Cromwell Best Financial Planning & Retirement Planning 405-418-6266

Financial Advisor Cromwell

Are you looking for a financial advisor to assist with your financial planning and retirement planning? If so, you’ve found the right place. We are Oklahoma City Financial Planning Pros and we are knowledgeable financial advisors. First off, congrats on being wise 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 get this right. Life goes by way too fast. If we decide to go it alone and fall short of where we should be, it’s often challenging to make up for lost funds. The longer you wait, the more challenging it will be to come back and reach your financial 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 revealed that investors who do ask for professional help have stronger financial gains than investors who do not. It’s wise to ask for help from a knowledgeable financial advisor.

Lots of 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 a IRA and 401k? (3) How much will I need to retire? (4) What about alternative investments? (5) Do I need life insurance? 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 people reach your financial and retirement goals. After all, we have learned if a solution it too difficult to understand, it will be too challenging to use and watch and thus will not be acted upon in the first place. That’s why we know to keep things simple.

Financial Planning Cromwell

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 reach your financial and retirement goals? Most people have no idea what-so-ever. As we understand, before you can get to where you wish to go, you first need to discover where you are right now.

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 user friendly to use, yet very effective. Our simple retirement calculators are totally 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.

Many of our clients use them frequently running various “what it” ideas to see how little shifts 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 enter in your age, the age you desire 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 accounts and the rate of return that you wish you will achieve during your retirement years. That’s it. Then you just click the calculate button.

The results of your inputs pull up instantly. It will tell 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’re not on goal, the calculator will even show you the 4 key areas that you can change to make sure you obtain your goals. Based on those findings you can go back and enter in some different combinations of amounts and keep going back and forth to see if you can reasonably make adjustments to achieve your investment goals.

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

Note: We work with quite a few high net worth individuals who love using our strategies to grow their funds and protect themselves from soaring tax rates, creditors, soaring fees and keeping their money private and off the Government radar. However, quite a few of our clients consider themselves to be financially average.

If you are not on track to achieve 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 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.

Cromwell Financial Planners

As financial planners, most 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? Many people have no clue, 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 cost 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’s legally allowed in this amazing country of ours. It truly is that powerful. In a nutshell, this is how our program works.

You invest 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 plan requires you to pay the tax on the money before you contribute it. On the surface this may not seem 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 emergency, an unexpected expense, an unexpected opportunity or investment, college 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 take out your funds 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 such a powerful thing. At the time this is being written, Bernie Sanders is running for President. He is suggesting 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 now, 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 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 Cromwell

The next action we take in our retirement planning is to get you protected from losing money in the market. Next to taxes, market losses are the next big issue that can crush your retirement dreams and keep you working for much longer than you planned to. Lots of investors lost upwards of 50% of their funds 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 occurred 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 really is possible.

With our one-of-a-kind plan you are totally guaranteed not to lose a single dime 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 deeper you could sleep at night knowing that you were guaranteed not to lose a dollar in market declines. This one feature of The Barefoot Retirement Plan can make the difference between you having the retirement of your dreams or not.

When you get our plan set up, when the stock 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. This plan is smart on steroids.

Wealth Management Cromwell

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 our program gives you the option, if you choose to use it, to leverage your returns and actually earn 2 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 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 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 our blended index plan 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 17% on your account, and your gains are always locked in. Or, if the value of the indexes goes down 20%, 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 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 funds 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 0% to 17% each year. Then you decide to borrow 80k from the account and put it into a sweet 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 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 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 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 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.