Jones Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Jones
Are you in search of a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve found the most perfect place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First off, congratulations on being smart enough to look for professional help in this very important area of your life.
As you already know, we only get one chance at life and one chance to make this right. Life goes by way too fast. If we attempt to go it alone and come in short of where we should be, it’s often difficult to make up for lost growth. The longer you wait, the more difficult it will be to produce better returns and obtain your portfolio goals. According to a recent Forbes survey, just 52% of pre-retirees seek out the assistance of a financial advisor or financial planner. Forbes also found that pre-retirees who do ask for professional help have better financial returns than investors who do not. It’s good to find help from a good financial advisor.
Most people start with basic questions like: (1) How much do I need to retire? (2) What’s the real difference between an Individual Retirement Account and an 401k? (3) How much should I save for retirement? (4) What alternative investments can I invest in? (5) SEP IRA vs ROTH IRA, which is better? The list of questions goes on and on. Finance and investing can be very complex and mind boggling sometimes.
We pride ourselves on providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we have learned if a solution it too difficult to grasp, it will be too complicated to set up and watch and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Jones
Our first step in financial planning and helping you reach your financial goals 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 what-so-ever. As we know for sure, before you can get to where you wish to go, you first need to find out where you are right now.
In our alignment with keeping things simple, 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 totally 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 these all the time running various “what it” calculations to see how little changes in their financial planning can impact their total results. The first simple retirement calculator we suggest you use could not be any easier to use. You simply plug 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 wish you will achieve during your retirement years. That’s it. You then simply click the calculate button.
The results of your inputs pull up instantly. 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 calculator will even show you the 4 main areas that you can make changes to to insure you obtain your goals. Based on the findings you can go back and enter in some different combinations of amounts and keep going back and forth to see if you can reasonably make edits to reach 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 many high net worth individuals who love using our plans to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts 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 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 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.
Jones 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 believe will be, future tax rate increases. Did you know that the dollars most Americans spend on taxes is the single largest financial cost 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 on any other expenditure
That’s why it is most important for us to focus on this major expense 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 most powerful way to protect yourself and save on taxes that is legally allowed in this great country of ours. It truly is that powerful. In a nutshell, this is how our program works.
You invest after taxed dollars to the program. 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 put them in. On the surface this may not look as good as your IRA or 401(k) but please keep reading. 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 emergency, an unexpected expense, an unexpected opportunity or investment, college 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 access your funds at any time with zero 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 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 blow you away.) 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 our future tax rates will have no choice but to rise significantly.
By setting up a Barefoot Retirement Plan you can completely protect yourself from needing to pay any taxes on the funds you pull out. This one benefit alone can make or break most people’s retirement hopes and dreams.
Retirement Planning Jones
The next action 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 thing that can crush your retirement dreams and keep you working for much longer than you planned to. Large numbers of investors lost upwards of 50% of their funds 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 retirement accounts.
Millions of hard working Americans were just getting ready to retire. When the crash occurred and they lost almost 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 actually is possible.
With our one-of-a-kind plan you are totally 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 deeper you could sleep at night knowing that you were guaranteed not to lose a dollar 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 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. Our plan is smart on steroids.
Wealth Management Jones
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the strong 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 two different returns, on the 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 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 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 wealthy.
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 0% floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up 20% in a given year, you earn seventeen percent on your money, and your gains are always locked in. Or, if the value of the indexes goes down 20%, you maintain your 0% 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 those funds into ANYTHING under the sun that you wish. You don’t have to seek permission from anyone to do this. You are not limited to a list of investment options. You can 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 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 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 80k that you put into your real estate deal. So you are affectively earning two 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 talk 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 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 Oklahoma County Call Us Today At: 405-418-6266