Mill Creek Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Mill Creek
Are you searching for a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve arrived at the most perfect place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First of all, congratulations on being brilliant enough to seek 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 much too fast. If we decide to go it alone and fall short of where we should be, it’s often difficult to make up for lost growth. The longer you hold off on this, the more challenging it will be to come back and reach your financial goals. According to a recent Forbes survey, only 52% of pre-retirees look to get the help of a financial advisor or financial planner. Forbes also discovered that those who do secure professional help have better financial results than investors who do not. It’s smart to ask for help from a smart financial advisor.
Many people start with basic questions like: (1) How much do I need to retire? (2) How much money do you need to retire? (3) How much do I need to save for retirement? (4) What’s the story on alternative investments? (5) SEP IRA vs ROTH IRA, which is better? The list of questions goes on and on. Finances and investing can be very complex and mind boggling sometimes.
We focus on providing simple, proven and very effective financial strategies to help you reach your financial and retirement goals. After all, we have learned if a solution it too complicated to understand, it will be too difficult to implement and monitor and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Mill Creek
Our first step 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 achieve your financial and retirement goals? Most people have no idea in the world. As we know, before you can get to where you need to go, you first need to learn where you are at this time.
In our alignment with keeping things simple, 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 really easy to use, yet very effective. Our simple retirement calculators are free to use and they are online, so you can go online and use them at any time it is convenient with you and your schedule.
Many of our clients use these frequently running various “what it” ideas to see how small tweaks in their financial planning can impact their overall results. The first simple retirement calculator we suggest you begin with could not be any simpler to use. You simply type in your age, the age you desire to retire, the amount you currently have saved for retirement now, how much you contribute on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently earning on your retirement and the rate of return that you believe you will achieve during your retirement years. It’s that simple. Next you simply click the calculate button.
The results of your numbers pull up right away. 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 away you are in funds, years and percentages. If you’re not on track, the calculator will even show you the 4 key areas that you can make changes to to help you reach your goals. Based on the findings you can go back and type in some different combinations of amounts and keep going back and forth and find out if you can reasonably make changes to achieve your retirement goals.
It’s really quite fun to do. For most people it’s a real eye-opener. Discovering where you are 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 strategies to grow their net worth and protect themselves from soaring tax rates, creditors, soaring fees and keeping their accounts 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 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.
Mill Creek 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 dollars most Americans spend on taxes is the single biggest financial cost of their life time? Many people have no clue, yet it is true for most of us. The average American spends more on taxes than they do on any other expense.
That’s why it is so important to focus on this major expense and reduce your taxes as much as possible. We believe that our primary 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 is legally allowed in this great country of ours. It really is that powerful. In a nutshell, this is how it works.
You put in post taxed dollars to The Barefoot Retirement Plan. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our program requires you to pay the tax on the money before you invest it. On the surface this may not look as good as your IRA or 401(k) but please keep reading. We will clearly demonstrate how our program will blow away these other plans, without a doubt!
You funds then grow tax differed within your account. If you need the funds for any reason at all like emergency, an unexpected expense, an unexpected opportunity or investment, college savings 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 money at any time you wish with no 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 proposing 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 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 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 Mill Creek
The next action we take in our retirement planning is to get you protected from losing money in the stock market. Next to taxes, market losses are the next big thing that can ruin your retirement dreams and keep you working for much longer than you wanted to. Large numbers of investors lost upwards of 50% of their money 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 everything.
Millions of hard working Americans were just getting ready to retire. When the crash happened and they lost about 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 want to get our clients 100% protected from stock market losses and crashes, and yes, it actually is possible.
With our patented plan you are totally 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 provides to our clients. Imagine how much deeper 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 market goes up, you 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 Mill Creek
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 program gives you the option, if you choose 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 you hear this, it sounds too good to be true and may even question if it is legal. We assure you this 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 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 person and not just the rich.
Here is a high level look at how the leveraging option could work. Many of our clients choose our blended index option that has a zero percent floor and a 17% cap. So if the value of the indexes’ tracked goes up 20% 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 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 under the sun 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 get to 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 $100,000 earns between 0% to seventeen percent 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 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 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 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 Johnston County Call Us Today At: 405-418-6266