Granite Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Granite
Are you in search of a financial advisor to help with your financial planning and retirement planning? If so, you’ve arrived at the perfect place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First off, congrats on being brilliant enough to look for professional help in this critically important part of your life.
As you already know, we only get this one chance at life and one chance to get this right. Life goes by way too fast. If we attempt to go it alone and come in short of where we need to be, it’s often difficult to make up for lost funds. The longer you delay, the harder it will be to come back and obtain your retirement goals. According to a recent Forbes survey, only 52% of people look to get the assistance of a financial advisor or financial planner. Forbes also revealed that pre-retirees who do secure professional help have better financial returns than investors who do not. It’s really smart to obtain help from a knowledgeable financial advisor.
Lots of people start with basic questions like: (1) How much money do I need to retire? (2) How much to save for retirement? (3) How much should I save for retirement? (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 boggling sometimes.
We are known for 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 grasp, it will be too difficult to implement and monitor and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Granite
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 reach your financial and retirement goals? Scores of people have no idea at all. As we know, before you can get to where you need to go, you first need to learn where you are at this time.
In our alignment 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 user friendly to use, yet very effective. Our simple retirement calculators are free to use and they are online, so you can log on and use them at any time it is convenient with you and your schedule.
Lots of our clients use them very often running various “what it” ideas to see how small edits in their financial planning can impact their overall 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 would like to retire, the amount you currently have saved for retirement now, how much you invest on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently getting on your accounts and the rate of return that you think you will achieve during your retirement years. It’s that easy. Next you simply click the calculate button.
The results of your numbers pull up instantly. It will show you if you are on track to achieve your retirement goals or not, and if not, it will show you exactly how far away you are in funds, years and percentages. If you’re not on goal, it will even show you the 4 critical areas that you can make changes to to insure you reach your goals. Based on your findings you can go back and plug in some different combinations of amounts and keep going back and forth and find out if you can reasonably make edits to achieve your goals.
It’s really much fun to do. For most people it’s a real shocker. Discovering where you are now and being honest about your current standings is half the battle.
Note: We work with many high net worth individuals who love using our plans to grow their funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the Government radar. However, lots of our clients consider themselves to be financially average.
If you are not on track to achieve 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 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 live.
Granite Financial Planners
As financial planners, most 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 dollars most Americans spend on taxes is the single biggest financial cost of their life time? Most 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 most important for us to focus on this major expenditure and reduce your taxes as much as you can. We believe that our top financial program that we happen to call The Barefoot Retirement Plan is the single best way to protect yourself and save on taxes that’s legally allowed in this great country of ours. It really is that powerful. In a nutshell, this is how it works.
You invest post taxed dollars to the program. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you contribute pre-taxed dollars, our program 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 trust us. 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 your funds for any reason at all like an illness, an unexpected expense, an unexpected opportunity or investment, university savings or anything at all, you can simply take your money out at any time. We will show you exactly 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, 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 these days, 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 dreams.
Retirement Planning Granite
The next task we take in our retirement planning is to get you protected from losing money in the stock market. Next to taxes, stock market losses are the next big event that can ruin your retirement dreams and keep you working for much longer than you hoped 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 everything.
Millions of hard working Americans were just getting ready to begin retirement. When the crash occurred and they lost almost 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 want to get our clients 100% protected from stock market losses and crashes, and yes, it truly is possible.
With our one-of-a-kind plan you are 100% 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 nicer you could sleep at night knowing that you were guaranteed not to lose a penny in market declines. This one feature of The Barefoot Retirement 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 market goes up, we lock in your gains each year. When the market goes down, you lose nothing and all of your previous gains are locked in and protected from losses. Our plan is smart on steroids.
Wealth Management Granite
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the amazing 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 exact same funds, at the same time. Yes, we know the first time most people 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 mainly been used by wealthy families, politicians and huge 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 investor and not just the rich.
Here is a high level look at how the leveraging option could work. Many of our 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 17% on your money, and your gains are always locked in. Or, if the value of the indexes goes down twenty percent, you maintain your 0% floor and have 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 100k in your Barefoot Retirement account. That 100k earns between 0% 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 100k 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 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 unique 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 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 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 Greer County Call Us Today At: 405-418-6266