Marlow Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Marlow
Are you seeking a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve found the most perfect 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 most important part of your life.
As you know, we only get one chance in 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 challenging to make up for lost funds. The longer you delay, the harder it will be to catch up and reach your financial goals. According to a recent Forbes survey, just 52% of people seek out the help of a financial advisor or financial planner. Forbes also discovered that investors who do seek professional help have better financial gains than pre-retirees who do not. It’s good to get help from a experienced 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 an IRA vs 401k? (3) How much will I need to retire? (4) What alternative investments can I invest in? (5) 401k vs ROTH IRA, which is better? The list of questions goes on and on. Finance 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 understand, it will be too complicated to set up and monitor and thus will not be acted upon in the first place. That’s why we like to keep things simple.
Financial Planning Marlow
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 achieve your financial and retirement goals? Scores of people have no idea what-so-ever. As we understand, before you can get to where you need to go, you first need to determine where you are at this time.
With our plan and 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 really easy to use, yet very effective. Our simple retirement calculators are totally 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 very often 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 simpler to use. You simply enter 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 yearly income during your retirement years, the approximate rate of return you are currently realizing on your portfolio and the rate of return that you estimate 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 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 goal, the retirement calculator will even show you the 4 key areas that you can make changes to to be sure 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 to see if you can reasonably make adjustments to achieve your financial 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 many high net worth individuals who love using our plans to grow their net worth and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the Government radar. However, lots 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 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 last.
Marlow 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 believe will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single biggest financial cost of their life time? Most 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 so important to focus on this major cost and reduce your taxes as much as possible. We believe that our top financial program that we happen to call The Barefoot Retirement Plan is the single most effective 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 contribute 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 program requires you to pay the tax on the funds before you contribute 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 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 funds out at any time. We will show you how you will be able to take out 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 so powerful. 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 blow you away.) 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 sharply.
By setting up a Barefoot Retirement Plan you can 100% 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 plans.
Retirement Planning Marlow
The next step 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 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 next market crash of 2007/2008 and many investors lost another 40% to 50% of their money.
Millions of hard working Americans were just getting ready to retire. When the crash occurred and they lost about 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 market losses and crashes, and yes, it really is possible.
With our one-of-a-kind plan you are totally guaranteed not to lose a single dollar due to market downturns, losses or crashes. I cannot even begin to express to you how much peace of mind this makes possible to our clients. Imagine how much nicer you could sleep at night knowing that you were totally guaranteed not to lose a dollar in stock market declines. This one feature by itself can make the difference between you having the retirement of your dreams or not.
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 your previous gains are locked in and protected from losses. This plan is smart on steroids.
Wealth Management Marlow
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 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 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 guarantee you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have mainly been used by wealthy families, politicians and giant 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 wealthy.
Here is a high level look at how the leveraging option could work. Many clients choose our blended index option 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 seventeen percent on your funds, and your gains are always locked in. Or, if the value of the indexes goes down twenty percent, 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 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 money into anything you want or need to, no problem.
Let’s use an example. Say you have 100k 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 sweet 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 investment. 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 amazing 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 might 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 Stephens County Call Us Today At: 405-418-6266