Langston Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Langston
Are you looking for a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve found the best place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First off, congratulations on being wise enough to seek professional help in this really important part of your life.
As you are aware, we only get one chance at life and one chance to make this right. Life goes by far too fast. If we try and go it alone and fall short of where we should be, it’s often hard to make up for lost growth. The longer you hold off on this, the harder it will be to produce better returns and reach your portfolio goals. According to a recent Forbes survey, only 52% of Americans ask for the assistance of a financial advisor or financial planner. They also discovered that individuals who do seek out professional help have better financial results than those who do not. It’s wise to ask for help from a knowledgeable financial advisor.
Many people start with basic questions like: (1) How much money do I need to retire? (2) What’s the real difference between a IRA and 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. Money and investing can be very complex and mind blowing sometimes.
We focus on providing simple, proven and very effective financial strategies to help you reach your financial and retirement goals. After all, we have learned if a solution it too complicated to learn, it will be too complicated to implement and monitor and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Langston
Our first step in financial planning and helping you reach your financial goals is to first get a starting point of where you are today financially. Are you on track to reach your financial and retirement goals? Lots of people have no idea what-so-ever. As we understand, 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 simple, 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 quick and easy to use, yet very effective. Our simple retirement calculators are totally 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” concepts to see how small shifts in their financial planning can impact their total results. The first simple retirement calculator we suggest you begin 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 add to 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 wish you will achieve during your retirement years. That’s all there is. Now you just click the calculate button.
The results of your inputs pull up immediately. It will clearly show 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 calculator will even show you the four main areas that you can make changes to to make sure you reach your goals. Based on those findings you can go back and enter in some different combinations of amounts and keep going back and forth and find out if you can reasonably make edits to achieve your financial goals.
It’s really very fun to do. For most people it’s a real eye-opener. 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 clients who love using our strategies to grow their funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the radar. However, most of our clients consider themselves to be financially average.
If you are not on track to achieve your 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.
Langston 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 dollars most Americans spend on taxes is the single largest financial expenditure of their life time? Many 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 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 best 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 plan works.
You contribute after taxed dollars to our 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 stay tuned. We will clearly demonstrate how our plan will significantly 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 sickness, an unexpected expense, an unexpected opportunity or investment, college 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 money 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 advocating 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 these days, 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 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 hopes and dreams.
Retirement Planning Langston
The next action we take in our retirement planning is to get you protected from market losses. Second to taxes, stock market losses are the next big thing that can end 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 most 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 portfolios.
Millions of hard working Americans were just getting ready to begin retirement. When the crash happened and they lost about half of everything they had spent a lifetime building up, it was devastating. That is why the team at Oklahoma City Financial Planning Pros works so hard every day. We want to get our clients 100% protected from 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 tell you how much peace of mind this makes possible to our clients. Imagine how much better you could sleep at night knowing that you were totally guaranteed not to lose a cent in stock market declines. This one feature alone 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, 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. Our unique plan is smart on steroids.
Wealth Management Langston
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 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 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 promise you it 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 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 average investor and not just the rich.
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 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 account, 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 money 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 get to choose to put your funds into anything you want or need to, no problem.
Let’s use an example. Say you have 100k 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 100k and you continue to earn the 0% to 17% on the entire 100k 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 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 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 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 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 Logan County Call Us Today At: 405-418-6266