Coalgate Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor Coalgate
Are you trying to find a financial advisor to help with your financial planning and retirement planning? If so, you’ve come to the best place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, congratulations on being smart enough to look for professional help in this really important area of your life.
As you know, we only get this one chance at life and one chance to make this right. Life goes by way too fast. If we attempt to go it alone and fall short of where we ought to be, it’s often hard to make up for lost results. The longer you wait, the harder it will be to come back and obtain your financial goals. According to a recent Forbes survey, only 52% of investors ask for the help of a financial advisor or financial planner. The survey also revealed that those who do look for professional help have more successful financial results than investors who do not. It’s smart to seek help from a smart financial advisor.
Many 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) ROTH IRA vs 401(k), which is better? The list of questions goes on and on. Finances and investing can be very complex and mind blowing sometimes.
We specialize in 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 complicated to learn, it will be too challenging to use and watch and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Coalgate
Our first step in financial planning and helping you succeed financially is to first get a starting point of where you are today financially. Are you on track to achieve your financial and retirement goals? Most people have no idea at all. As we know for sure, before you can get to where you wish to go, you first need to determine where you are at this time.
In our alignment 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 super easy to use, yet very effective. Our simple retirement calculators are completely 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.
Lots of our clients use them 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 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 annual income during your retirement years, the approximate rate of return you are currently getting on your retirement and the rate of return that you think you will achieve during your retirement years. It’s that simple. Next you simply click the calculate button.
The results of your numbers 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 goal, the calculator will even show you the 4 main areas that you can make changes to to be sure you reach your goals. Based on your findings you can go back and enter in some different combinations of amounts and keep going back and forth and discover if you can reasonably make adjustments to obtain your retirement goals.
It’s really very fun to do. For most people it’s a real eye-opener. Knowing 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 individuals who love using our strategies to grow their portfolios and protect themselves from soaring tax rates, creditors, soaring fees and keeping their funds private and off the Government grid. 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 last.
Coalgate 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 biggest financial cost of their life time? Most people have no idea, yet it is true for most of us. The average American spends more on taxes than they do on any other expense.
That’s why it is so important to focus on this major expense and reduce your taxes as much as possible. We believe that our top financial program 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 really is that powerful. In a nutshell, this is how our plan works.
You contribute after taxed dollars to The Barefoot Retirement 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 invest it. On the surface this may not seem as good as your IRA or 401(k) but please keep reading. We will clearly demonstrate how our plan will out perform 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 an illness, an unexpected expense, an unexpected opportunity or investment, university savings 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 money at any time 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 so powerful. At the time this is being written, Bernie Sanders is running for President. He is suggesting 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 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 our future tax rates will have no option but to rise significantly.
By setting up a Barefoot Retirement Plan you can completely 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 hopes and dreams.
Retirement Planning Coalgate
The next action we take in successful 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 ruin your retirement dreams and keep you working for much longer than you wanted 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 happened and they lost about 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 work 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 dollar due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this brings to our clients. Imagine how much easier you could sleep at night knowing that you were completely guaranteed not to lose a penny 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 stock 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 Coalgate
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the strong benefits of our unique and patented flagship plan that we offer is that our plan gives you the option, if you choose 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 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 giant 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 average investor and not just the rich.
Here is a high level look at how the leveraging option could work. Many clients choose our 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 funds, 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 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 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 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 $100,000 earns between zero percent 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 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 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 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 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 Coal County Call Us Today At: 405-418-6266