Marland Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Marland
Are you seeking a financial advisor to assist with your financial planning and retirement planning? If so, you’ve come to the perfect place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First off, congratulations on being brilliant enough to seek professional help in this most important part of your life.
As you already know, we only get this one chance in life and one chance to get this right. Life goes by way too fast. If we decide to go it alone and come in short of where we need to be, it’s often challenging to make up for lost funds. The longer you hold off on this, the more difficult it will be to come back and obtain your portfolio goals. According to a recent Forbes survey, just 52% of pre-retirees look to get the assistance of a financial advisor or financial planner. The survey also revealed that pre-retirees who do seek professional help have more profitable financial results than individuals who do not. It’s really smart to ask for help from a knowledgeable financial advisor.
Most people start with basic questions like: (1) How much savings do I need to retire? (2) How much to save for retirement? (3) How much will I need to retire? (4) What about 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 pride ourselves on providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we have learned if a solution it too complex to grasp, it will be too complicated to put in place and watch and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Marland
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 obtain your financial and retirement goals? Lots of people have no idea at all. As we know for sure, before you can get to where you wish to go, you first need to discover where you are right now.
In our alignment with keeping things easy, we have developed 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 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 them frequently running various “what it” ideas to see how little edits in their financial planning can impact their net results. The first simple retirement calculator we suggest you start with could not be any easier to use. You simply enter in your age, the age you would like to retire, the amount you currently have saved for retirement now, how much you invest on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently getting on your accounts and the rate of return that you wish 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 instantly. It will show you if you are on track to achieve your retirement goals or not, and if not, it will show 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 key areas that you can change to be sure you obtain your goals. Based on those findings you can go back and key in some different combinations of numbers and keep going back and forth and find out if you can reasonably make adjustments to obtain your goals.
It’s really much fun to do. For most people it’s a real shocker. Finding out where you are right now and being honest about your current finances is half the battle.
Note: We work with many high net worth people who love using our plans to grow their funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts private and off the grid. However, most of our clients consider themselves to be pretty 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 last.
Marland 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 dollars most Americans spend on taxes is the single largest financial expenditure of their life? Many people have no idea, 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 to focus on this major expense and reduce your taxes as much as you can. We believe that our best 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 amazing country of ours. It really is that powerful. In a nutshell, this is how it works.
You invest post taxed dollars to The Barefoot Retirement 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 contribute it. On the surface this may not look as good as your IRA or 401(k) but please stay tuned. We will clearly show you how our program will 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 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 access your funds 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 big thing. 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 now, 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 totally protect yourself from needing to pay any taxes on the money you pull out. This one benefit alone can make or break most people’s retirement hopes and dreams.
Retirement Planning Marland
The next action we take in our retirement planning is to get you protected from market losses. Second to taxes, market losses are the next big cause that can destroy your retirement dreams and keep you working for much longer than you needed to. Many investors lost upwards of 50% of their accounts in the Dot Com crash of 2000. Then, just 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 retire. When the crash triggered and they lost almost half of everything they had spent a lifetime working for, 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 patented plan you are 100% guaranteed not to lose a single cent 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 completely guaranteed not to lose a dollar in stock 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, we lock in your gains each year. When the market goes down, you lose nothing and your previous gains are locked in and protected from losses. Our plan is smart on steroids.
Wealth Management Marland
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 it gives you the option, if you want to use it, to leverage your returns and actually earn two different returns, on the exact same funds, 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 mostly been used by wealthy families, politicians and huge 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 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 the blended index account that has a 0% 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 20%, you maintain your 0% 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 ask permission from anyone to do this. You are not limited to a list of investment options. You get to 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 100k earns between zero percent to 17% each year. Then you decide to borrow 80k 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 100k and you continue to earn the zero percent to 17% 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 investment. So you are actually earning 2 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 unique 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 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 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 Noble County Call Us Today At: 405-418-6266