Cement Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Cement
Are you in search of a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve arrived at the most perfect place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, congrats on being smart enough to search for professional help in this really important part of your life.
As you are aware, we only get this one chance at life and one chance to make this right. Life goes by way too fast. If we try and go it alone and fall short of where we need to be, it’s often difficult to make up for lost ground. The longer you hold off on this, the harder it will be to fight your way back and obtain your portfolio goals. According to a recent Forbes survey, only 52% of Americans ask for the help of a financial advisor or financial planner. Forbes also found that people who do obtain professional help have more successful financial results than people who do not. It’s really smart to seek 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) 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) 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 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 have learned if a solution it too complex 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 know to keep things simple.
Financial Planning Cement
Our first step in financial planning and helping you reach your financial goals is to first get a baseline of where you are today financially. Are you on track to obtain your financial and retirement goals? Most people have no idea at all. As we know, before you can get to where you wish to go, you first need to determine where you are at this time.
With our plan and with keeping things easy, 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 really 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.
Many of our clients use these very often running various “what it” concepts to see how little shifts in their financial planning can impact their end results. The first simple retirement calculator we suggest you start with could not be any simpler to use. You simply key in your age, the age you wish to retire, the amount you currently have saved for retirement now, how much you invest 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. That’s all there is. Now you simply click the calculate button.
The results of your inputs pull up instantly. It will tell you if you are on track to reach 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 are not on track, it will even show you the 4 main areas that you can make changes to to help you obtain your goals. Based on those findings you can go back and type in some different combinations of amounts and keep going back and forth to see if you can reasonably make edits to reach your investment goals.
It’s really very fun to do. For most people it’s a real shocker. Finding out 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 plans to grow their accounts and protect themselves from soaring tax rates, creditors, soaring fees and keeping their funds private and off the radar. However, many of our clients consider themselves to be pretty average.
If you are not on track to achieve 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 last.
Cement 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 think will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single largest financial expenditure of their life time? Most people have no clue, 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 cost and reduce your taxes as much as possible. We believe that our main 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 amazing country of ours. It truly is that powerful. In a nutshell, this is how it works.
You contribute post taxed dollars to the plan. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you put in pre-taxed dollars, our program requires you to pay the tax on the funds before you put them in. On the surface this may not look as good as your IRA or 401(k) but please trust us. We will clearly demonstrate how our program 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 sickness, an unexpected expense, an unexpected opportunity or investment, university savings or anything under the sun, you can simply take your funds out at any time. We will show you how you will be able to take out your money 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 such a powerful thing. At the time this is being written, Bernie Sanders is running for President. He is advocating 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 blow you away.) 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 the future tax rates will have no option but to rise sharply.
By setting up a Barefoot Retirement Plan you can 100% 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 Cement
The next action we take in our retirement planning is to get you protected from losing money in the stock market. 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 needed to. Many investors lost upwards of 50% of their money in the Dot Com crash of 2000. Then, just 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 their portfolios.
Millions of hard working Americans were just getting ready to enter into retirement. When the crash happened and they lost about half of everything they had spent a lifetime working for, it was devastating. That is why the 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 patented plan you are totally 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 deeper you could sleep at night knowing that you were totally guaranteed not to lose a cent in stock market declines. This one feature alone can make the difference between you having the retirement of your dreams or being devastated.
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 your previous gains are locked in and protected from losses. Our unique plan is smart on steroids.
Wealth Management Cement
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 two different returns, on the same money, 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 promise you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have primarily been used by wealthy families, politicians and huge corporations. Believe me, they do 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 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 option that has a zero percent 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 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 those funds into ANYTHING under the sun 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 can 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 $100,000 earns between 0% to 17% each year. Then you decide to borrow $80,000 from the account and put it into a sweet 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 80k that you put into your real estate deal. So you are actually earning 2 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 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 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