Healdton Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Healdton
Are you looking for a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve found the perfect place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First of all, congratulations on being smart enough to seek out professional help in this really 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 far too fast. If we try and go it alone and fall short of where we need to be, it’s often hard to make up for lost results. The longer you delay, the more challenging it will be to come back and achieve your financial goals. According to a recent Forbes survey, only 52% of individuals ask for the assistance of a financial advisor or financial planner. Forbes also discovered that those who do secure professional help have more profitable financial performance than investors who do not. It’s wise to find help from a good financial advisor.
Most people start with basic questions like: (1) How much money do I need to retire? (2) What’s the real difference between a IRA and 401k? (3) How much should I save for retirement? (4) What’s the story on alternative investments? (5) What can I do to insure I never lose money? The list of questions goes on and on. Money and investing can be very complex and mind boggling 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 realize if a solution it too difficult to learn, it will be too difficult to set up and watch and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Healdton
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? Scores of people have no idea in the world. As we know for sure, before you can get to where you wish to go, you first need to discover where you are at this time.
In our alignment with keeping things easy, 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 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” concepts to see how little tweaks in their financial planning can impact their overall results. The first simple retirement calculator we suggest you start with could not be any simpler to use. You simply enter in your age, the age you want to retire, the amount you currently have saved for retirement now, how much you add to on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently realizing on your investments and the rate of return that you wish you will achieve during your retirement years. That’s it. Now you just click the calculate button.
The results of your inputs pull up right away. It will tell you if you are on track to achieve 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’re not on track, the retirement calculator will even show you the four main areas that you can change to make sure you obtain your goals. Based on your findings you can go back and enter in some different combinations of numbers and keep going back and forth and discover if you can reasonably make adjustments to achieve your retirement goals.
It’s really very fun to do. For most people it’s a real shocker. Knowing where you are right now and being honest about your current finances is half the battle.
Note: We work with quite a few high net worth individuals who love using our plans to grow their portfolios and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the Government radar. However, many of our clients consider themselves to be mostly average.
If you are not on track to achieve 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.
Healdton Financial Planners
As financial planners, usually 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 dollars most Americans spend on taxes is the single largest financial expenditure of their life time? Many people have no idea, yet it is true for most of us. The average American spends more on taxes than they do on any other expense.
That’s why it is most important for us to focus on this major cost and reduce your taxes as much as possible. 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 is legally allowed in this fantastic country of ours. It really is that powerful. In a nutshell, this is how it works.
You invest post taxed dollars to our plan. 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 invest it. On the surface this may not seem as good as your IRA or 401(k) but please keep an open mind. 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 your funds for any reason at all like sickness, 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 funds at any time you wish with no 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 wanting a 92% top Federal marginal tax rate. Yikes! Plus last week the US debt just surpassed the 19 Trillion mark. (If you look at our National Debt Clock, it will shock 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 significantly.
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 plans.
Retirement Planning Healdton
The next step we take in successful retirement planning is to get you protected from losing money in the stock market. Second to taxes, stock 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 funds in the Dot Com crash of 2000. Then, just 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 portfolios.
Millions of hard working Americans were just getting ready to enter into retirement. When the crash triggered and they lost almost half of everything they had spent a lifetime creating, 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 truly is possible.
With our patented plan you are completely guaranteed not to lose a single cent 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 guaranteed not to lose a dollar in 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 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 plan is smart on steroids.
Wealth Management Healdton
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 our program gives you the option, if you want to use it, to leverage your returns and actually earn 2 different returns, on the exact 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 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 giant 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 average person and not just the wealthy.
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 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 20%, 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 those funds into ANYTHING in the world 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 $100,000 in your Barefoot Retirement account. That 100k earns between 0% 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 0% to 17% on the entire 100k account value.
Additionally you earn whatever return you get on your 80k that you put into your real estate investment. 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 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 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 Carter County Call Us Today At: 405-418-6266