Carter Financial Planning & Retirement Planning – Financial Advisor 405-418-6266

Financial Advisor Carter

Are you trying to find a financial advisor to assist with your financial planning and retirement planning? If so, you’ve found the best place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First off, congrats on being brilliant enough to seek professional help in this really important area of your life.

As you know, we only get this one chance at life and one chance to do this right. Life goes by much too fast. If we decide to go it alone and fall short of where we ought to be, it’s often difficult to make up for lost growth. The longer you put this off, the harder it will be to make up lost ground and reach your financial goals. According to a recent Forbes survey, only 52% of pre-retirees look to get the help of a financial advisor or financial planner. The survey also found that individuals who do look for professional help have better financial results than pre-retirees who do not. It’s really smart to find help from a smart financial advisor.

Lots of people start with basic questions like: (1) How much do I need to retire? (2) How much money do you need to retire? (3) How much do I need to save for retirement? (4) Do I need alternative investments? (5) SEP IRA vs ROTH IRA, 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 our clients reach your financial and retirement goals. After all, we know if a solution it too complicated to understand, it will be too complicated to put in place and watch and thus will not be acted upon in the first place. That’s why we like to keep things simple.

Financial Planning Carter

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 exceed your financial and retirement goals? Most people have no idea in the world. As we know, before you can get to where you wish to go, you first need to discover where you are at this time.

In our alignment with keeping things simple, 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 really easy to use, yet very effective. Our simple retirement calculators are free to use and they are online, so you can log in and use them at any time it is convenient with you and your schedule.

Many of our clients use them all the time running various “what it” ideas to see how little tweaks in their financial planning can impact their total results. The first simple retirement calculator we suggest you start with could not be any easier to use. You simply enter in your age, the age you wish to retire, the amount you currently have saved for retirement now, how much you put in on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently realizing on your retirement and the rate of return that you estimate 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 instantly. 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 away you are in funds, years and percentages. If you are not on track, the calculator will even show you the four key areas that you can change to make sure you obtain your goals. Based on your findings you can go back and enter in some different combinations of amounts and keep going back and forth and see if you can reasonably make edits to reach your financial goals.

It’s really quite fun to do. For most people it’s a real shocker. 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 investors who love using our strategies to grow their net worth and protect themselves from soaring tax rates, creditors, soaring fees and keeping their accounts private and off the grid. However, lots of our clients consider themselves to be financially average.

If you are not on track to achieve your 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.

Carter 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 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? 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 expenditure

That’s why it is most important for us to focus on this major expenditure and reduce your taxes as much as you can. We believe that our main 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’s legally allowed in this great country of ours. It truly is that powerful. In a nutshell, this is how our program works.

You contribute after taxed dollars to the program. Yes, unlike your 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 money before you invest 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 significantly out perform 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 an illness, an unexpected expense, an unexpected opportunity or investment, college or anything under the sun, 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 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 suggesting 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 our future tax rates will have no option but to rise sharply.

By setting up a Barefoot Retirement Plan you can completely protect yourself from needing to pay any taxes on the money you pull out. This one benefit alone can make or break most people’s retirement hopes and dreams.

Retirement Planning Carter

The next action we take in our retirement planning is to get you protected from market losses. Next to taxes, stock market losses are the next big thing that can crush your retirement dreams and keep you working for much longer than you planned to. 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 mortgage/housing market crash of 2007/2008 and many investors lost another 40% to 50% of their retirement accounts.

Millions of hard working Americans were just getting ready to enter into retirement. 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 want to get our clients 100% protected from stock market losses and crashes, and yes, it actually is possible.

With our one-of-a-kind plan you are completely guaranteed not to lose a single cent 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 easier you could sleep at night knowing that you were totally guaranteed not to lose a penny in stock market declines. This one feature alone 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 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. Our unique plan is smart on steroids.

Wealth Management Carter

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 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 exact same funds, 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 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 know the best ways to protect their funds 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 clients choose our blended index option that has a zero percent floor and a 17% cap. So if the value of the indexes’ tracked goes up twenty percent 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 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 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 $100,000 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 $100,000 and you continue to earn the zero percent to 17% on the entire 100k 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 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 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 put this off. 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.