Geary Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Geary
Are you looking for a financial advisor to help with your financial planning and retirement planning? If so, you’ve come to the best place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First of all, congratulations on being brilliant enough to search for professional help in this very important area of your life.
As you know, we only get one chance at life and one chance to get this right. Life goes by much too fast. If we attempt to go it alone and come in short of where we need to be, it’s often challenging to make up for lost funds. 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 individuals ask for the help of a financial advisor or financial planner. Forbes also revealed that people who do use professional help have better financial results than people who do not. It’s smart to obtain help from a knowledgeable financial advisor.
Lots of people start with basic questions like: (1) How much savings do I need to retire? (2) How much money do you need to retire? (3) How much will I need to retire? (4) What alternative investments can I invest in? (5) What can I do to insure I never lose money? The list of questions goes on and on. Finance and investing can be very complex and mind blowing sometimes.
We specialize in providing simple, proven and very effective financial strategies to help clients reach your financial and retirement goals. After all, we realize if a solution it too difficult to grasp, it will be too complicated to set up and monitor and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Geary
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 achieve your financial and retirement goals? Many people have no idea what-so-ever. As we know for sure, before you can get to where you want to go, you first need to find out where you are at this time.
With our plan and with keeping things simple, 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 quick 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 little edits 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 want 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 realizing on your investments and the rate of return that you think you will achieve during your retirement years. It’s that easy. You then simply click the calculate button.
The results of your inputs pull up instantly. It will tell you if you are on track to achieve 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 track, the calculator will even show you the four main areas that you can make changes to to make sure you obtain your goals. Based on the findings you can go back and key in some different combinations of numbers and keep going back and forth and see if you can reasonably make adjustments to achieve your financial goals.
It’s really much fun to do. For most people it’s a real shocker. Knowing where you are now and being honest about your current standings is half the battle.
Note: We work with many 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 accounts private and off the Government radar. However, most of our clients consider themselves to be pretty average.
If you are not on track to obtain 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 live.
Geary Financial Planners
As financial planners, often our next step is to help protect you from spending more than you need to 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 largest financial expense of their life? Many people have no idea, 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 most important for us to focus on this major cost 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 effective way to protect yourself and save on taxes that is legally allowed in this great country of ours. It truly is that powerful. In a nutshell, this is how our program works.
You put in after taxed dollars to the plan. 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 seem as good as your IRA or 401(k) but please keep reading. We will clearly show you how our program will out perform 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, 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 get your money at any time you wish with no 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 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 blow you away.) 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 completely 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 plan.
Retirement Planning Geary
The next step we take in our 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 end your retirement dreams and keep you working for much longer than you wanted to. Far too many investors lost upwards of 50% of their funds 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 next 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 occurred and they lost just 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 truly is possible.
With our unique 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 provides to our clients. Imagine how much better you could sleep at night knowing that you were completely guaranteed not to lose a cent in market declines. This one feature of the 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 unique plan is smart on steroids.
Wealth Management Geary
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 program gives you the option, if you wish to use it, to leverage your returns and actually earn 2 different returns, on the 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 primarily been used by wealthy families, politicians and mega 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 average person 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 17% cap. So if the value of the indexes’ tracked goes up twenty percent 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 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 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 100k earns between 0% to 17% 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 $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 $80,000 that you put into your real estate deal. So you are affectively earning two 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 patented 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 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 put this off. 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 Blaine County Call Us Today At: 405-418-6266