Dewar Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Dewar
Are you trying to find a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve arrived at the best place. We are Oklahoma City Financial Planning Pros and we are knowledgeable financial advisors. First of all, congratulations on being wise enough to search for professional help in this most 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 much too fast. If we attempt to go it alone and come in short of where we ought to be, it’s often challenging to make up for lost results. The longer you hold off on this, the more difficult it will be to catch up and obtain your financial goals. According to a recent Forbes survey, only 52% of investors seek out the assistance of a financial advisor or financial planner. They also found that pre-retirees who do seek out professional help have more profitable financial performance than pre-retirees who do not. It’s really smart to find help from a good financial advisor.
Lots of people start with basic questions like: (1) How much money do I need to retire? (2) How much money do you need to retire? (3) How much will I need to retire? (4) What’s the story on alternative investments? (5) How can I save on taxes? The list of questions goes on and on. Finances and investing can be very complex and mind blowing sometimes.
We are known for providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we have learned if a solution it too difficult to grasp, it will be too complicated to set up and monitor and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Dewar
Our first goal in financial planning and helping you reach your financial goals is to first get a benchmark of where you are today financially. Are you on track to obtain your financial and retirement goals? Scores of people have no idea at all. As we understand, before you can get to where you need to go, you first need to determine where you are right now.
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 completely 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.
Many of our clients use them frequently running various “what it” scenarios to see how minor edits in their financial planning can impact their end results. The first simple retirement calculator we suggest you start with could not be any easier to use. You simply key 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 earning on your accounts and the rate of return that you believe 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 obtain your retirement goals or not, and if not, it will tell you exactly how far off you are in funds, years and percentages. If you’re not on goal, the retirement calculator will even show you the four main areas that you can change to be sure you reach your goals. Based on your findings you can go back and type in some different combinations of numbers and keep going back and forth to see if you can reasonably make edits to reach your retirement goals.
It’s really very fun to do. For most people it’s a real eye-opener. Discovering where you are right now and being honest about your current finances is half the battle.
Note: We work with many high net worth people who love using our plans to grow their portfolios and protect themselves from soaring tax rates, creditors, soaring fees and keeping their investments private and off the radar. However, lots of our clients consider themselves to be financially average.
If you are not on track to reach 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 do.
Dewar 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 believe will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single largest financial expenditure of their life? 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 any other expense.
That’s why it is most important for us to focus on this major expense and reduce your taxes as much as possible. We believe that our flagship financial program that we happen to call The Barefoot Retirement Plan is the single most powerful way to protect yourself and save on taxes that’s legally allowed in this great country of ours. It really is that powerful. In a nutshell, this is how it works.
You put in after taxed dollars to our plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you contribute pre-taxed dollars, our program requires you to pay the tax on the money before you invest it. On the surface this may not appear as good as your IRA or 401(k) but please trust us. We will clearly demonstrate how our program 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 an illness, an unexpected expense, an unexpected opportunity or investment, university savings or anything at all, you can simply take your money out at any time. We will show you how you will be able to access your money at any time 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 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 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 our future tax rates will have no choice but to rise sharply.
By setting up a Barefoot Retirement Plan you can totally 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 dreams.
Retirement Planning Dewar
The next step we take in successful retirement planning is to get you protected from market losses. Next to taxes, stock market losses are the next big event 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 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 money.
Millions of hard working Americans were just getting ready to enter into retirement. When the crash triggered and they lost just about half of everything they had spent a lifetime working for, 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 market losses and crashes, and yes, it truly is possible.
With our patented plan you are 100% guaranteed not to lose a single dollar due to market downturns, losses or crashes. I cannot even begin to express to you how much peace of mind this provides to our clients. Imagine how much nicer you could sleep at night knowing that you were 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 stock market goes up, you 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 Dewar
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 plan that we offer is that our program 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 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 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 main stream and not just the rich.
Here is a high level look at how the leveraging option could work. Many of our clients choose the blended index option that has a 0% floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up twenty percent 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 twenty percent, you maintain your zero percent 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 that money into ANYTHING under the sun 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 $100,000 in your Barefoot Retirement account. That 100k earns between zero percent 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 17% on the entire 100k account value.
Additionally you earn whatever return you get on your $80,000 that you put into your real estate investment. 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 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 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 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.
For The Best Financial And Retirement Planning In Okmulgee County Call Us Today At: 405-418-6266