Johnson Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Johnson
Are you trying to find a financial advisor to assist with your financial planning and retirement planning? If so, you’ve found the best place. We are Oklahoma City Financial Planning Pros and we are knowledgeable financial advisors. First of all, congratulations on being wise enough to search for professional help in this really important part of your life.
As you know, we only get one chance at life and one chance to get this right. Life goes by far too fast. If we try and go it alone and come in short of where we need to be, it’s often challenging to make up for lost results. The longer you hold off on this, the more difficult it will be to produce better returns and reach your retirement goals. According to a recent Forbes survey, just 52% of people seek out the assistance of a financial advisor or financial planner. They also found that pre-retirees who do secure professional help have better financial results than those who do not. It’s wise to obtain help from a knowledgeable financial advisor.
Most 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) What’s the story on alternative investments? (5) How can I save on taxes? 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 people reach your financial and retirement goals. After all, we realize if a solution it too difficult to grasp, it will be too challenging to set up and watch and thus will not be acted upon in the first place. That’s why we like to keep things simple.
Financial Planning Johnson
Our first step 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 reach your financial and retirement goals? Most people have no idea at all. As we know, before you can get to where you need to go, you first need to discover 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 super easy to use, yet very effective. Our simple retirement calculators are totally free to use and they are online, so you can go online and use them at any time it is convenient with you and your schedule.
Many of our clients use them very often running various “what it” scenarios to see how small tweaks in their financial planning can impact their total results. The first simple retirement calculator we suggest you start with could not be any simpler 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 yearly income during your retirement years, the approximate rate of return you are currently realizing on your retirement and the rate of return that you believe you will achieve during your retirement years. It’s that easy. You then just click the calculate button.
The results of your numbers pull up immediately. It will show 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 are not on track, it will even show you the 4 main areas that you can change to help you reach your goals. Based on those findings you can go back and key in some different combinations of amounts and keep going back and forth and see if you can reasonably make changes to achieve your goals.
It’s really much fun to do. For most people it’s a real shocker. Finding out where you are right now and being honest about your current finances is half the battle.
Note: We work with many high net worth investors who love using our strategies to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the Government grid. However, lots of our clients consider themselves to be mostly average.
If you are not on track to achieve 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 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 last.
Johnson Financial Planners
As financial planners, most often our next step is to help protect you from spending more than you should 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 cost 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 most important to focus on this major cost and reduce your taxes as much as you can. We believe that our best financial plan 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 amazing country of ours. It truly is that powerful. In a nutshell, this is how our plan works.
You put in after taxed dollars to the plan. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you put in pre-taxed dollars, our program requires you to pay the tax on the funds before you contribute it. On the surface this may not look as good as your IRA or 401(k) but please keep an open mind. We will clearly demonstrate how our plan 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, university savings or anything under the sun, you can simply take your funds out at any time. We will show you 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, 100% 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 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 at this time, 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 100% 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 plan.
Retirement Planning Johnson
The next task we take in our 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 hoped to. Lots of investors lost upwards of 50% of their accounts 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 mortgage/housing 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 occurred and they lost about half of everything they had spent a lifetime working for, 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 market losses and crashes, and yes, it actually is possible.
With our powerful plan you are completely guaranteed not to lose a single penny 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 easier you could sleep at night knowing that you were completely guaranteed not to lose a dollar in market declines. This one feature by itself 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 all of your previous gains are locked in and protected from losses. This plan is smart on steroids.
Wealth Management Johnson
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 want 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 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 mostly been used by wealthy families, politicians and giant corporations. Believe me, they 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 wealthy.
Here is a high level look at how the leveraging option could work. Many of our clients choose our blended index option that has a 0% floor and a 17% cap. So if the value of the indexes’ tracked goes up 20% in a given year, you earn 17% on your account, 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 funds 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 $100,000 in your Barefoot Retirement account. That 100k earns between 0% to 17% each year. Then you decide to borrow $80,000 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 $100,000 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 affectively 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 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 Pottawatomie County Call Us Today At: 405-418-6266