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

Financial Advisor Chattanooga

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

As you already 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 come in short of where we ought to be, it’s often difficult to make up for lost growth. The longer you wait, the more difficult it will be to produce better returns and reach your retirement goals. According to a recent Forbes survey, just 52% of investors seek out the assistance of a financial advisor or financial planner. Forbes also found that people who do secure professional help have stronger financial returns than pre-retirees who do not. It’s smart to seek help from a smart financial advisor.

Many people start with basic questions like: (1) How much savings do I need 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) 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 blowing sometimes.

We specialize in providing simple, proven and very effective financial strategies to help people reach your financial and retirement goals. After all, we know if a solution it too difficult to learn, it will be too challenging to put in place and monitor and thus will not be acted upon in the first place. That’s why we like to keep things simple.

Financial Planning Chattanooga

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 reach your financial and retirement goals? Most people have no idea in the world. As we know for sure, before you can get to where you need to go, you first need to determine where you are right now.

With our plan and 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 simple and easy to use, yet very effective. Our simple retirement calculators are completely 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 very often running various “what it” concepts to see how small shifts in their financial planning can impact their net results. The first simple retirement calculator we suggest you start with 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 add to on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently getting on your investments and the rate of return that you think you will achieve during your retirement years. That’s all there is. Then you simply click the calculate button.

The results of your numbers pull up right away. 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, the calculator will even show you the 4 key areas that you can change to make sure you reach your goals. Based on your findings you can go back and key in some different combinations of amounts and keep going back and forth and see if you can reasonably make changes to obtain your financial goals.

It’s really quite fun to do. For most people it’s a real eye-opener. Finding out where you are now and being honest about your current standings is half the battle.

Note: We work with quite a few high net worth investors who love using our strategies to grow their accounts and protect themselves from soaring tax rates, creditors, soaring fees and keeping their investments private and off the Government grid. However, lots of our clients consider themselves to be mostly 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 objective 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.

Chattanooga Financial Planners

As financial planners, most often 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 biggest financial expense of their life? 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 single expenditure.

That’s why it is most important to focus on this major cost and reduce your taxes as much as you can. We believe that our top 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 amazing country of ours. It truly is that powerful. In a nutshell, this is how our program works.

You put in post taxed dollars to the program. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you contribute pre-taxed dollars, our plan 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 keep an open mind. We will clearly show you how our program will out perform these other plans, without a doubt!

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 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 access your funds at any time you wish 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 powerful thing. 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 choice 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 hopes and dreams.

Retirement Planning Chattanooga

The next action we take in our retirement planning is to get you protected from losing money in the market. Next to taxes, market losses are the next big thing that can end your retirement dreams and keep you working for much longer than you planned to. Far too 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 retirement accounts.

Millions of hard working Americans were just getting ready to begin retirement. When the crash happened and they lost just about half of everything they had spent a lifetime building up, 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 one-of-a-kind plan you are totally guaranteed not to lose a single dime 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 totally guaranteed not to lose a dime in market declines. This one feature by itself 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 your previous gains are locked in and protected from losses. This plan is smart on steroids.

Wealth Management Chattanooga

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 plan that we offer is that it gives you the option, if you choose 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 guarantee you it is squeaky clean and as legal as legal gets.

Until recently plans like ours have mostly been used by wealthy families, politicians and huge 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 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 our blended index account 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 twenty percent, 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 under the sun 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 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 $100,000 earns between 0% to seventeen percent each year. Then you decide to borrow 80k 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 0% to seventeen percent 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 affectively 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 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 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.