Canute Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Canute
Are you trying to find a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve come to the right 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 part of your life.
As you already know, we only get one chance in life and one chance to do this right. Life goes by way too fast. If we decide to go it alone and come in short of where we ought to be, it’s often difficult to make up for lost growth. The longer you delay, the harder it will be to fight your way back and achieve your retirement goals. According to a recent Forbes survey, just 52% of investors ask for the assistance of a financial advisor or financial planner. Forbes also revealed that investors who do seek out professional help have more profitable financial gains than investors who do not. It’s wise to find help from a smart financial advisor.
Most people start with basic questions like: (1) How much money do I need to be able to retire? (2) What’s the real difference between an IRA vs 401k? (3) How much will I need to retire? (4) Do I need alternative investments? (5) Is a 401k better than an IRA? The list of questions goes on and on. Finances and investing can be very complex and mind boggling sometimes.
We specialize in providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we have learned if a solution it too complicated to learn, it will be too complicated to set up and watch and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Canute
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 reach your financial and retirement goals? Lots of people have no idea what-so-ever. As we understand, before you can get to where you wish to go, you first need to learn 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 very often running various “what it” calculations to see how little edits in their financial planning can impact their total results. The first simple retirement calculator we suggest you use could not be any easier to use. You simply key 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 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 instantly. It will clearly show you if you are on track to obtain your retirement goals or not, and if not, it will tell you exactly how far away you are in funds, years and percentages. If you’re not on track, the calculator will even show you the four main areas that you can make changes to to make sure you reach your goals. Based on the 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 changes to reach your goals.
It’s really quite fun to do. For most people it’s a real shocker. Discovering where you are now and being honest about your current situation is half the battle.
Note: We work with quite a few high net worth clients who love using our plans to grow their net worth and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the Government grid. However, many of our clients consider themselves to be pretty average.
If you are not on track to obtain 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 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.
Canute 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 dollars most Americans spend on taxes is the single largest financial expenditure of their life time? Many 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 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 best financial plan 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 plan. 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 money before you contribute 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 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 emergency, an unexpected expense, an unexpected opportunity or investment, college or anything at all, you can simply take your funds 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 so powerful. 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 option but to rise significantly.
By setting up a Barefoot Retirement Plan you can completely 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 dreams.
Retirement Planning Canute
The next task we take in our 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 destroy your retirement dreams and keep you working for much longer than you wanted to. Large numbers of 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 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 almost 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 work to get our clients 100% protected from market losses and crashes, and yes, it truly is possible.
With our one-of-a-kind plan you are completely guaranteed not to lose a single penny due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this gives to our clients. Imagine how much deeper you could sleep at night knowing that you were totally guaranteed not to lose a dollar 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 stock 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. This plan is smart on steroids.
Wealth Management Canute
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 it gives you the option, if you want 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 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 huge 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 investor 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 plan 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 17% 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 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 in the world 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 get to 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 100k earns between 0% to seventeen percent 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 100k 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 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 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 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 could 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 wait. 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 Washita County Call Us Today At: 405-418-6266