Lexington Financial Planning & Retirement Planning – Financial Advisor 405-418-6266

Financial Advisor Lexington

Are you seeking 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 experienced financial advisors. First of all, congrats on being smart enough to search for professional help in this very important part of your life.

As you are aware, we only get one chance in life and one chance to do this right. Life goes by far too fast. If we decide to go it alone and fall short of where we ought to be, it’s often hard to make up for lost results. The longer you put this off, the more challenging it will be to come back and achieve your retirement goals. According to a recent Forbes survey, just 52% of investors look to get the help of a financial advisor or financial planner. The survey also discovered that pre-retirees who do look for professional help have more profitable financial performance than those who do not. It’s good to find help from a smart 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 do I need to save for retirement? (4) What about alternative investments? (5) Do I need life insurance? The list of questions goes on and on. Finances and investing can be very complex and mind blowing sometimes.

We pride ourselves on 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 difficult to grasp, it will be too challenging to use and monitor and thus will not be acted upon in the first place. That’s why we like to keep things simple.

Financial Planning Lexington

Our first goal in financial planning and helping you reach your financial goals is to first get a baseline of where you are today financially. Are you on track to reach your financial and retirement goals? Lots of people have no idea in the world. As we understand, before you can get to where you need to go, you first need to discover where you are right now.

In our alignment 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 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.

Lots of our clients use these all the time running various “what it” scenarios to see how little shifts 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 desire to retire, the amount you currently have saved for retirement now, how much you add to on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently earning on your portfolio and the rate of return that you wish you will achieve during your retirement years. It’s that easy. Now you simply click the calculate button.

The results of your inputs pull up right away. 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 retirement calculator will even show you the 4 critical areas that you can make changes to to be sure you obtain your goals. Based on the findings you can go back and type in some different combinations of amounts and keep going back and forth and see if you can reasonably make adjustments to reach your retirement goals.

It’s really very fun to do. For most people it’s a real eye-opener. Knowing where you are right now and being honest about your current situation is half the battle.

Note: We work with a lot of high net worth individuals who love using our plans to grow their funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the grid. However, most of our clients consider themselves to be financially average.

If you are not on track to reach 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 goal 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.

Lexington Financial Planners

As financial planners, 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 biggest 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 single expenditure.

That’s why it is most important for us to focus on this major expenditure and reduce your taxes as much as possible. We believe that our best financial plan 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 truly is that powerful. In a nutshell, this is how our program works.

You put in post taxed dollars to our plan. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you contribute pre-taxed dollars, our plan requires you to pay the tax on the funds before you put them in. On the surface this may not appear as good as your IRA or 401(k) but please keep reading. We will clearly demonstrate how our plan will blow away 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 or anything under the sun, you can simply take your money 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 such a powerful thing. At the time this is being written, Bernie Sanders is running for President. He is proposing 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 these days, most experts believe that our future tax rates will have no choice but to rise sharply.

By setting up a Barefoot Retirement Plan you can totally 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 dreams.

Retirement Planning Lexington

The next action we take in our retirement planning is to get you protected from losing money in the stock market. Next to taxes, stock market losses are the next big cause that can crush your retirement dreams and keep you working for much longer than you hoped 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 enter into retirement. When the crash triggered and they lost almost 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 truly is possible.

With our powerful plan you are completely 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 better you could sleep at night knowing that you were guaranteed not to lose a dime 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 not.

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 plan is smart on steroids.

Wealth Management Lexington

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 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 exact same money, at the same time. Yes, we know the first time you hear this, it sounds too good to be true and may even question if it is legal. We guarantee 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 huge 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 wealthy.

Here is a high level look at how the leveraging option could work. Many clients choose the blended index plan 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 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 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 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 great 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 zero percent 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 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 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 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 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.