Calvin Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Calvin
Are you in search of a financial advisor to help with your financial planning and retirement planning? If so, you’ve come to the best place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First off, congrats on being smart enough to seek professional help in this super important area of your life.
As you know, we only get 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 ought to be, it’s often hard to make up for lost ground. The longer you wait, the more challenging it will be to produce better returns and obtain your portfolio goals. According to a recent Forbes survey, just 52% of investors seek out the assistance of a financial advisor or financial planner. They also found that investors who do secure professional help have better financial gains than people who do not. It’s good to find help from a experienced financial advisor.
Most 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 about alternative investments? (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 specialize in providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we know if a solution it too complicated to learn, it will be too complicated to use and watch and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Calvin
Our first goal in financial planning and helping you succeed financially is to first get a benchmark of where you are today financially. Are you on track to achieve your financial and retirement goals? Many people have no idea what-so-ever. As we know, before you can get to where you need to go, you first need to find out where you are at this time.
In our alignment 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 quick and easy to use, yet very effective. Our simple retirement calculators are totally 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.
Lots of our clients use them very often running various “what it” concepts to see how little shifts in their financial planning can impact their net results. The first simple retirement calculator we suggest you use could not be any easier to use. You simply enter in your age, the age you desire to retire, the amount you currently have saved for retirement now, how much you contribute 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 wish you will achieve during your retirement years. It’s that easy. Next you just click the calculate button.
The results of your inputs pull up right away. It will 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, the retirement calculator will even show you the 4 key areas that you can change to insure you obtain your goals. Based on the findings you can go back and plug in some different combinations of numbers and keep going back and forth and discover if you can reasonably make adjustments to achieve your financial goals.
It’s really very 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 quite a few high net worth individuals who love using our strategies to grow their net worth and protect themselves from soaring tax rates, creditors, soaring fees and keeping their money private and off the radar. However, most of our clients consider themselves to be financially 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.
Calvin Financial Planners
As financial planners, usually 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 largest financial expense of their life? Most people have no idea, 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 for us to focus on this major cost 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 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 plan works.
You put in after taxed dollars to The Barefoot Retirement Plan. Yes, unlike your 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 invest it. On the surface this may not look as good as your IRA or 401(k) but please trust us. We will clearly show you how our plan will beat the pants off of 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 emergency, 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 how you will be able to access your funds 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 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 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 having 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 Calvin
The next step we take in successful retirement planning is to get you protected from market losses. Second to taxes, stock market losses are the next big issue that can destroy your retirement dreams and keep you working for much longer than you hoped to. Many investors lost upwards of 50% of their funds in the Dot Com crash of 2000. Then, just 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 money.
Millions of hard working Americans were just getting ready to retire. When the crash happened and they lost almost 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 want to get our clients 100% protected from market losses and crashes, and yes, it truly is possible.
With our powerful plan you are totally 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 gives to our clients. Imagine how much better you could sleep at night knowing that you were completely guaranteed not to lose a dollar in market declines. This one feature alone 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, 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 unique plan is smart on steroids.
Wealth Management Calvin
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the amazing benefits of our unique and patented flagship program that we offer is that our plan gives you the option, if you wish to use it, to leverage your returns and actually earn 2 different returns, on the 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 assure 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 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 clients choose the blended index plan 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 seventeen percent on your money, 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 that money into ANYTHING in the planet 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 100k in your Barefoot Retirement account. That 100k earns between zero percent 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 $100,000 and you continue to earn the zero percent 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 deal. So you are affectively earning two 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 amazing 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 Hughes County Call Us Today At: 405-418-6266