Moore Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor Moore
Are you in search of 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 knowledgeable financial advisors. First of all, congrats on being wise enough to seek out professional help in this super important part of your life.
As you already know, we only get this one chance at life and one chance to get this right. Life goes by far too fast. If we try and go it alone and fall short of where we need to be, it’s often challenging to make up for lost ground. The longer you wait, the more challenging it will be to make up lost ground and reach your retirement goals. According to a recent Forbes survey, only 52% of pre-retirees look to get the assistance of a financial advisor or financial planner. The survey also found that those who do ask for professional help have better financial performance than pre-retirees who do not. It’s smart to ask for help from a knowledgeable financial advisor.
Most 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’s the story on alternative investments? (5) SEP IRA 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 focus on providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we know if a solution it too difficult to grasp, it will be too complicated to use and review and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Moore
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 obtain your financial and retirement goals? Scores of people have no idea in the world. As we understand, before you can get to where you want to go, you first need to learn where you are right now.
In our alignment with keeping things easy, we have created 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 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” scenarios to see how minor changes 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 key in your age, the age you would like to retire, the amount you currently have saved for retirement now, how much you add to on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently earning on your investments and the rate of return that you hope you will achieve during your retirement years. That’s it. Then you simply click the calculate button.
The results of your numbers pull up right away. It will show you if you are on track to obtain 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 are not on track, the retirement calculator will even show you the 4 main areas that you can change to make sure you reach 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 discover 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 shocker. Knowing 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 portfolios and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts private and off the Government radar. However, lots of our clients consider themselves to be mostly average.
If you are not on track to obtain 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 do.
Moore 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 think 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 time? Many people have no idea, 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 most important to focus on this major cost 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 successful way to protect yourself and save on taxes that’s legally allowed in this fantastic country of ours. It truly is that powerful. In a nutshell, this is how it works.
You invest after taxed dollars to The Barefoot Retirement Plan. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you put in pre-taxed dollars, our plan 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 trust us. We will clearly demonstrate how our plan will beat the pants off of 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, 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 access your money at any time with no 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 powerful 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 at this time, most experts believe that our future tax rates will have no choice but to rise significantly.
By setting up a Barefoot Retirement Plan you can 100% 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 Moore
The next action we take in our retirement planning is to get you protected from losing money in the market. Next to taxes, stock market losses are the next big issue that can end your retirement dreams and keep you working for much longer than you hoped to. Large numbers of investors lost upwards of 50% of their money in the Dot Com crash of 2000. Then, just as soon 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 everything.
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 creating, it was devastating. That is why the 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 truly is possible.
With our unique plan you are 100% guaranteed not to lose a single dime due to market downturns, losses or crashes. I cannot even begin to express to you how much peace of mind this brings to our clients. Imagine how much deeper you could sleep at night knowing that you were totally guaranteed not to lose a cent in 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 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. This plan is smart on steroids.
Wealth Management Moore
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the powerful benefits of our unique and patented flagship program that we offer is that our program gives you the option, if you wish to use it, to leverage your returns and actually earn two different returns, on the same money, 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 primarily been used by wealthy families, politicians and giant corporations. Believe me, they certainly 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 person and not just the rich.
Here is a high level look at how the leveraging option could work. Many clients choose the blended index account 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 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 zero percent floor and have 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 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 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 $80,000 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 100k and you continue to earn the zero percent 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 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 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 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 Cleveland County Call Us Today At: 405-418-6266