Gotebo Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Gotebo
Are you searching for a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve arrived at the right place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First off, congrats on being brilliant enough to seek professional help in this critically important area of your life.
As you know, we only get this one chance in life and one chance to make this right. Life goes by way too fast. If we decide to go it alone and come in short of where we ought to be, it’s often challenging to make up for lost results. The longer you put this off, the more challenging it will be to make up lost ground and reach your financial goals. According to a recent Forbes survey, just 52% of pre-retirees seek out the assistance of a financial advisor or financial planner. The survey also revealed that investors who do look for professional help have more profitable financial results than people who do not. It’s really smart to ask for help from a good financial advisor.
Most people start with basic questions like: (1) How much do I need to retire? (2) What’s the real difference between an Individual Retirement Account and an 401k? (3) How much will I need to retire? (4) What about alternative investments? (5) ROTH IRA vs 401(k), which is better? The list of questions goes on and on. Money and investing can be very complex and mind boggling 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 difficult to learn, it will be too challenging to implement and review and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Gotebo
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? Scores of 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.
With our plan and with keeping things simple, 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 completely 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 these all the time running various “what it” scenarios to see how minor changes in their financial planning can impact their total results. The first simple retirement calculator we suggest you start with could not be any easier to use. You simply plug 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 annual income during your retirement years, the approximate rate of return you are currently getting on your portfolio and the rate of return that you estimate you will achieve during your retirement years. That’s all there is. Next you simply click the calculate button.
The results of your inputs pull up right away. It will show you if you are on track to achieve 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 are not on goal, the retirement calculator will even show you the 4 key areas that you can change to help you reach your goals. Based on those findings you can go back and key in some different combinations of numbers and keep going back and forth and discover if you can reasonably make edits to obtain your investment goals.
It’s really much fun to do. For most people it’s a real eye-opener. Knowing where you are 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 plans to grow their accounts and protect themselves from soaring tax rates, creditors, soaring fees and keeping their funds private and off the Government radar. However, lots of our clients consider themselves to be mostly 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 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 last.
Gotebo 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 amount most Americans spend on taxes is the single biggest financial cost of their life time? Lots of 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 most important for us to focus on this major expenditure and reduce your taxes as much as you can. We believe that our flagship 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’s legally allowed in this fantastic country of ours. It truly is that powerful. In a nutshell, this is how our plan works.
You contribute after taxed dollars to the program. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you put in 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 appear 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 the funds for any reason at all like an illness, an unexpected expense, an unexpected opportunity or investment, college 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 funds at any time you wish with no 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 advocating 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 amaze 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 totally protect yourself from having to pay any taxes on the funds you pull out. This one benefit alone can make or break most people’s retirement hopes and dreams.
Retirement Planning Gotebo
The next task we take in our retirement planning is to get you protected from losing money in the market. Next to taxes, market losses are the next big thing that can crush your retirement dreams and keep you working for much longer than you wanted to. Many investors lost upwards of 50% of their money 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 their portfolios.
Millions of hard working Americans were just getting ready to retire. When the crash occurred and they lost about half of everything they had spent a lifetime building up, it was devastating. That is why our 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 patented plan you are completely guaranteed not to lose a single cent due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this gives to our clients. Imagine how much nicer you could sleep at night knowing that you were totally guaranteed not to lose a penny in market declines. This one feature of the plan can make the difference between you having the retirement of your dreams or being wiped out.
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. Our plan is smart on steroids.
Wealth Management Gotebo
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 want to use it, to leverage your returns and actually earn two 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 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 mega corporations. Believe me, they know the best ways to protect their funds from taxes and losses. That’s why they use these plans so widely. Now these plans are more available to the average investor and not just the rich.
Here is a high level look at how the leveraging option could work. Many clients choose the blended index option that has a 0% floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up twenty percent in a given year, you earn seventeen percent on your funds, and your gains are always locked in. Or, if the value of the indexes goes down 20%, you maintain your 0% 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 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 get to 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 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 seventeen percent 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 investment. So you are actually 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 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 might be a good fit for you and if so, we can run some numbers and show you exactly what a Barefoot Retirement Plan would 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 Kiowa County Call Us Today At: 405-418-6266