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

Financial Advisor Fletcher

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 knowledgeable financial advisors. First off, congratulations on being brilliant enough to seek professional help in this critically important area of your life.

As you are aware, we only get one chance in life and one chance to do this right. Life goes by far too fast. If we try and go it alone and fall short of where we need to be, it’s often challenging to make up for lost funds. The longer you delay, the more challenging it will be to come back and achieve 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 pre-retirees who do seek professional help have more profitable financial results than people who do not. It’s really smart to ask for help from a smart financial advisor.

Many people start with basic questions like: (1) How much savings 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) What about alternative investments? (5) Is a 401k better than an IRA? The list of questions goes on and on. Finance and investing can be very complex and mind boggling sometimes.

We focus on 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 grasp, it will be too difficult to use and monitor and thus will not be acted upon in the first place. That’s why we know to keep things simple.

Financial Planning Fletcher

Our first step in financial planning and helping you succeed financially is to first get a starting point of where you are today financially. Are you on track to achieve your financial and retirement goals? Lots of people have no idea what-so-ever. As we know, before you can get to where you need to go, you first need to learn 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 simple and 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 frequently running various “what it” calculations to see how small tweaks in their financial planning can impact their net results. The first simple retirement calculator we suggest you start with could not be any simpler 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 invest on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently getting on your investments and the rate of return that you hope you will achieve during your retirement years. It’s that simple. Next you just click the calculate button.

The results of your inputs pull up instantly. It will show you if you are on track to obtain your retirement goals or not, and if not, it will tell you exactly how far off you are in funds, years and percentages. If you’re not on goal, it will even show you the four critical areas that you can make changes to to make sure you reach your goals. Based on the findings you can go back and type in some different combinations of amounts and keep going back and forth and find out 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 many high net worth investors who love using our plans to grow their funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts private and off the grid. 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.

Fletcher 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 biggest financial expense of their life time? Many people have no idea, yet it is true for most of us. The average American spends more on taxes than they do on any other expense.

That’s why it is so important for us to focus on this major expenditure and reduce your taxes as much as you can. We believe that our main 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 amazing country of ours. It really is that powerful. In a nutshell, this is how our program works.

You invest post taxed dollars to the program. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our plan requires you to pay the tax on the funds before you contribute it. On the surface this may not look as good as your IRA or 401(k) but please trust us. We will clearly show you how our program will out perform these other plans, bar none!

You funds then grow tax differed within your account. If you need the funds for any reason at all like emergency, an unexpected expense, an unexpected opportunity or investment, university 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 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 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 these days, 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 Fletcher

The next action we take in successful retirement planning is to get you protected from losing money in the market. Next 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. Far too many investors lost upwards of 50% of their funds 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 occurred and they lost just about half of everything they had spent a lifetime building up, 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 stock market losses and crashes, and yes, it actually is possible.

With our patented plan you are completely 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 easier you could sleep at night knowing that you were totally 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 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 your previous gains are locked in and protected from losses. This plan is smart on steroids.

Wealth Management Fletcher

We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the powerful benefits of our unique and patented flagship plan that we offer is that our program gives you the option, if you want to use it, to leverage your returns and actually earn two different returns, on the exact same funds, at the same time. Yes, we know the first time people 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 wealth 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 rich.

Here is a high level look at how the leveraging option could work. Many of our clients choose the blended index plan that has a 0% floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up 20% 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 20%, you maintain your zero percent floor and experience 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 in the planet 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 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 0% to seventeen percent each year. Then you decide to borrow 80k 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 seventeen percent 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 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 amazing 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 speak 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 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.