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

Financial Advisor Dover

Are you searching 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 excellent financial advisors. First off, congrats on being smart enough to seek out professional help in this super important area 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 decide to go it alone and come in short of where we should be, it’s often difficult to make up for lost results. The longer you wait, the more challenging it will be to fight your way back and achieve your financial goals. According to a recent Forbes survey, only 52% of individuals look to get the assistance of a financial advisor or financial planner. Forbes also found that pre-retirees who do seek out professional help have more profitable financial gains than people who do not. It’s wise to seek help from a good financial advisor.

Lots of people start with basic questions like: (1) How much money do I need to retire? (2) What’s the real difference between an IRA vs 401k? (3) How much do I need to save for retirement? (4) Do I need alternative investments? (5) Do I need life insurance? 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 have learned if a solution it too complicated to understand, it will be too difficult to use and review and thus will not be acted upon in the first place. That’s why we always keep things simple.

Financial Planning Dover

Our first step 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 exceed your financial and retirement goals? Most people have no idea at all. As we understand, before you can get to where you need to go, you first need to find out where you are right now.

In our alignment with keeping things simple, 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 super easy to use, yet very effective. Our simple retirement calculators are totally 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 them all the time running various “what it” calculations to see how minor changes in their financial planning can impact their overall results. The first simple retirement calculator we suggest you use could not be any easier to use. You simply type in your age, the age you wish to retire, the amount you currently have saved for retirement now, how much you invest on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently earning on your portfolio and the rate of return that you wish you will achieve during your retirement years. It’s that easy. Now you simply click the calculate button.

The results of your inputs pull up instantly. 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 are not on goal, it will even show you the 4 critical areas that you can make changes to to insure you reach your goals. Based on the 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 adjustments to obtain your retirement goals.

It’s really quite fun to do. For most people it’s a real eye-opener. Discovering where you are right now and being honest about your current standings is half the battle.

Note: We work with a lot of high net worth individuals who love using our plans to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts 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 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 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 last.

Dover 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 think will be, future tax rate increases. Did you know that the dollars most Americans spend on taxes is the single largest financial expense of their life? Lots of 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 so important for us to focus on this major expenditure and reduce your taxes as much as possible. We believe that our top financial plan 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 really is that powerful. In a nutshell, this is how our program works.

You contribute after taxed dollars to the program. 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 put them in. On the surface this may not seem as good as your IRA or 401(k) but please trust us. We will clearly show you how our plan will out perform 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 at all, you can simply take your money out at any time. We will show you exactly how you will be able to take out your money at any time 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 big 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 at this time, 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 100% 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 Dover

The next action we take in our retirement planning is to get you protected from losing money in the stock market. Second to taxes, market losses are the next big event that can ruin your retirement dreams and keep you working for much longer than you planned to. Many investors lost upwards of 50% of their accounts in the Dot Com crash of 2000. Then, just as soon 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 almost 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 strive to get our clients 100% protected from market losses and crashes, and yes, it really is possible.

With our powerful plan you are totally 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 gives to our clients. Imagine how much easier you could sleep at night knowing that you were guaranteed not to lose a dime in market declines. This one feature of The Barefoot Retirement Plan can make the difference between you having the retirement of your dreams or being devastated.

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

Wealth Management Dover

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 plan gives you the option, if you choose 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 this is squeaky clean and as legal as legal gets.

Until recently plans like ours have mostly been used by wealthy families, politicians and giant corporations. Believe me, they 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 wealthy.

Here is a high level look at how the leveraging option could work. Many clients choose our blended index account that has a 0% floor and a 17% cap. So if the value of the indexes’ tracked goes up twenty percent 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 twenty percent, you maintain your 0% 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 get 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 0% 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 seventeen percent 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 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 powerful 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 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 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.