Guthrie Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor Guthrie
Are you searching for a financial advisor to help with your financial planning and retirement planning? If so, you’ve found the right place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First of all, congrats on being wise enough to look for professional help in this most important area 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 fall short of where we should be, it’s often challenging to make up for lost ground. The longer you put this off, the harder it will be to fight your way back and achieve your financial goals. According to a recent Forbes survey, just 52% of Americans ask for the assistance of a financial advisor or financial planner. The survey also discovered that individuals who do look for professional help have better financial gains than people who do not. It’s wise to ask for help from a smart financial advisor.
Lots of people start with basic questions like: (1) How much money 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’s the story on 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 specialize in providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we realize if a solution it too complex to understand, it will be too challenging to implement and watch and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Guthrie
Our first goal in financial planning and helping you succeed financially is to first get a benchmark 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 learn where you are at this time.
With our plan and with keeping things easy, 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 quick and 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.
Lots of our clients use them very often running various “what it” ideas to see how minor tweaks in their financial planning can impact their end results. The first simple retirement calculator we suggest you begin with could not be any simpler 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 getting on your portfolio and the rate of return that you believe you will achieve during your retirement years. It’s that simple. Next you simply click the calculate button.
The results of your numbers pull up instantly. It will clearly show you if you are on track to obtain 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, the calculator will even show you the 4 key areas that you can make changes to to be sure 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 to see if you can reasonably make changes to obtain your investment goals.
It’s really quite fun to do. For most people it’s a real shocker. Finding out where you are right now and being honest about your current situation is half the battle.
Note: We work with many high net worth clients 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 grid. However, quite a few 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 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.
Guthrie 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 believe will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single biggest financial expense 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 so important for us to focus on this major cost 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 most powerful way to protect yourself and save on taxes that’s legally allowed in this fantastic country of ours. It really is that powerful. In a nutshell, this is how our plan works.
You put in post taxed dollars to our plan. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our program requires you to pay the tax on the funds before you invest it. On the surface this may not look 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, without a doubt!
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 under the sun, you can simply take your money out at any time. We will show you exactly how you will be able to take out your funds 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 so powerful. 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 our future tax rates will have no choice but to rise significantly.
By setting up a Barefoot Retirement Plan you can 100% 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 hopes and dreams.
Retirement Planning Guthrie
The next step we take in successful retirement planning is to get you protected from losing money in the stock market. Second to taxes, market losses are the next big event that can end your retirement dreams and keep you working for much longer than you wanted to. Lots of investors lost upwards of 50% of their money in the Dot Com crash of 2000. Then, just as soon 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 retirement accounts.
Millions of hard working Americans were just getting ready to begin retirement. When the crash occurred and they lost just 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 stock market losses and crashes, and yes, it really is possible.
With our powerful plan you are completely 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 provides to our clients. Imagine how much deeper you could sleep at night knowing that you were 100% guaranteed not to lose a dollar in stock market declines. This one feature of our plan can make the difference between you having the retirement of your dreams or not.
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. Our unique plan is smart on steroids.
Wealth Management Guthrie
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 plan that we offer is that it gives you the option, if you choose 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 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 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 person and not just the rich.
Here is a high level look at how the leveraging option could work. Many clients choose our blended index account that has a zero percent floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up 20% 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 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 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 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 $100,000 earns between zero percent to seventeen percent each year. Then you decide to borrow 80k from the account and put it into a profitable 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 zero percent 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 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 speak 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 could 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 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 Logan County Call Us Today At: 405-418-6266