Chickasha Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Chickasha
Are you looking for 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 experienced financial advisors. First off, congratulations on being wise enough to seek out professional help in this critically important part of your life.
As you already know, we only get this one chance at life and one chance to make this right. Life goes by far too fast. If we decide to go it alone and come in short of where we need to be, it’s often challenging to make up for lost funds. The longer you hold off on this, the more difficult it will be to produce better returns and reach your financial goals. According to a recent Forbes survey, just 52% of Americans seek out the help of a financial advisor or financial planner. Forbes also found that investors who do look for professional help have better financial gains than investors who do not. It’s wise to seek help from a knowledgeable 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 a IRA and 401k? (3) How much should I save for retirement? (4) What alternative investments can I invest in? (5) 401k 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 focus on providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we realize if a solution it too difficult to grasp, it will be too challenging to put in place and review and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Chickasha
Our first step 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 obtain your financial and retirement goals? Scores of people have no idea in the world. As we understand, before you can get to where you want to go, you first need to learn 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 super easy to use, yet very effective. Our simple retirement calculators are completely 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 frequently running various “what it” ideas to see how minor edits in their financial planning can impact their total results. The first simple retirement calculator we suggest you begin with could not be any easier to use. You simply plug in your age, the age you would like to retire, the amount you currently have saved for retirement now, how much you contribute 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 it. Now you just 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 tell you exactly how far off you are in funds, years and percentages. If you are not on track, it will even show you the 4 critical areas that you can change to insure you reach your goals. Based on the findings you can go back and plug in some different combinations of numbers and keep going back and forth and discover if you can reasonably make changes to obtain your financial goals.
It’s really very fun to do. For most people it’s a real eye-opener. Discovering where you are now and being honest about your current situation is half the battle.
Note: We work with a lot of high net worth people who love using our strategies to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their funds private and off the Government radar. However, many of our clients consider themselves to be pretty average.
If you are not on track to reach 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.
Chickasha 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 largest financial expense 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 their mortgage payments, car payments and college for their kids, etc.
That’s why it is so important for us to focus on this major expense and reduce your taxes as much as possible. We believe that our primary financial program that we happen to call The Barefoot Retirement Plan is the single most powerful way to protect yourself and save on taxes that’s legally allowed in this fantastic country of ours. It really is that powerful. In a nutshell, this is how our program works.
You contribute after taxed dollars to The Barefoot Retirement Plan. Yes, unlike your 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 money before you put them in. On the surface this may not seem as good as your IRA or 401(k) but please stay tuned. We will clearly demonstrate how our plan will blow away these other plans, without a doubt!
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 how you will be able to get 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 such a big thing. At the time this is being written, Bernie Sanders is running for President. He is proposing 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 amaze you.) 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 the future tax rates will have no choice but to rise significantly.
By setting up a Barefoot Retirement Plan you can totally protect yourself from having to pay any taxes on the money you pull out. This one benefit alone can make or break most people’s retirement plans.
Retirement Planning Chickasha
The next action we take in successful retirement planning is to get you protected from market losses. Second to taxes, market losses are the next big event that can end your retirement dreams and keep you working for much longer than you planned to. Lots of investors lost upwards of 50% of their accounts 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 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 creating, 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 really is possible.
With our unique 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 makes possible to our clients. Imagine how much nicer you could sleep at night knowing that you were completely guaranteed not to lose a dollar 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, we 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 plan is smart on steroids.
Wealth Management Chickasha
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 want to use it, to leverage your returns and actually earn two different returns, on the exact same money, 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 it is squeaky clean and as legal as legal gets.
Until recently plans like ours have mostly been used by wealthy families, politicians and giant corporations. Believe me, they do know the best ways to protect their money 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 rich.
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 17% cap. So if the value of the indexes’ tracked goes up 20% in a given year, you earn seventeen percent on your funds, and your gains are always locked in. Or, if the value of the indexes goes down 20%, you maintain your 0% 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 ask permission from anyone to do this. You are not limited to a list of investment options. You can 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 $100,000 earns between zero percent 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 seventeen percent on the entire 100k account value.
Additionally you earn whatever return you get on your $80,000 that you put into your real estate deal. So you are affectively 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 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 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 Grady County Call Us Today At: 405-418-6266