Gracemont Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Gracemont
Are you trying to find a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve found the best place. We are Oklahoma City Financial Planning Pros and we are knowledgeable financial advisors. First off, congrats on being wise enough to seek professional help in this very important area of your life.
As you are aware, we only get this one chance in life and one chance to do 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 growth. The longer you wait, the more challenging it will be to make up lost ground and reach your retirement goals. According to a recent Forbes survey, just 52% of individuals ask for the help of a financial advisor or financial planner. Forbes also found that pre-retirees who do seek professional help have more profitable financial returns than pre-retirees who do not. It’s smart to obtain help from a good 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 an IRA vs 401k? (3) How much will I need to retire? (4) What’s the story on alternative investments? (5) Is a 401k better than an IRA? The list of questions goes on and on. Money and investing can be very complex and mind blowing sometimes.
We focus on providing simple, proven and very effective financial strategies to help you reach your financial and retirement goals. After all, we realize if a solution it too complex to understand, it will be too complicated to use and monitor and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Gracemont
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 exceed your financial and retirement goals? Scores of people have no idea what-so-ever. As we know for sure, before you can get to where you need to go, you first need to learn where you are right now.
With our plan and 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 user friendly to use, yet very effective. Our simple retirement calculators are 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” concepts to see how little edits in their financial planning can impact their total results. The first simple retirement calculator we suggest you begin with could not be any easier to use. You simply key in your age, the age you would like 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 getting on your retirement and the rate of return that you wish you will achieve during your retirement years. It’s that simple. Then you just click the calculate button.
The results of your inputs pull up immediately. It will tell you if you are on track to reach 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’re not on goal, the calculator will even show you the 4 critical areas that you can change to make sure you obtain your goals. Based on those findings you can go back and key in some different combinations of amounts and keep going back and forth and discover if you can reasonably make edits to achieve your financial goals.
It’s really very fun to do. For most people it’s a real shocker. Discovering where you are right now and being honest about your current situation is half the battle.
Note: We work with quite a few 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 funds private and off the 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 last.
Gracemont 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 think will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single largest financial expenditure of their life? Many 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 single expenditure.
That’s why it is so important to focus on this major cost and reduce your taxes as much as you can. We believe that our best 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 fantastic country of ours. It truly is that powerful. In a nutshell, this is how our program works.
You contribute post taxed dollars to The Barefoot Retirement Plan. 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 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 program will blow away these other plans, without a doubt!
You funds then grow tax differed within your account. If you need your funds for any reason at all like emergency, an unexpected expense, an unexpected opportunity or investment, college or anything under the sun, you can simply take your money out at any time. We will show you how you will be able to take out 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 advocating 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 at this time, 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 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 plans.
Retirement Planning Gracemont
The next task 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 event that can destroy your retirement dreams and keep you working for much longer than you wanted to. Many investors lost upwards of 50% of their accounts in the Dot Com crash of 2000. Then, just as soon 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 retirement accounts.
Millions of hard working Americans were just getting ready to begin retirement. When the crash occurred and they lost about half of everything they had spent a lifetime working for, 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 unique 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 makes possible to our clients. Imagine how much deeper you could sleep at night knowing that you were totally guaranteed not to lose a dime in stock 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. This plan is smart on steroids.
Wealth Management Gracemont
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 it gives you the option, if you want to use it, to leverage your returns and actually earn 2 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 promise you it 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 certainly 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 investor and not just the rich.
Here is a high level look at how the leveraging option could work. Many of our clients choose our blended index option 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 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 those funds into ANYTHING under the sun that you wish. You don’t have to ask 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 0% to 17% 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 100k account value.
Additionally you earn whatever return you get on your $80,000 that you put into your real estate deal. So you are actually earning 2 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 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 may 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 hesitate. 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 Caddo County Call Us Today At: 405-418-6266