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

Financial Advisor Cushing

Are you searching for a financial advisor to assist with your financial planning and retirement planning? If so, you’ve come to the perfect place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, congrats on being smart enough to search for professional help in this super important part of your life.

As you know, we only get 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 fall short of where we need to be, it’s often challenging to make up for lost growth. The longer you wait, the harder it will be to catch up and obtain your portfolio goals. According to a recent Forbes survey, only 52% of pre-retirees seek out the help of a financial advisor or financial planner. The survey also discovered that people who do seek professional help have stronger financial gains than investors who do not. It’s really smart to seek help from a smart financial advisor.

Lots of people start with basic questions like: (1) How much savings do I need to retire? (2) What’s the real difference between an Individual Retirement Account and an 401k? (3) How much do I need to save for retirement? (4) What alternative investments can I invest in? (5) How can I save on taxes? The list of questions goes on and on. Money and investing can be very complex and mind boggling sometimes.

We specialize in providing simple, proven and very effective financial strategies to help people reach your financial and retirement goals. After all, we know if a solution it too complicated to learn, it will be too difficult to put in place and review and thus will not be acted upon in the first place. That’s why we like to keep things simple.

Financial Planning Cushing

Our first goal in financial planning and helping you reach your financial goals is to first get a starting point of where you are today financially. Are you on track to exceed 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 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 user friendly to use, yet very effective. Our simple retirement calculators are completely 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.

Lots of our clients use them frequently running various “what it” scenarios to see how little changes in their financial planning can impact their net results. The first simple retirement calculator we suggest you start with could not be any easier to use. You simply plug in your age, the age you want to retire, the amount you currently have saved for retirement now, how much you add to on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently earning on your investments and the rate of return that you wish you will achieve during your retirement years. That’s it. You then simply click the calculate button.

The results of your numbers pull up right away. It will clearly 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 track, the retirement calculator will even show you the four critical areas that you can change to be sure 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 and see if you can reasonably make edits to reach your investment goals.

It’s really much fun to do. For most people it’s a real eye-opener. Discovering 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 clients who love using our plans to grow their accounts and protect themselves from soaring tax rates, creditors, soaring fees and keeping their accounts private and off the Government radar. However, most of our clients consider themselves to be mostly average.

If you are not on track to achieve 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 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.

Cushing Financial Planners

As financial planners, most often 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 dollars most Americans spend on taxes is the single largest 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 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 expenditure and reduce your taxes as much as you can. We believe that our main 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 great country of ours. It truly is that powerful. In a nutshell, this is how our program works.

You invest post taxed dollars to the program. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our plan requires you to pay the tax on the money before you contribute it. On the surface this may not look as good as your IRA or 401(k) but please trust us. We will clearly demonstrate how our program will significantly 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 emergency, an unexpected expense, an unexpected opportunity or investment, college savings or anything at all, you can simply take your money out at any time. We will show you exactly 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, 100% 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 proposing 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 these days, 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 needing to pay any taxes on the funds you pull out. This one benefit alone can make or break most people’s retirement hopes and dreams.

Retirement Planning Cushing

The next step 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 event that can crush your retirement dreams and keep you working for much longer than you hoped to. Many investors lost upwards of 50% of their accounts 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 mortgage/housing 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 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 want to get our clients 100% protected from 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 dollar 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 totally guaranteed not to lose a dollar in stock 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 all of your previous gains are locked in and protected from losses. This plan is smart on steroids.

Wealth Management Cushing

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 our program 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 promise 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 huge 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 person 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 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 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 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 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 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 profitable real estate deal you found. Since you borrowed the funds from your account and did not take them out, your account value remains $100,000 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 actually 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 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 may 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 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.