Cleveland Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266

Financial Advisor Cleveland

Are you seeking a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve come to the most perfect place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, 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 one chance in life and one chance to do this right. Life goes by far too fast. If we attempt to go it alone and fall short of where we need to be, it’s often hard to make up for lost growth. The longer you wait, the more difficult it will be to catch up and reach your retirement goals. According to a recent Forbes survey, just 52% of pre-retirees ask for the help of a financial advisor or financial planner. The survey also found that people who do seek out professional help have more successful financial results than those who do not. It’s good to find help from a experienced financial advisor.

Lots of people start with basic questions like: (1) How much do I need to retire? (2) What’s the real difference between a IRA and 401k? (3) How much will I need to retire? (4) What about alternative investments? (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 pride ourselves on providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we have learned if a solution it too difficult to learn, it will be too complicated to implement and review and thus will not be acted upon in the first place. That’s why we always keep things simple.

Financial Planning Cleveland

Our first goal in financial planning and helping you succeed financially is to first get a benchmark of where you are today financially. Are you on track to obtain your financial and retirement goals? Scores 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 learn where you are at this time.

With our plan and with keeping things simple, 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 user friendly 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” calculations to see how minor tweaks 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 wish to retire, the amount you currently have saved for retirement now, how much you put in on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently getting on your portfolio and the rate of return that you estimate you will achieve during your retirement years. It’s that simple. You then just 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 tell you exactly how far away you are in funds, years and percentages. If you are not on goal, the retirement calculator will even show you the four critical areas that you can change to help you obtain your goals. Based on the findings you can go back and key in some different combinations of amounts and keep going back and forth and find out if you can reasonably make edits to obtain your goals.

It’s really much fun to do. For most people it’s a real shocker. Finding out where you are now and being honest about your current situation is half the battle.

Note: We work with quite a few high net worth people who love using our plans to grow their funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the Government grid. However, lots 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 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 live.

Cleveland 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 amount most Americans spend on taxes is the single largest financial cost of their life? Many 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 to focus on this major expenditure 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 most effective way to protect yourself and save on taxes that is legally allowed in this fantastic country of ours. It really is that powerful. In a nutshell, this is how our program works.

You put in after taxed dollars to our 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 money 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 demonstrate how our program will blow away 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 sickness, an unexpected expense, an unexpected opportunity or investment, college 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 get your money at any time you wish with zero 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 so powerful. At the time this is being written, Bernie Sanders is running for President. He is wanting 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 choice but to rise sharply.

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 plans.

Retirement Planning Cleveland

The next step 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 thing that can destroy your retirement dreams and keep you working for much longer than you hoped to. Lots of 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 next market crash of 2007/2008 and many investors lost another 40% to 50% of their money.

Millions of hard working Americans were just getting ready to begin retirement. When the crash occurred and they lost about half of everything they had spent a lifetime creating, it was devastating. That is why our team at Oklahoma City Financial Planning Pros works so hard every day. We work to get our clients 100% protected from market losses and crashes, and yes, it truly is possible.

With our powerful plan you are 100% guaranteed not to lose a single cent due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this makes possible to our clients. Imagine how much better 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 devastated.

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 your previous gains are locked in and protected from losses. This plan is smart on steroids.

Wealth Management Cleveland

We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the strong benefits of our unique and patented flagship program that we offer is that the plan gives you the option, if you want to use it, to leverage your returns and actually earn two different returns, on the same funds, 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 mainly been used by wealthy families, politicians and huge 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 average investor 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 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 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 0% floor and suffer 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 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 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 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 investment. So you are actually earning 2 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 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 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 might 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 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.