Ninnekah Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor Ninnekah
Are you trying to find a financial advisor to help 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 top notch financial advisors. First of all, congratulations on being wise enough to seek out professional help in this very important area of your life.
As you know, we only get this one chance in life and one chance to do this right. Life goes by much too fast. If we try and go it alone and come in short of where we should be, it’s often challenging to make up for lost funds. The longer you wait, the harder it will be to come back and achieve 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. They also revealed that investors who do use professional help have more profitable financial gains than pre-retirees 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 be able to retire? (2) What’s the real difference between an Individual Retirement Account and an 401k? (3) How much should I save for retirement? (4) Do I need alternative investments? (5) What can I do to insure I never lose money? The list of questions goes on and on. Money and investing can be very complex and mind blowing 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 challenging to implement and review and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Ninnekah
Our first step in financial planning and helping you reach your financial goals is to first get a benchmark 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 know for sure, before you can get to where you need to go, you first need to discover where you are right now.
With our plan and 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 simple 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 minor changes in their financial planning can impact their end results. The first simple retirement calculator we suggest you use could not be any easier to use. You simply plug in your age, the age you want to retire, the amount you currently have saved for retirement now, how much you add to on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently earning on your portfolio and the rate of return that you think you will achieve during your retirement years. It’s that easy. You then just click the calculate button.
The results of your numbers pull up instantly. It will clearly show you if you are on track to obtain 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 calculator will even show you the 4 critical areas that you can make changes to to insure you obtain your goals. Based on your 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 edits to reach your 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 a lot of high net worth investors who love using our strategies to grow their portfolios and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the Government grid. However, many 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.
Ninnekah Financial Planners
As financial planners, usually 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 dollars most Americans spend on taxes is the single biggest financial cost of their life time? Lots of 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 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 main 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’s legally allowed in this amazing country of ours. It truly is that powerful. In a nutshell, this is how our plan works.
You contribute after taxed dollars to the program. 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 appear as good as your IRA or 401(k) but please stay tuned. We will clearly demonstrate how our program 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 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 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 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 now, most experts believe that our 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 dreams.
Retirement Planning Ninnekah
The next step 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 cause that can crush your retirement dreams and keep you working for much longer than you needed to. Lots of investors lost upwards of 50% of their funds 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 next market crash of 2007/2008 and many investors lost another 40% to 50% of their money.
Millions of hard working Americans were just getting ready to retire. When the crash triggered and they lost almost half of everything they had spent a lifetime working for, 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 patented plan you are totally guaranteed not to lose a single cent 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 better you could sleep at night knowing that you were 100% guaranteed not to lose a cent in market declines. This one feature alone 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, 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 Ninnekah
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the strong benefits of our unique and patented flagship plan that we offer is that it gives you the option, if you wish 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 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 money 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 wealthy.
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 17% on your account, and your gains are always locked in. Or, if the value of the indexes goes down 20%, 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 $100,000 in your Barefoot Retirement account. That 100k earns between zero percent to 17% each year. Then you decide to borrow $80,000 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 zero percent 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 actually earning 2 different returns on the same funds 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 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 put this off. 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 Grady County Call Us Today At: 405-418-6266