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

Financial Advisor Crescent

Are you trying to find a financial advisor to help with your financial planning and retirement planning? If so, you’ve found the most perfect place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First of all, congrats on being smart enough to look for professional help in this very important part of your life.

As you know, we only get this one chance at life and one chance to do this right. Life goes by much 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 results. The longer you delay, the more challenging it will be to make up lost ground and reach your retirement goals. According to a recent Forbes survey, only 52% of individuals seek out the help of a financial advisor or financial planner. They also found that investors who do use professional help have stronger financial performance than individuals who do not. It’s really smart to obtain help from a experienced financial advisor.

Most people start with basic questions like: (1) How much money do I need to retire? (2) How much to save for retirement? (3) How much do I need to save for retirement? (4) What’s the story on alternative investments? (5) Is a 401k better than an IRA? The list of questions goes on and on. Finances and investing can be very complex and mind boggling sometimes.

We specialize in 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 complicated to grasp, it will be too difficult to put in place and watch and thus will not be acted upon in the first place. That’s why we know to keep things simple.

Financial Planning Crescent

Our first goal 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 obtain your financial and retirement goals? Many people have no idea what-so-ever. As we know for sure, before you can get to where you want to go, you first need to find out where you are at this time.

With our plan and 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 really easy to use, yet very effective. Our simple retirement calculators are 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.

Lots of our clients use these all the time running various “what it” calculations to see how small tweaks in their financial planning can impact their total results. The first simple retirement calculator we suggest you start with could not be any simpler to use. You simply type in your age, the age you would like 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 easy. You then just click the calculate button.

The results of your inputs pull up instantly. It will clearly show 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 goal, the retirement calculator will even show you the 4 critical areas that you can change to be sure you obtain your goals. Based on your findings you can go back and type in some different combinations of numbers and keep going back and forth and discover if you can reasonably make adjustments to obtain your retirement goals.

It’s really quite 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 strategies to grow their net worth and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the Government grid. However, many of our clients consider themselves to be financially average.

If you are not on track to reach 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 do.

Crescent 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 believe 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? 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 expenditure and reduce your taxes as much as you can. We believe that our best financial program that we happen to call The Barefoot Retirement Plan is the single most successful 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 it works.

You invest post taxed dollars to the plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you put in 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 appear as good as your IRA or 401(k) but please trust us. We will clearly show you how our plan will blow away 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 emergency, 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 take out your funds at any time you wish 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 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 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 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 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 Crescent

The next action we take in successful retirement planning is to get you protected from losing money in the market. Second to taxes, market losses are the next big issue that can crush your retirement dreams and keep you working for much longer than you needed to. Lots of investors lost upwards of 50% of their money in the Dot Com crash of 2000. Then, just 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 retirement accounts.

Millions of hard working Americans were just getting ready to enter into retirement. When the crash happened and they lost about half of everything they had spent a lifetime working for, 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 unique plan you are totally guaranteed not to lose a single penny 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 easier you could sleep at night knowing that you were 100% guaranteed not to lose a cent in stock market declines. This one feature by itself can make the difference between you having the retirement of your dreams or not.

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 all of your previous gains are locked in and protected from losses. Our unique plan is smart on steroids.

Wealth Management Crescent

We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the powerful benefits of our unique and patented flagship plan that we offer is that our program gives you the option, if you want to use it, to leverage your returns and actually earn 2 different returns, on the 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 mega 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 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 the blended index account that has a zero percent floor and a seventeen percent 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 20%, you maintain your zero percent floor and have 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 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 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 100k earns between zero percent to seventeen percent each year. Then you decide to borrow $80,000 from the account and put it into a great 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 $80,000 that you put into your real estate deal. 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 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 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.