Marlow Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Marlow
Are you looking for a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve come to the best place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First of all, congrats on being smart enough to look for professional help in this really important area of your life.
As you already know, we only get one chance at life and one chance to make this right. Life goes by far too fast. If we decide to go it alone and fall short of where we should be, it’s often hard to make up for lost funds. The longer you put this off, the more difficult it will be to fight your way back and reach your retirement goals. According to a recent Forbes survey, only 52% of investors look to get the assistance of a financial advisor or financial planner. Forbes also discovered that people who do ask for professional help have more successful financial results than pre-retirees who do not. It’s smart to seek help from a smart financial advisor.
Lots of people start with basic questions like: (1) How much money do I need to retire? (2) How much money do you need to retire? (3) How much will I need to retire? (4) Do I need alternative investments? (5) Do I need life insurance? The list of questions goes on and on. Finance and investing can be very complex and mind boggling sometimes.
We are known for providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we realize if a solution it too complicated to grasp, it will be too challenging to use and watch 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 succeed financially is to first get a benchmark of where you are today financially. Are you on track to reach 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 need to go, you first need to determine where you are at this time.
With our plan and 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 quick and 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 frequently running various “what it” scenarios to see how little tweaks in their financial planning can impact their end 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 desire 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 getting on your retirement and the rate of return that you think you will achieve during your retirement years. It’s that simple. Then you simply click the calculate button.
The results of your inputs pull up right away. It will tell you if you are on track to reach 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’re not on track, the retirement calculator will even show you the 4 critical areas that you can make changes to to be sure you reach your goals. Based on the findings you can go back and type in some different combinations of numbers and keep going back and forth and find out if you can reasonably make edits to obtain your retirement 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 situation is half the battle.
Note: We work with quite a few high net worth clients who love using our plans to grow their funds and protect themselves from soaring tax rates, creditors, soaring fees and keeping their investments private and off the Government grid. However, quite a few of our clients consider themselves to be pretty average.
If you are not on track to achieve your 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.
Marlow Financial Planners
As financial planners, often 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 amount most Americans spend on taxes is the single largest financial expense 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 expenditure
That’s why it is so important for us to focus on this major expenditure and reduce your taxes as much as you can. We believe that our main 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 amazing country of ours. It truly is that powerful. In a nutshell, this is how our plan works.
You put in after taxed dollars to the 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 seem 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 your funds for any reason at all like an illness, an unexpected expense, an unexpected opportunity or investment, university savings 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 access your funds at any time you wish with zero 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 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 blow you away.) 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 the future tax rates will have no choice but to rise sharply.
By setting up a Barefoot Retirement Plan you can completely protect yourself from having to pay any taxes on the money you pull out. This one benefit alone can make or break most people’s retirement dreams.
Retirement Planning Marlow
The next task 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 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 retirement accounts.
Millions of hard working Americans were just getting ready to enter into retirement. When the crash happened and they lost almost half of everything they had spent a lifetime building up, it was devastating. That is why our 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 unique plan you are 100% guaranteed not to lose a single penny 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 easier you could sleep at night knowing that you were guaranteed not to lose a dime in market declines. This one feature of The Barefoot Retirement Plan 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 Marlow
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 our plan gives you the option, if you choose to use it, to leverage your returns and actually earn 2 different returns, on the same money, at the same time. Yes, we know the first time most people hear this, it sounds too good to be true and may even question if it is legal. We assure 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 giant corporations. Believe me, they certainly 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 rich.
Here is a high level look at how the leveraging option could work. Many of our clients choose the 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 17% on your money, 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 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 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 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 100k earns between 0% 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 17% on the entire $100,000 account value.
Additionally you earn whatever return you get on your 80k that you put into your real estate deal. So you are affectively 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 powerful 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 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 wait. 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