Carnegie Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Carnegie
Are you trying to find a financial advisor to assist with your financial planning and retirement planning? If so, you’ve come to the most perfect place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First off, congratulations on being brilliant enough to seek professional help in this really important area of your life.
As you already know, we only get this one chance in life and one chance to do 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 results. The longer you hold off on this, the more challenging it will be to catch up and obtain your financial goals. According to a recent Forbes survey, only 52% of investors seek out the assistance of a financial advisor or financial planner. Forbes also discovered that pre-retirees who do look for professional help have better financial returns than pre-retirees who do not. It’s smart to obtain help from a smart financial advisor.
Many people start with basic questions like: (1) How much savings do I need to retire? (2) How much to save for retirement? (3) How much will I need to retire? (4) What’s the story on alternative investments? (5) SEP IRA vs ROTH IRA, which is better? The list of questions goes on and on. Finance and investing can be very complex and mind boggling sometimes.
We are known for 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 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 like to keep things simple.
Financial Planning Carnegie
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 reach your financial and retirement goals? Lots of 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 right now.
With our plan and with keeping things easy, 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 quick and 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.
Lots of our clients use them very often running various “what it” scenarios to see how little shifts in their financial planning can impact their end 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 want to retire, the amount you currently have saved for retirement now, how much you add to on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently realizing on your investments and the rate of return that you estimate you will achieve during your retirement years. It’s that easy. You then just click the calculate button.
The results of your numbers pull up instantly. 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 off you are in funds, years and percentages. If you are not on track, it will even show you the four critical areas that you can change to insure you reach your goals. Based on those findings you can go back and enter in some different combinations of amounts and keep going back and forth and find out if you can reasonably make edits to achieve your retirement goals.
It’s really much fun to do. For most people it’s a real shocker. Knowing where you are right now and being honest about your current standings is half the battle.
Note: We work with many high net worth individuals who love using our plans to grow their accounts and protect themselves from soaring tax rates, creditors, soaring fees and keeping their money private and off the Government radar. However, many 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.
Carnegie 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 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 time? 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 on any other single expenditure.
That’s why it is most important for us to focus on this major cost and reduce your taxes as much as possible. We believe that our best financial program that we happen to call The Barefoot Retirement Plan is the single best way to protect yourself and save on taxes that’s legally allowed in this great country of ours. It really is that powerful. In a nutshell, this is how our plan works.
You put in after taxed dollars to our 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 appear as good as your IRA or 401(k) but please keep reading. We will clearly show you how our program will significantly out perform these other plans, bar none!
You funds then grow tax differed within your account. If you need your 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 funds 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, 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 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 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 our 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 dreams.
Retirement Planning Carnegie
The next step we take in successful retirement planning is to get you protected from losing money in the market. Next to taxes, stock market losses are the next big issue that can end your retirement dreams and keep you working for much longer than you hoped to. Lots of investors lost upwards of 50% of their money 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 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 enter into retirement. When the crash triggered and they lost almost 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 want to get our clients 100% protected from market losses and crashes, and yes, it really is possible.
With our one-of-a-kind plan you are 100% guaranteed not to lose a single dollar due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this provides to our clients. Imagine how much easier you could sleep at night knowing that you were 100% guaranteed not to lose a penny 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. This plan is smart on steroids.
Wealth Management Carnegie
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 it 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 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 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 the blended index option that has a 0% floor and a 17% cap. So if the value of the indexes’ tracked goes up twenty percent 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 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 those funds into ANYTHING in the planet 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 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 0% to 17% 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 0% to seventeen percent on the entire 100k account value.
Additionally you earn whatever return you get on your 80k that you put into your real estate deal. 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 patented 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.
For The Best Financial And Retirement Planning In Caddo County Call Us Today At: 405-418-6266