Morris Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Morris
Are you searching for a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve found the best place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First off, congratulations on being wise enough to seek out professional help in this very important area of your life.
As you are aware, we only get this one chance at life and one chance to do this right. Life goes by far too fast. If we try and go it alone and fall short of where we ought to be, it’s often hard to make up for lost results. The longer you wait, the more difficult it will be to catch up and reach your retirement goals. According to a recent Forbes survey, only 52% of Americans ask for the help of a financial advisor or financial planner. They also found that investors who do seek out professional help have more profitable financial results than those who do not. It’s really smart to find help from a smart financial advisor.
Lots of people start with basic questions like: (1) How much savings do I need to retire? (2) What’s the real difference between an IRA vs 401k? (3) How much should I save for retirement? (4) What alternative investments can I invest in? (5) Is a 401k better than an IRA? The list of questions goes on and on. Money and investing can be very complex and mind boggling sometimes.
We are known for providing simple, proven and very effective financial strategies to help clients reach your financial and retirement goals. After all, we know if a solution it too difficult 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 Morris
Our first goal in financial planning and helping you succeed financially is to first get a starting point of where you are today financially. Are you on track to reach your financial and retirement goals? Most people have no idea in the world. As we understand, before you can get to where you want to go, you first need to discover where you are right now.
In our alignment 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 super 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.
Lots of our clients use them all the time running various “what it” calculations to see how little changes in their financial planning can impact their end results. The first simple retirement calculator we suggest you use could not be any simpler to use. You simply plug in your age, the age you wish to retire, the amount you currently have saved for retirement now, how much you put in 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 wish you will achieve during your retirement years. That’s all there is. Now you just 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 off you are in funds, years and percentages. If you’re not on track, it will even show you the four main areas that you can make changes to to make sure you reach your goals. Based on the findings you can go back and plug in some different combinations of amounts and keep going back and forth to see if you can reasonably make adjustments to reach your financial goals.
It’s really quite fun to do. For most people it’s a real shocker. Knowing where you are now and being honest about your current situation is half the battle.
Note: We work with a lot of high net worth clients who love using our strategies to grow their funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the Government grid. However, many of our clients consider themselves to be mostly 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 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 do.
Morris 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 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 on any other expenditure
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 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 it works.
You put in after taxed dollars to our 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 funds before you invest it. On the surface this may not appear as good as your IRA or 401(k) but please stay tuned. We will clearly show you how our program will significantly out perform these other plans, without a doubt!
You funds then grow tax differed within your account. If you need your 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, ALL 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 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 the future tax rates will have no option but to rise significantly.
By setting up a Barefoot Retirement Plan you can completely protect yourself from needing to pay any taxes on the funds you pull out. This one benefit alone can make or break most people’s retirement plans.
Retirement Planning Morris
The next action we take in successful retirement planning is to get you protected from market losses. Second to taxes, market losses are the next big cause 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 funds 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 next 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 creating, 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 stock market losses and crashes, and yes, it actually is possible.
With our unique 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 gives to our clients. Imagine how much deeper you could sleep at night knowing that you were 100% guaranteed not to lose a cent in market declines. This one feature of the plan can make the difference between you having the retirement of your dreams or being devastated.
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 all of your previous gains are locked in and protected from losses. Our unique plan is smart on steroids.
Wealth Management Morris
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 our 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 promise you this is squeaky clean and as legal as legal gets.
Until recently plans like ours have primarily been used by wealthy families, politicians and mega corporations. Believe me, they do 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 main stream 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 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 20%, you maintain your zero percent 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 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 0% 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 $100,000 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 80k that you put into your real estate investment. 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 patented 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 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 Okmulgee County Call Us Today At: 405-418-6266