Dibble Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor Dibble
Are you seeking 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 top notch financial advisors. First of all, congratulations on being brilliant enough to seek out professional help in this super important part of your life.
As you are aware, we only get one chance at life and one chance to do this right. Life goes by much too fast. If we decide to go it alone and fall short of where we need to be, it’s often hard to make up for lost ground. The longer you hold off on this, the more challenging it will be to come back and obtain your financial goals. According to a recent Forbes survey, just 52% of people ask for the help of a financial advisor or financial planner. They also revealed that individuals who do obtain professional help have better financial returns than investors who do not. It’s really smart to get help from a smart financial advisor.
Lots of people start with basic questions like: (1) How much do I need to retire? (2) What’s the real difference between a IRA and 401k? (3) How much do I need to save for retirement? (4) Do I need alternative investments? (5) What can I do to insure I never lose money? The list of questions goes on and on. Finances and investing can be very complex and mind boggling sometimes.
We are known for 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 complicated to learn, it will be too difficult to implement and review and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Dibble
Our first goal in financial planning and helping you succeed financially is to first get a baseline of where you are today financially. Are you on track to obtain your financial and retirement goals? Many people have no idea at all. As we know for sure, before you can get to where you need to go, you first need to find out 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 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 very often running various “what it” ideas to see how minor shifts in their financial planning can impact their net results. The first simple retirement calculator we suggest you use could not be any easier to use. You simply plug in your age, the age you desire to retire, the amount you currently have saved for retirement now, how much you contribute on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently realizing on your portfolio and the rate of return that you estimate you will achieve during your retirement years. It’s that easy. Next you just click the calculate button.
The results of your inputs pull up immediately. It will show 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’re not on goal, the calculator will even show you the 4 key areas that you can change to be sure you obtain 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 see if you can reasonably make changes to obtain your investment goals.
It’s really very fun to do. For most people it’s a real shocker. Discovering where you are right now and being honest about your current finances is half the battle.
Note: We work with quite a few high net worth investors who love using our plans to grow their portfolios and protect themselves from soaring tax rates, creditors, soaring fees and keeping their accounts private and off the Government grid. However, most 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 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 live.
Dibble 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 believe will be, future tax rate increases. Did you know that the dollars most Americans spend on taxes is the single biggest financial cost of their life? 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 for us to focus on this major cost 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 fantastic country of ours. It really is that powerful. In a nutshell, this is how our plan works.
You invest post taxed dollars to the plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you contribute pre-taxed dollars, our plan requires you to pay the tax on the funds before you contribute 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 program will 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 an illness, an unexpected expense, an unexpected opportunity or investment, college or anything at all, you can simply take your money out at any time. We will show you how you will be able to get 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 so powerful. At the time this is being written, Bernie Sanders is running for President. He is proposing 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 blow you away.) 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 sharply.
By setting up a Barefoot Retirement Plan you can completely protect yourself from needing 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 Dibble
The next action we take in our retirement planning is to get you protected from losing money in the stock market. Next to taxes, market losses are the next big issue that can destroy your retirement dreams and keep you working for much longer than you hoped to. Lots of investors lost upwards of 50% of their accounts in the Dot Com crash of 2000. Then, just as soon 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 begin retirement. 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 want to get our clients 100% protected from stock market losses and crashes, and yes, it really is possible.
With our powerful 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 provides to our clients. Imagine how much better you could sleep at night knowing that you were completely guaranteed not to lose a dollar in stock market declines. This one feature of the 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 your previous gains are locked in and protected from losses. Our unique plan is smart on steroids.
Wealth Management Dibble
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the powerful benefits of our unique and patented flagship plan that we offer is that the plan gives you the option, if you wish to use it, to leverage your returns and actually earn 2 different returns, on the same funds, at the same time. Yes, we know the first time you hear this, it sounds too good to be true and may even question if it is legal. We promise you this is squeaky clean and as legal as legal gets.
Until recently plans like ours have mainly been used by wealthy families, politicians and mega corporations. Believe me, they certainly know the best ways to protect their money 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 clients choose our blended index account that has a zero percent 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 20%, you maintain your 0% floor and suffer 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 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 funds 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 $80,000 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 $100,000 account value.
Additionally you earn whatever return you get on your 80k that you put into your real estate investment. So you are affectively 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 could 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 McClain County Call Us Today At: 405-418-6266