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 truly 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 tell you how much peace of mind this brings to our clients. Imagine how much deeper you could sleep at night knowing that you were 100% guaranteed not to lose a dime in stock market declines. This one feature of the plan can make the difference between you having the retirement of your dreams or not.

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 Calumet

We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the strong benefits of our unique and patented flagship plan 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 money, 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 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 do 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 main stream and not just the wealthy.

Here is a high level look at how the leveraging option could work. Many of our clients choose our blended index account 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 account, 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 experience 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 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 get to 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 100k earns between zero percent 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 0% to 17% 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 two 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 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 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 could 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.