El Reno Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor El Reno
Are you trying to find a financial advisor to help with your financial planning and retirement planning? If so, you’ve found the most perfect place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First off, congratulations on being smart enough to look for professional help in this super important part of your life.
As you know, we only get this one chance in life and one chance to get this right. Life goes by way too fast. If we decide to go it alone and come in short of where we ought to be, it’s often difficult to make up for lost growth. The longer you hold off on this, the more challenging it will be to catch up and obtain your portfolio goals. According to a recent Forbes survey, only 52% of pre-retirees ask for the help of a financial advisor or financial planner. Forbes also revealed that people who do look for professional help have more profitable financial results than investors who do not. It’s wise to seek help from a smart financial advisor.
Many people start with basic questions like: (1) How much money do I need to retire? (2) What’s the real difference between an Individual Retirement Account and an 401k? (3) How much should I save for retirement? (4) What about alternative investments? (5) Is a 401k better than an IRA? 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 investors reach your financial and retirement goals. After all, we realize if a solution it too difficult to grasp, it will be too complicated to implement and watch and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning El Reno
Our first goal 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? 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 right now.
With our plan and 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 simple and easy to use, yet very effective. Our simple retirement calculators are totally free to use and they are online, so you can go online and use them at any time it is convenient with you and your schedule.
Lots of our clients use them very often running various “what it” scenarios to see how little edits 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 type 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 yearly income during your retirement years, the approximate rate of return you are currently getting on your accounts and the rate of return that you think you will achieve during your retirement years. That’s it. You then just click the calculate button.
The results of your inputs pull up right away. It will clearly show you if you are on track to reach 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 goal, it will even show you the four critical areas that you can make changes to to insure you obtain your goals. Based on those findings you can go back and type in some different combinations of amounts and keep going back and forth and discover if you can reasonably make changes to achieve your financial goals.
It’s really very fun to do. For most people it’s a real shocker. Knowing where you are now and being honest about your current situation is half the battle.
Note: We work with quite a few high net worth investors who love using our strategies to grow their funds and protect themselves from soaring tax rates, creditors, soaring fees and keeping their money private and off the radar. However, lots of our clients consider themselves to be mostly average.
If you are not on track to obtain 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 live.
El Reno 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 think will be, future tax rate increases. Did you know that the dollars most Americans spend on taxes is the single largest financial cost of their life time? Most 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 to focus on this major expense and reduce your taxes as much as possible. We believe that our primary financial plan 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 amazing country of ours. It truly is that powerful. In a nutshell, this is how it works.
You invest after taxed dollars to the plan. Yes, unlike your 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 seem as good as your IRA or 401(k) but please trust us. We will clearly demonstrate how our plan will out perform 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 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 exactly 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 such a powerful thing. At the time this is being written, Bernie Sanders is running for President. He is advocating 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 at this time, 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 totally 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 plans.
Retirement Planning El Reno
The next action we take in successful retirement planning is to get you protected from losing money in the stock market. 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 hoped to. Lots of investors lost upwards of 50% of their money 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 mortgage/housing market crash of 2007/2008 and many investors lost another 40% to 50% of everything.
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 work to get our clients 100% protected from stock market losses and crashes, and yes, it truly is possible.
With our one-of-a-kind plan you are completely guaranteed not to lose a single penny 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 completely guaranteed not to lose a dime in 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, you 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 El Reno
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 program that we offer is that it gives you the option, if you want 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 it 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 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 main stream and not just the rich.
Here is a high level look at how the leveraging option could work. Many clients choose the 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 seventeen percent on your funds, 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 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 get to choose to put your money 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 zero percent to 17% each year. Then you decide to borrow $80,000 from the account and put it into a sweet 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 investment. So you are actually 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 powerful 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 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 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.
For The Best Financial And Retirement Planning In Canadian County Call Us Today At: 405-418-6266