Manitou Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Manitou
Are you searching for a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve come to the right place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First of all, congratulations on being wise enough to seek professional help in this super important area of your life.
As you know, we only get one chance at life and one chance to make this right. Life goes by far too fast. If we attempt to go it alone and come in short of where we need to be, it’s often challenging to make up for lost growth. The longer you put this off, the more challenging it will be to produce better returns and obtain your financial goals. According to a recent Forbes survey, just 52% of Americans look to get the assistance of a financial advisor or financial planner. They also revealed that those who do obtain professional help have better financial results than investors who do not. It’s wise to find help from a good financial advisor.
Lots of 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 will I need to retire? (4) What about alternative investments? (5) 401k vs ROTH IRA, 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 our clients reach your financial and retirement goals. After all, we realize if a solution it too complicated to learn, it will be too complicated to implement and review and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Manitou
Our first goal 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 obtain your financial and retirement goals? Many people have no idea what-so-ever. As we know, before you can get to where you need to go, you first need to determine where you are at this time.
In our alignment with keeping things simple, 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 these all the time running various “what it” calculations to see how minor shifts in their financial planning can impact their overall 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 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 earning on your investments and the rate of return that you estimate you will achieve during your retirement years. That’s all there is. Now you simply click the calculate button.
The results of your numbers 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’re not on goal, the calculator will even show you the four key areas that you can change to insure you reach your goals. Based on your findings you can go back and key in some different combinations of amounts and keep going back and forth and see if you can reasonably make adjustments to reach your investment goals.
It’s really quite fun to do. For most people it’s a real shocker. Finding out where you are now and being honest about your current situation is half the battle.
Note: We work with quite a few high net worth people who love using our plans to grow their portfolios 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 financially 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 last.
Manitou 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 believe will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single largest financial expenditure of their life? Lots of 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 expenditure and reduce your taxes as much as possible. We believe that our best 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’s legally allowed in this fantastic country of ours. It really is that powerful. In a nutshell, this is how our plan works.
You invest post 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 funds 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 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 your funds for any reason at all like emergency, an unexpected expense, an unexpected opportunity or investment, college or anything at all, you can simply take your money out at any time. We will show you exactly how you will be able to get your money at any time you wish with zero 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 wanting 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 the future tax rates will have no choice but to rise sharply.
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 plans.
Retirement Planning Manitou
The next task 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 event that can ruin your retirement dreams and keep you working for much longer than you hoped to. Far too many investors lost upwards of 50% of their accounts 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 their retirement accounts.
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 building up, 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 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 provides to our clients. Imagine how much nicer you could sleep at night knowing that you were completely guaranteed not to lose a dime in market declines. This one feature of our 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, 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. This plan is smart on steroids.
Wealth Management Manitou
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 program that we offer is that our plan gives you the option, if you wish 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 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 huge corporations. Believe me, they certainly 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 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 20% in a given year, you earn 17% on your money, and your gains are always locked in. Or, if the value of the indexes goes down 20%, you maintain your 0% 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 in the world that you wish. You don’t have to get 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 100k earns between zero percent to seventeen percent each year. Then you decide to borrow 80k 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 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 deal. So you are actually earning two 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 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 may 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 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 Tillman County Call Us Today At: 405-418-6266