Hobart Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Hobart
Are you seeking a financial advisor to assist with your financial planning and retirement planning? If so, you’ve come to the most perfect place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First of all, congrats on being smart enough to search for professional help in this really important part of your life.
As you already know, we only get one chance in life and one chance to do this right. Life goes by far too fast. If we attempt to 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 wait, the more difficult it will be to make up lost ground and achieve your retirement goals. According to a recent Forbes survey, only 52% of people seek out the help of a financial advisor or financial planner. They also discovered that individuals who do seek professional help have more profitable financial performance than pre-retirees who do not. It’s wise to find help from a smart financial advisor.
Many people start with basic questions like: (1) How much savings do I need to retire? (2) How much money do you need to retire? (3) How much should I save for retirement? (4) Do I need alternative investments? (5) ROTH IRA vs 401(k), which is better? The list of questions goes on and on. Money and investing can be very complex and mind blowing sometimes.
We are known for providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we know if a solution it too complicated to grasp, it will be too difficult to put in place and monitor and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Hobart
Our first goal in financial planning and helping you succeed financially is to first get a baseline of where you are today financially. Are you on track to obtain your financial and retirement goals? Lots of people have no idea in the world. As we know for sure, before you can get to where you need to go, you first need to learn where you are at this time.
With our plan and 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 quick and easy to use, yet very effective. Our simple retirement calculators are 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 all the time running various “what it” calculations to see how little tweaks in their financial planning can impact their net results. The first simple retirement calculator we suggest you start with could not be any easier to use. You simply type in your age, the age you desire 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 earning on your accounts and the rate of return that you wish you will achieve during your retirement years. That’s all there is. You then simply click the calculate button.
The results of your inputs pull up instantly. It will show you if you are on track to reach 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 4 main areas that you can make changes to to make sure you obtain your goals. Based on the findings you can go back and type in some different combinations of numbers and keep going back and forth and find out if you can reasonably make edits to obtain your investment goals.
It’s really much fun to do. For most people it’s a real shocker. Finding out where you are now and being honest about your current standings is half the battle.
Note: We work with a lot of high net worth investors who love using our strategies to grow their portfolios and protect themselves from soaring tax rates, creditors, soaring fees and keeping their money private and off the Government grid. However, most 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.
Hobart 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 amount most Americans spend on taxes is the single biggest financial cost of their life? Lots of 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 single expenditure.
That’s why it is most important to focus on this major expense and reduce your taxes as much as possible. We believe that our flagship financial plan 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 it works.
You invest after taxed dollars to the plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our plan requires you to pay the tax on the money before you contribute it. On the surface this may not seem as good as your IRA or 401(k) but please stay tuned. We will clearly demonstrate how our program 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 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 how you will be able to take out your money 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 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 the future tax rates will have no option but to rise sharply.
By setting up a Barefoot Retirement Plan you can 100% protect yourself from having 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 Hobart
The next action we take in our retirement planning is to get you protected from market losses. Next to taxes, market losses are the next big issue that can ruin your retirement dreams and keep you working for much longer than you wanted to. Large numbers of investors lost upwards of 50% of their accounts 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 everything.
Millions of hard working Americans were just getting ready to enter into retirement. When the crash triggered and they lost just about 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 strive to get our clients 100% protected from stock market losses and crashes, and yes, it really is possible.
With our patented plan you are totally 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 better you could sleep at night knowing that you were totally guaranteed not to lose a penny in stock market declines. This one feature of our 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 stock market goes up, you 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. This plan is smart on steroids.
Wealth Management Hobart
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 plan gives you the option, if you wish to use it, to leverage your returns and actually earn 2 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 assure you this 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 do 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 of our clients choose the blended index account that has a zero percent floor and a 17% cap. So if the value of the indexes’ tracked goes up twenty percent in a given year, you earn seventeen percent on your account, and your gains are always locked in. Or, if the value of the indexes goes down 20%, you maintain your zero percent floor and experience 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 those funds 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 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 0% to 17% 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 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 amazing 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 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 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.
For The Best Financial And Retirement Planning In Kiowa County Call Us Today At: 405-418-6266