Lindsay Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor Lindsay
Are you searching for a financial advisor to assist with your financial planning and retirement planning? If so, you’ve come to the most perfect place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First of all, congratulations on being smart enough to look for professional help in this super important part of your life.
As you are aware, we only get one chance in life and one chance to make this right. Life goes by much too fast. If we decide to go it alone and come in short of where we should be, it’s often challenging to make up for lost growth. The longer you hold off on this, the more challenging it will be to produce better returns and obtain your financial goals. According to a recent Forbes survey, only 52% of individuals ask for the help of a financial advisor or financial planner. Forbes also revealed that individuals who do look for professional help have better financial gains than individuals who do not. It’s good to get help from a smart 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 IRA vs 401k? (3) How much do I need to save for retirement? (4) What alternative investments can I invest in? (5) 401k vs ROTH IRA, which is better? The list of questions goes on and on. Finances and investing can be very complex and mind blowing sometimes.
We focus on providing simple, proven and very effective financial strategies to help clients reach your financial and retirement goals. After all, we know if a solution it too complex to understand, 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 Lindsay
Our first step 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 exceed your financial and retirement goals? Many people have no idea at all. As we know, before you can get to where you need to go, you first need to discover where you are at this time.
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 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 them all the time running various “what it” concepts to see how minor edits 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 type 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 annual income during your retirement years, the approximate rate of return you are currently realizing on your retirement and the rate of return that you think you will achieve during your retirement years. It’s that simple. Now you simply click the calculate button.
The results of your inputs pull up immediately. It will clearly show you if you are on track to obtain 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 are not on goal, the calculator will even show you the 4 key areas that you can make changes to to insure you obtain your goals. Based on the findings you can go back and plug in some different combinations of amounts and keep going back and forth and see if you can reasonably make changes to reach your goals.
It’s really very fun to do. For most people it’s a real shocker. Knowing 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 clients who love using our strategies to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the Government grid. However, many of our clients consider themselves to be mostly average.
If you are not on track to achieve 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.
Lindsay Financial Planners
As financial planners, usually 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 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 for us to focus on this major expenditure and reduce your taxes as much as possible. We believe that our top financial plan that we happen to call The Barefoot Retirement Plan is the single best way to protect yourself and save on taxes that’s legally allowed in this great country of ours. It truly is that powerful. In a nutshell, this is how it works.
You invest after taxed dollars to the program. Yes, unlike your 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 money before you contribute it. On the surface this may not look as good as your IRA or 401(k) but please keep an open mind. We will clearly show you how our plan will blow away 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 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, 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. Wow! Plus last week the US debt just surpassed the 19 Trillion mark. (If you look at our National Debt Clock, it will amaze 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 completely 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 Lindsay
The next action we take in successful 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 end your retirement dreams and keep you working for much longer than you needed to. Far too many investors lost upwards of 50% of their accounts in the Dot Com crash of 2000. Then, just 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 retire. When the crash occurred and they lost almost half of everything they had spent a lifetime creating, 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 market losses and crashes, and yes, it really is possible.
With our one-of-a-kind plan you are completely 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 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 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 Lindsay
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 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 promise you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have mostly been used by wealthy families, politicians and giant corporations. Believe me, they 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 investor and not just the rich.
Here is a high level look at how the leveraging option could work. Many 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 money, 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 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 in the world 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 money 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 unique 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 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 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 Garvin County Call Us Today At: 405-418-6266