Kiefer Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Kiefer
Are you searching 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 knowledgeable financial advisors. First of all, congrats on being wise enough to seek out professional help in this very 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 try and go it alone and come in short of where we should be, it’s often difficult to make up for lost results. The longer you wait, the harder it will be to produce better returns and obtain your financial goals. According to a recent Forbes survey, only 52% of individuals seek out the help of a financial advisor or financial planner. The survey also revealed that investors who do use professional help have more successful financial returns than individuals who do not. It’s really smart to seek help from a experienced 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 an IRA vs 401k? (3) How much should I save for retirement? (4) Do I need alternative investments? (5) What can I do to insure I never lose money? The list of questions goes on and on. Finance and investing can be very complex and mind blowing sometimes.
We specialize in providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we know if a solution it too complicated to learn, it will be too complicated to implement and watch and thus will not be acted upon in the first place. That’s why we like to keep things simple.
Financial Planning Kiefer
Our first step 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 reach your financial and retirement goals? Most people have no idea at all. As we know, before you can get to where you want to go, you first need to determine where you are at this time.
With our plan and 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 simple and easy to use, yet very effective. Our simple retirement calculators are totally free to use and they are online, so you can log on and use them at any time it is convenient with you and your schedule.
Many of our clients use these very often running various “what it” scenarios 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 plug in your age, the age you want to retire, the amount you currently have saved for retirement now, how much you put in 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 estimate you will achieve during your retirement years. It’s that simple. You then just click the calculate button.
The results of your numbers pull up right away. It will show you if you are on track to obtain 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 are not on goal, the retirement calculator will even show you the 4 key areas that you can make changes to to help you reach your goals. Based on your findings you can go back and key in some different combinations of numbers and keep going back and forth and discover if you can reasonably make adjustments to obtain your investment goals.
It’s really quite fun to do. For most people it’s a real eye-opener. Knowing where you are 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 net worth and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts private and off the radar. However, most of our clients consider themselves to be mostly 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.
Kiefer 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 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? 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 expenditure
That’s why it is so important to focus on this major cost and reduce your taxes as much as you can. We believe that our main financial program that we happen to call The Barefoot Retirement Plan is the single most successful way to protect yourself and save on taxes that’s legally allowed in this amazing country of ours. It really is that powerful. In a nutshell, this is how our plan works.
You invest post taxed dollars to our plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you contribute 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 keep an open mind. We will clearly show you how our program will blow away 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 access your funds at any time you wish 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 proposing 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 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 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 having 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 Kiefer
The next action we take in our retirement planning is to get you protected from losing money in the market. Second to taxes, stock market losses are the next big issue that can crush your retirement dreams and keep you working for much longer than you needed to. Large numbers of investors lost upwards of 50% of their accounts in the Dot Com crash of 2000. Then, just as soon as most 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 their portfolios.
Millions of hard working Americans were just getting ready to begin retirement. When the crash happened and they lost just 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 work to get our clients 100% protected from market losses and crashes, and yes, it actually is possible.
With our unique plan you are totally guaranteed not to lose a single dollar due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this brings to our clients. Imagine how much better you could sleep at night knowing that you were guaranteed not to lose a penny in stock 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 your previous gains are locked in and protected from losses. Our unique plan is smart on steroids.
Wealth Management Kiefer
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 it gives you the option, if you choose to use it, to leverage your returns and actually earn two different returns, on the 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 this is squeaky clean and as legal as legal gets.
Until recently plans like ours have mainly been used by wealthy families, politicians and huge corporations. Believe me, they do 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 the blended index plan 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 seventeen percent 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 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 under the sun 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 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 0% to seventeen percent 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 investment. 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 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 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.
For The Best Financial And Retirement Planning In Creek County Call Us Today At: 405-418-6266