Fitzhugh Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Fitzhugh
Are you searching for a financial advisor to assist with your financial planning and retirement planning? If so, you’ve found the perfect place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First of all, congrats on being smart enough to search for professional help in this super important area of your life.
As you already know, we only get one chance at life and one chance to make this right. Life goes by much too fast. If we try and go it alone and come in short of where we should be, it’s often challenging to make up for lost results. The longer you delay, the more challenging it will be to catch up and obtain your financial goals. According to a recent Forbes survey, only 52% of individuals look to get the help of a financial advisor or financial planner. Forbes also found that investors who do seek out professional help have stronger financial gains than investors who do not. It’s really smart to get help from a smart financial advisor.
Most 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 should I save for retirement? (4) Do I need alternative investments? (5) Is a 401k better than an IRA? The list of questions goes on and on. Money and investing can be very complex and mind blowing sometimes.
We specialize in providing simple, proven and very effective financial strategies to help you reach your financial and retirement goals. After all, we realize if a solution it too complicated to grasp, it will be too difficult to implement and watch and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Fitzhugh
Our first step 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 exceed your financial and retirement goals? Scores of people have no idea in the world. As we know, before you can get to where you need to go, you first need to determine where you are at this time.
In our alignment with keeping things easy, we have produced 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 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.
Many of our clients use them very often running various “what it” ideas to see how little changes in their financial planning can impact their total results. The first simple retirement calculator we suggest you begin with could not be any simpler to use. You simply enter in your age, the age you want to retire, the amount you currently have saved for retirement now, how much you contribute on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently realizing on your retirement and the rate of return that you estimate you will achieve during your retirement years. That’s it. Next you simply click the calculate button.
The results of your inputs pull up instantly. It will clearly show you if you are on track to obtain 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, the calculator will even show you the 4 key areas that you can make changes to 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 changes to obtain your retirement goals.
It’s really much 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 situation is half the battle.
Note: We work with many high net worth individuals who love using our strategies to grow their funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts private and off the grid. However, many 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 do.
Fitzhugh 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 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? 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 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 flagship 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 great country of ours. It really is that powerful. In a nutshell, this is how our program works.
You invest after taxed dollars to the plan. Yes, unlike an 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 contribute it. On the surface this may not seem as good as your IRA or 401(k) but please keep reading. We will clearly show you how our plan 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 funds out at any time. We will show you how you will be able to access your funds at any time you wish 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 so powerful. At the time this is being written, Bernie Sanders is running for President. He is suggesting 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 shock 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 the 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 money you pull out. This one benefit alone can make or break most people’s retirement hopes and dreams.
Retirement Planning Fitzhugh
The next action we take in our retirement planning is to get you protected from losing money in the stock market. Second to taxes, stock market losses are the next big thing that can ruin your retirement dreams and keep you working for much longer than you hoped to. Large numbers 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 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 retire. When the crash happened and they lost about half of everything they had spent a lifetime creating, 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 actually is possible.
With our unique plan you are completely 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 deeper you could sleep at night knowing that you were 100% guaranteed not to lose a dollar in 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 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. This plan is smart on steroids.
Wealth Management Fitzhugh
We also assist our clients with wealth management to insure they reach their investment 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 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 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 average person and not just the wealthy.
Here is a high level look at how the leveraging option could work. Many of our clients choose the blended index account that has a 0% floor and a 17% cap. So if the value of the indexes’ tracked goes up 20% in a given year, you earn seventeen percent on your account, and your gains are always locked in. Or, if the value of the indexes goes down 20%, you maintain your 0% floor and have 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 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 $100,000 earns between 0% to seventeen percent each year. Then you decide to borrow 80k 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 100k 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 deal. So you are affectively earning two 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 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 Pontotoc County Call Us Today At: 405-418-6266