Goldsby Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor Goldsby
Are you looking for a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve arrived at the perfect place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First of all, congratulations on being smart enough to seek out professional help in this critically important part of your life.
As you know, we only get this one chance in life and one chance to do this right. Life goes by much too fast. If we decide to go it alone and come in short of where we ought to be, it’s often hard to make up for lost growth. The longer you delay, the more difficult it will be to produce better returns and achieve your portfolio goals. According to a recent Forbes survey, only 52% of people seek out the assistance of a financial advisor or financial planner. The survey also revealed that investors who do use professional help have more profitable financial returns than people who do not. It’s wise to seek help from a good 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 Individual Retirement Account and an 401k? (3) How much should I save for retirement? (4) What about alternative investments? (5) 401k vs ROTH IRA, which is better? The list of questions goes on and on. Finance and investing can be very complex and mind blowing sometimes.
We are known for providing simple, proven and very effective financial strategies to help clients reach your financial and retirement goals. After all, we have learned if a solution it too complex to learn, it will be too complicated to implement and monitor and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Goldsby
Our first goal 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 achieve your financial and retirement goals? Many people have no idea in the world. As we know, before you can get to where you want to go, you first need to learn where you are right now.
In our alignment with keeping things easy, 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 really easy to use, yet very effective. Our simple retirement calculators are completely 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.
Many of our clients use these very often running various “what it” scenarios to see how little changes in their financial planning can impact their end 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 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 earning on your investments and the rate of return that you believe you will achieve during your retirement years. It’s that simple. Now you simply click the calculate button.
The results of your numbers 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 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 key areas that you can make changes to to insure you reach 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 edits to reach your investment goals.
It’s really very fun to do. For most people it’s a real eye-opener. Finding out 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 people who love using our plans to grow their accounts 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 financially average.
If you are not on track to obtain your 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 last.
Goldsby 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 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 expenditure
That’s why it is most important for us to focus on this major expense and reduce your taxes as much as possible. We believe that our best 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 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 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 money 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 program 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, college savings or anything at all, you can simply take your money out at any time. We will show you how you will be able to get your money 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 so powerful. At the time this is being written, Bernie Sanders is running for President. He is proposing 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 now, most experts believe that the future tax rates will have no choice but to rise sharply.
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 Goldsby
The next step we take in our retirement planning is to get you protected from market losses. Second to taxes, stock market losses are the next big issue that can ruin your retirement dreams and keep you working for much longer than you wanted 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 mortgage/housing 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 want to get our clients 100% protected from market losses and crashes, and yes, it truly is possible.
With our powerful plan you are 100% guaranteed not to lose a single cent due to market downturns, losses or crashes. I cannot even begin to express to you how much peace of mind this brings to our clients. Imagine how much easier you could sleep at night knowing that you were guaranteed not to lose a cent in stock market declines. This one feature of The Barefoot Retirement 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, you 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 Goldsby
We also assist our clients with wealth management to insure they reach their investing 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 choose 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 you hear this, it sounds too good to be true and may even question if it is legal. We guarantee 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 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 wealthy.
Here is a high level look at how the leveraging option could work. Many of our clients choose our blended index plan 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 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 $100,000 in your Barefoot Retirement account. That 100k earns between zero percent to seventeen percent 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 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 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 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 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 McClain County Call Us Today At: 405-418-6266