Hammon Financial Advisor – Retirement & Financial Planning Pros 405-418-6266

Financial Advisor Hammon

Are you searching for a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve come to the right place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First of all, congrats on being brilliant enough to seek out professional help in this critically important part of your life.

As you already know, we only get one chance at life and one chance to do this right. Life goes by much too fast. If we decide to go it alone and fall short of where we should be, it’s often hard to make up for lost results. The longer you hold off on this, the more challenging it will be to come back and obtain your financial goals. According to a recent Forbes survey, just 52% of investors seek out the assistance of a financial advisor or financial planner. Forbes also revealed that pre-retirees who do seek out professional help have better financial performance than investors who do not. It’s really smart 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 be able to retire? (2) How much to save for retirement? (3) How much do I need to save for retirement? (4) What about 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 know if a solution it too complex to learn, it will be too challenging to put in place and review and thus will not be acted upon in the first place. That’s why we keep things simple.

Financial Planning Hammon

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 achieve your financial and retirement goals? Scores of people have no idea what-so-ever. As we know, before you can get to where you wish to go, you first need to find out where you are at this time.

In our alignment 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 really easy to use, yet very effective. Our simple retirement calculators are completely 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” calculations to see how little edits in their financial planning can impact their net results. The first simple retirement calculator we suggest you begin with could not be any simpler to use. You simply plug in your age, the age you wish to retire, the amount you currently have saved for retirement now, how much you invest on an annual basis, your desired yearly 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 simple. Then you simply click the calculate button.

The results of your numbers pull up immediately. It will tell you if you are on track to reach your retirement goals or not, and if not, it will tell you exactly how far away you are in funds, years and percentages. If you are not on track, the calculator will even show you the four main areas that you can change to make sure you reach your goals. Based on the findings you can go back and plug in some different combinations of amounts and keep going back and forth and see if you can reasonably make edits to achieve your goals.

It’s really quite fun to do. For most people it’s a real eye-opener. Finding out where you are right 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 strategies to grow their net worth and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the Government radar. However, most of our clients consider themselves to be pretty average.

If you are not on track to reach 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.

Hammon 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 biggest financial expense of their life time? 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 their mortgage payments, car payments and college for their kids, etc.

That’s why it is most important 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 most effective way to protect yourself and save on taxes that is legally allowed in this great country of ours. It really is that powerful. In a nutshell, this is how our plan works.

You contribute after taxed dollars to the 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 money before you invest it. 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 plan will beat the pants off of 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 sickness, an unexpected expense, an unexpected opportunity or investment, college savings or anything at all, you can simply take your funds out at any time. We will show you exactly 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 such a powerful thing. 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 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 totally 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 Hammon

The next task we take in successful retirement planning is to get you protected from market losses. Second to taxes, market losses are the next big issue that can ruin your retirement dreams and keep you working for much longer than you planned to. Far too many 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 next 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 work to get our clients 100% protected from stock market losses and crashes, and yes, it really is possible.

With our patented plan you are completely guaranteed not to lose a single dollar due to market downturns, losses or crashes. I cannot even begin to express to you how much peace of mind this gives to our clients. Imagine how much nicer you could sleep at night knowing that you were 100% 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 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 all of your previous gains are locked in and protected from losses. Our unique plan is smart on steroids.

Wealth Management Hammon

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 choose to use it, to leverage your returns and actually earn two different returns, on the exact same money, 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 promise 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 funds 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 rich.

Here is a high level look at how the leveraging option could work. Many clients choose the blended index plan 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 funds, 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 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 ask 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 $100,000 earns between zero percent to 17% each year. Then you decide to borrow $80,000 from the account and put it into a great 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 17% 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 affectively earning two 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 program 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 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 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.