Nichols Hills Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Nichols Hills
Are you searching for a financial advisor to help with your financial planning and retirement planning? If so, you’ve arrived at the most perfect place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First off, congrats on being smart enough to search for professional help in this critically 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 way too fast. If we decide to go it alone and fall short of where we ought to be, it’s often hard to make up for lost funds. The longer you delay, the harder it will be to make up lost ground and achieve your retirement goals. According to a recent Forbes survey, just 52% of people seek out the assistance of a financial advisor or financial planner. The survey also discovered that investors who do secure professional help have stronger financial results than individuals who do not. It’s really smart to seek help from a smart 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 should I save for retirement? (4) What about alternative investments? (5) Is a 401k better than an IRA? The list of questions goes on and on. Finances and investing can be very complex and mind blowing sometimes.
We pride ourselves on providing simple, proven and very effective financial strategies to help people reach your financial and retirement goals. After all, we know if a solution it too complex to understand, it will be too complicated to set up and review and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Nichols Hills
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 achieve your financial and retirement goals? Scores of people have no idea what-so-ever. As we know, before you can get to where you wish to go, you first need to learn where you are at this time.
With our plan and with keeping things simple, 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 super 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.
Lots of our clients use these very often 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 begin with could not be any easier to use. You simply key 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 realizing on your investments and the rate of return that you hope you will achieve during your retirement years. It’s that easy. Next you just click the calculate button.
The results of your numbers pull up right away. It will show you if you are on track to reach 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 calculator will even show you the 4 critical areas that you can make changes to to help you obtain your goals. Based on your findings you can go back and key in some different combinations of amounts and keep going back and forth and discover if you can reasonably make changes to achieve your goals.
It’s really quite fun to do. For most people it’s a real shocker. Discovering 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 portfolios and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the grid. However, lots of our clients consider themselves to be pretty average.
If you are not on track to obtain 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 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 live.
Nichols Hills 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 think will be, future tax rate increases. Did you know that the dollars most Americans spend on taxes is the single biggest financial expenditure of their life? Most 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 single expenditure.
That’s why it is most important for us to focus on this major expense and reduce your taxes as much as you can. We believe that our flagship financial program that we happen to call The Barefoot Retirement Plan is the single best way to protect yourself and save on taxes that is legally allowed in this amazing country of ours. It truly is that powerful. In a nutshell, this is how our program works.
You contribute post taxed dollars to the program. Yes, unlike your 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 put them in. 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 program will 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 emergency, an unexpected expense, an unexpected opportunity or investment, college savings or anything at all, you can simply take your money out at any time. We will show you how you will be able to get your funds 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 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 amaze you.) 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 choice but to rise sharply.
By setting up a Barefoot Retirement Plan you can 100% protect yourself from having to pay any taxes on the funds you pull out. This one benefit alone can make or break most people’s retirement hopes and dreams.
Retirement Planning Nichols Hills
The next step we take in our 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 wanted to. Lots of investors lost upwards of 50% of their funds in the Dot Com crash of 2000. Then, just 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 their retirement accounts.
Millions of hard working Americans were just getting ready to begin retirement. When the crash triggered and they lost just 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 want to get our clients 100% protected from market losses and crashes, and yes, it actually is possible.
With our powerful plan you are completely 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 makes possible to our clients. Imagine how much easier you could sleep at night knowing that you were totally 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 stock 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. This plan is smart on steroids.
Wealth Management Nichols Hills
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 plan that we offer is that it gives you the option, if you choose to use it, to leverage your returns and actually earn two different returns, on the exact 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 guarantee you it 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 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 average person and not just the wealthy.
Here is a high level look at how the leveraging option could work. Many clients choose the blended index option that has a 0% floor and a seventeen percent 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 twenty percent, 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 that money into ANYTHING in the world 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 funds into anything you want or need to, no problem.
Let’s use an example. Say you have 100k in your Barefoot Retirement account. That $100,000 earns between zero percent 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 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 $80,000 that you put into your real estate investment. 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 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 may 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 Oklahoma County Call Us Today At: 405-418-6266