Kremlin Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Kremlin
Are you searching for a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve come to 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 professional help in this really important part of your life.
As you are aware, we only get this one chance at life and one chance to do this right. Life goes by way too fast. If we decide to go it alone and come in short of where we ought to be, it’s often challenging to make up for lost funds. The longer you wait, the more difficult it will be to produce better returns and achieve your retirement goals. According to a recent Forbes survey, only 52% of individuals seek out the help of a financial advisor or financial planner. Forbes also revealed that people who do secure professional help have more successful financial gains than people who do not. It’s really smart to find help from a experienced financial advisor.
Lots of 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) Do I need alternative investments? (5) ROTH IRA vs 401(k), which is better? The list of questions goes on and on. Finances 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 complicated to learn, it will be too complicated to use and watch and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Kremlin
Our first step in financial planning and helping you succeed financially is to first get a starting point of where you are today financially. Are you on track to achieve 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 find out where you are right now.
With our plan and with keeping things easy, we have created 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 completely 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 total results. The first simple retirement calculator we suggest you start with could not be any simpler to use. You simply key in your age, the age you wish 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 realizing on your investments and the rate of return that you think 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 immediately. 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 off you are in funds, years and percentages. If you are not on track, the retirement calculator will even show you the 4 critical areas that you can make changes to to help you obtain 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 see if you can reasonably make changes to reach your goals.
It’s really quite fun to do. For most people it’s a real shocker. Discovering where you are right now and being honest about your current finances is half the battle.
Note: We work with a lot of high net worth investors who love using our plans to grow their portfolios and protect themselves from soaring tax rates, creditors, soaring fees and keeping their funds private and off the Government grid. However, many of our clients consider themselves to be mostly average.
If you are not on track to obtain 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 do.
Kremlin 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 amount most Americans spend on taxes is the single biggest financial expense of their life time? Most people have no idea, yet it is true for most of us. The average American spends more on taxes than they do on their mortgage payments, car payments and college for their kids, etc.
That’s why it is most important to focus on this major expenditure and reduce your taxes as much as you can. We believe that our primary financial program 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 it works.
You put in after taxed dollars to our plan. Yes, unlike an 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 put them in. On the surface this may not seem as good as your IRA or 401(k) but please keep reading. We will clearly demonstrate how our plan will out perform these other plans, bar none!
You funds then grow tax differed within your account. If you need the funds for any reason at all like emergency, an unexpected expense, an unexpected opportunity or investment, university savings or anything at all, you can simply take your funds out at any time. We will show you exactly how you will be able to access your funds 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 powerful thing. At the time this is being written, Bernie Sanders is running for President. He is wanting 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 the future tax rates will have no option but to rise significantly.
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 plans.
Retirement Planning Kremlin
The next task we take in successful retirement planning is to get you protected from market losses. 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. Lots of investors lost upwards of 50% of their money 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 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 begin retirement. When the crash triggered 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 stock market losses and crashes, and yes, it actually is possible.
With our unique plan you are 100% guaranteed not to lose a single cent 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 nicer you could sleep at night knowing that you were totally guaranteed not to lose a cent in market declines. This one feature alone can make the difference between you having the retirement of your dreams or not.
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. Our unique plan is smart on steroids.
Wealth Management Kremlin
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the amazing benefits of our unique and patented flagship plan that we offer is that the plan 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 most 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 primarily been used by wealthy families, politicians and mega corporations. Believe me, they know the best ways to protect their wealth 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 clients choose the blended index option 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 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 suffer 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 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 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 $100,000 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 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 could 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 Garfield County Call Us Today At: 405-418-6266