Grandfield Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Grandfield
Are you trying to find a financial advisor to assist with your financial planning and retirement planning? If so, you’ve arrived at the best place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First off, congratulations on being brilliant enough to seek professional help in this super important part of your life.
As you know, we only get one chance at life and one chance to do this right. Life goes by much too fast. If we try and go it alone and come in short of where we ought to be, it’s often hard to make up for lost ground. The longer you hold off on this, the more difficult it will be to come back and reach your retirement goals. According to a recent Forbes survey, just 52% of individuals look to get the assistance of a financial advisor or financial planner. Forbes also found that people who do look for professional help have more successful financial performance than investors who do not. It’s wise to get help from a smart financial advisor.
Many 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) Do I need alternative investments? (5) 401k vs ROTH IRA, which is better? The list of questions goes on and on. Finances and investing can be very complex and mind blowing sometimes.
We are known for providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we have learned if a solution it too complicated to grasp, it will be too complicated to implement and review and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Grandfield
Our first goal in financial planning and helping you reach your financial goals is to first get a baseline of where you are today financially. Are you on track to exceed your financial and retirement goals? Most people have no idea in the world. As we understand, before you can get to where you wish to go, you first need to determine where you are right now.
In our alignment 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 super easy to use, yet very effective. Our simple retirement calculators are totally 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 all the time running various “what it” calculations to see how small tweaks 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 enter 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 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 think you will achieve during your retirement years. That’s it. Now you simply click the calculate button.
The results of your inputs pull up instantly. It will clearly show 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’re not on track, it will even show you the four main areas that you can make changes to to insure you obtain 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 see if you can reasonably make changes to achieve your retirement goals.
It’s really much fun to do. For most people it’s a real eye-opener. Discovering where you are now and being honest about your current standings is half the battle.
Note: We work with quite a few high net worth investors who love using our plans to grow their portfolios and protect themselves from soaring tax rates, creditors, soaring fees and keeping their funds private and off the radar. However, lots of our clients consider themselves to be financially average.
If you are not on track to reach your investment 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.
Grandfield 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 think will be, future tax rate increases. Did you know that the dollars most Americans spend on taxes is the single largest financial expenditure 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 expenditure
That’s why it is so important for us to focus on this major expenditure and reduce your taxes as much as possible. We believe that our flagship 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’s legally allowed in this fantastic country of ours. It truly is that powerful. In a nutshell, this is how our plan works.
You invest after taxed dollars to the program. Yes, unlike an 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 look as good as your IRA or 401(k) but please trust us. We will clearly show you 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 emergency, an unexpected expense, an unexpected opportunity or investment, university savings or anything under the sun, you can simply take your funds out at any time. We will show you how you will be able to access your money at any time 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 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 amaze 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 our future tax rates will have no option but to rise sharply.
By setting up a Barefoot Retirement Plan you can completely protect yourself from needing 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 Grandfield
The next step we take in successful 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 destroy your retirement dreams and keep you working for much longer than you needed to. Large numbers of investors lost upwards of 50% of their accounts 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 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 begin retirement. When the crash triggered and they lost just about half of everything they had spent a lifetime working for, 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 really is possible.
With our one-of-a-kind plan you are totally guaranteed not to lose a single penny 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 nicer you could sleep at night knowing that you were 100% guaranteed not to lose a cent 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 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 Grandfield
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 program gives you the option, if you wish to use it, to leverage your returns and actually earn two different returns, on the same funds, 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 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 certainly 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 main stream 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 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 17% on your account, and your gains are always locked in. Or, if the value of the indexes goes down twenty percent, you maintain your zero percent 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 under the sun 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 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 $100,000 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 zero percent 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 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 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 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 Tillman County Call Us Today At: 405-418-6266