Clinton Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Clinton
Are you in search of 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 knowledgeable financial advisors. First off, congrats on being smart enough to seek professional help in this critically important area of your life.
As you already know, we only get one chance at life and one chance to do this right. Life goes by way too fast. If we attempt to go it alone and come in 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 more difficult it will be to catch up 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 seek out professional help have more profitable financial returns than people who do not. It’s wise to seek help from a good financial advisor.
Most people start with basic questions like: (1) How much do I need to retire? (2) How much to save for retirement? (3) How much should I 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. Finances and investing can be very complex and mind boggling sometimes.
We are known for providing simple, proven and very effective financial strategies to help you reach your financial and retirement goals. After all, we realize if a solution it too difficult 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 like to keep things simple.
Financial Planning Clinton
Our first goal 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? Many people have no idea in the world. As we know, before you can get to where you want to go, you first need to discover where you are at this time.
In our alignment with keeping things easy, 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 really easy to use, yet very effective. Our simple retirement calculators are totally free to use and they are online, so you can access and use them at any time it is convenient with you and your schedule.
Many of our clients use these frequently running various “what it” ideas to see how little shifts in their financial planning can impact their overall results. The first simple retirement calculator we suggest you begin with could not be any easier to use. You simply key in your age, the age you desire 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 earning on your accounts and the rate of return that you hope you will achieve during your retirement years. That’s all there is. Next you just click the calculate button.
The results of your numbers pull up instantly. It will show you if you are on track to obtain 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 goal, it will even show you the 4 critical areas that you can change to insure you obtain your goals. Based on those findings you can go back and plug in some different combinations of amounts and keep going back and forth to see if you can reasonably make edits to achieve your retirement goals.
It’s really very 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 a lot of high net worth individuals who love using our plans to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts private and off the Government radar. However, lots of our clients consider themselves to be pretty average.
If you are not on track to obtain 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 live.
Clinton Financial Planners
As financial planners, 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 think will be, future tax rate increases. Did you know that the dollars most Americans spend on taxes is the single biggest financial expenditure of their life time? Lots of 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 most important for us to focus on this major cost and reduce your taxes as much as possible. We believe that our main financial plan that we happen to call The Barefoot Retirement Plan is the single most powerful way to protect yourself and save on taxes that is legally allowed in this fantastic country of ours. It truly is that powerful. In a nutshell, this is how it works.
You contribute after taxed dollars to the program. Yes, unlike your 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 invest it. On the surface this may not seem as good as your IRA or 401(k) but please trust us. 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 the funds for any reason at all like sickness, 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 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 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 shock you.) It only took us 13 months to go from 18 trillion to 19 trillion. With the way things are going now, 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 100% 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 plan.
Retirement Planning Clinton
The next task we take in our retirement planning is to get you protected from market losses. Next to taxes, market losses are the next big cause that can destroy your retirement dreams and keep you working for much longer than you wanted 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 next 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 retire. When the crash happened and they lost almost 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 strive 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 penny 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 nicer you could sleep at night knowing that you were 100% guaranteed not to lose a cent in 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 stock 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. This plan is smart on steroids.
Wealth Management Clinton
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the amazing benefits of our unique and patented flagship plan that we offer is that the 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 people hear this, it sounds too good to be true and may even question if it is legal. We assure 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 giant corporations. Believe me, they do 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 our blended index plan 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 experience 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 world 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 get to 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 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 zero percent to seventeen percent on the entire 100k 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 two 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 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 may 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 Custer County Call Us Today At: 405-418-6266