Garber Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Garber
Are you trying to find 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 knowledgeable financial advisors. First off, congratulations on being smart enough to look for professional help in this really important part of your life.
As you already know, we only get one chance at life and one chance to get this right. Life goes by far too fast. If we attempt to go it alone and fall short of where we should be, it’s often challenging to make up for lost results. The longer you put this off, the more difficult it will be to fight your way back and reach your financial goals. According to a recent Forbes survey, just 52% of pre-retirees seek out the help of a financial advisor or financial planner. The survey also discovered that investors who do seek out professional help have better financial gains than people who do not. It’s good to ask for help from a experienced financial advisor.
Lots of people start with basic questions like: (1) How much savings do I need to retire? (2) What’s the real difference between a IRA and 401k? (3) How much will I need to retire? (4) What alternative investments can I invest in? (5) Do I need life insurance? The list of questions goes on and on. Money and investing can be very complex and mind boggling sometimes.
We pride ourselves on providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we know if a solution it too difficult to understand, it will be too difficult to put in place and watch and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Garber
Our first step in financial planning and helping you reach your financial goals is to first get a benchmark of where you are today financially. Are you on track to exceed your financial and retirement goals? Many people have no idea at all. As we know, before you can get to where you want to go, you first need to discover where you are at this time.
With our plan and with keeping things easy, 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 simple and 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 these all the time running various “what it” scenarios to see how minor edits 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 plug 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 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. That’s it. Next you just click the calculate button.
The results of your numbers pull up immediately. It will show you if you are on track to obtain 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, the retirement calculator will even show you the 4 key 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 numbers and keep going back and forth and discover if you can reasonably make edits to obtain your retirement goals.
It’s really quite fun to do. For most people it’s a real shocker. Discovering where you are right now and being honest about your current finances is half the battle.
Note: We work with a lot of high net worth people who love using our strategies to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the Government grid. 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 do.
Garber 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 amount most Americans spend on taxes is the single largest financial expense 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 expenditure
That’s why it is most important for us to focus on this major expenditure and reduce your taxes as much as you can. We believe that our primary financial program that we happen to call The Barefoot Retirement Plan is the single most powerful 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 plan works.
You put in after taxed dollars to the program. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you contribute pre-taxed dollars, our plan requires you to pay the tax on the funds before you put them in. On the surface this may not seem as good as your IRA or 401(k) but please stay tuned. We will clearly demonstrate how our plan will beat the pants off of these other plans, without a doubt!
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 under the sun, you can simply take your money out at any time. We will show you exactly how you will be able to take out 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 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 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 option but to rise significantly.
By setting up a Barefoot Retirement Plan you can totally 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 Garber
The next step we take in successful retirement planning is to get you protected from losing money in the stock 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 planned to. Large numbers of 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 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 triggered and they lost almost 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 market losses and crashes, and yes, it truly is possible.
With our unique plan you are totally guaranteed not to lose a single penny 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 totally guaranteed not to lose a penny in stock market declines. This one feature of our 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 your previous gains are locked in and protected from losses. Our plan is smart on steroids.
Wealth Management Garber
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the amazing benefits of our unique and patented flagship plan that we offer is that our 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 people hear this, it sounds too good to be true and may even question if it is legal. We guarantee you this is squeaky clean and as legal as legal gets.
Until recently plans like ours have primarily been used by wealthy families, politicians and mega 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 wealthy.
Here is a high level look at how the leveraging option could work. Many of our clients choose the blended index option that has a zero percent 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 20%, you maintain your zero percent floor and suffer 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 world that you wish. You don’t have to seek 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 $100,000 in your Barefoot Retirement account. That $100,000 earns between zero percent 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 $100,000 and you continue to earn the 0% 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 affectively 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 patented 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 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 Garfield County Call Us Today At: 405-418-6266