Dustin Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Dustin
Are you searching for a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve found the perfect place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First of all, congrats on being brilliant enough to seek out professional help in this really important area of your life.
As you are aware, we only get one chance at life and one chance to get this right. Life goes by far too fast. If we decide to go it alone and come in short of where we should be, it’s often hard to make up for lost growth. The longer you wait, the more challenging it will be to come back and obtain your portfolio goals. According to a recent Forbes survey, just 52% of people look to get the assistance of a financial advisor or financial planner. They also revealed that individuals who do look for professional help have more profitable financial returns than pre-retirees who do not. It’s good to get help from a smart financial advisor.
Most 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 an IRA vs 401k? (3) How much should I save for retirement? (4) What about alternative investments? (5) SEP IRA vs ROTH IRA, which is better? 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 our clients reach your financial and retirement goals. After all, we know if a solution it too complex to grasp, it will be too challenging to set up and monitor and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Dustin
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 achieve your financial and retirement goals? Scores of people have no idea at all. As we understand, before you can get to where you want to go, you first need to find out where you are at this time.
In our alignment with keeping things simple, we have developed 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 access 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” ideas to see how little changes 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 key in your age, the age you desire 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 portfolio and the rate of return that you think you will achieve during your retirement years. It’s that easy. Then you simply click the calculate button.
The results of your numbers pull up instantly. It will clearly 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 track, the retirement calculator will even show you the 4 main areas that you can change to help you reach your goals. Based on those findings you can go back and plug in some different combinations of numbers and keep going back and forth and discover if you can reasonably make edits to achieve your goals.
It’s really very fun to do. For most people it’s a real eye-opener. Finding out where you are right now and being honest about your current finances is half the battle.
Note: We work with many high net worth clients who love using our strategies to grow their portfolios and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the radar. However, many 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.
Dustin Financial Planners
As financial planners, 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 amount most Americans spend on taxes is the single biggest financial cost of their life? Most people have no idea, 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 so important to focus on this major expenditure and reduce your taxes as much as you can. We believe that our primary financial plan 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 amazing country of ours. It truly is that powerful. In a nutshell, this is how it works.
You contribute post 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 program requires you to pay the tax on the funds 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, 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 at all, 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 with no 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 wanting 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 our future tax rates will have no choice but to rise significantly.
By setting up a Barefoot Retirement Plan you can 100% protect yourself from having to pay any taxes on the funds you pull out. This one benefit alone can make or break most people’s retirement plan.
Retirement Planning Dustin
The next task we take in successful retirement planning is to get you protected from market losses. Second 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. Large numbers of 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 portfolios.
Millions of hard working Americans were just getting ready to enter into retirement. When the crash occurred and they lost almost half of everything they had spent a lifetime creating, it was devastating. That is why our 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 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 gives to our clients. Imagine how much deeper you could sleep at night knowing that you were completely guaranteed not to lose a penny in stock market declines. This one feature alone 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, 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 Dustin
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 the plan gives you the option, if you want 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 you hear this, it sounds too good to be true and may even question if it is legal. We assure 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 huge corporations. Believe me, they do 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 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 experience 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 those funds into ANYTHING in the world 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 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 $80,000 from the account and put it into a great 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 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 actually earning 2 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 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.
For The Best Financial And Retirement Planning In Hughes County Call Us Today At: 405-418-6266