Norman Financial Advisor – Retirement & Financial Planning Pros 405-418-6266

Financial Advisor Norman

Are you trying to find a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve come to the perfect place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First of all, congrats on being brilliant enough to search for professional help in this critically important area of your life.

As you already know, we only get one chance at life and one chance to get this right. Life goes by much too fast. If we try and go it alone and fall short of where we should be, it’s often challenging to make up for lost funds. The longer you hold off on this, the more difficult it will be to catch up and obtain your retirement goals. According to a recent Forbes survey, only 52% of investors ask for the help of a financial advisor or financial planner. Forbes also found that those who do obtain professional help have stronger financial gains than individuals who do not. It’s smart to seek help from a smart financial advisor.

Lots of people start with basic questions like: (1) How much money do I need to be able to retire? (2) How much to save for retirement? (3) How much will I need to retire? (4) What’s the story on alternative investments? (5) 401k 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 pride ourselves on providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we realize if a solution it too complex to grasp, it will be too challenging to set up and monitor and thus will not be acted upon in the first place. That’s why we like to keep things simple.

Financial Planning Norman

Our first step in financial planning and helping you reach your financial goals is to first get a starting point of where you are today financially. Are you on track to reach your financial and retirement goals? Many people have no idea in the world. As we know, before you can get to where you need to go, you first need to find out where you are at this time.

In our alignment with keeping things easy, 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 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” concepts to see how small tweaks in their financial planning can impact their overall 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 want 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 realizing on your accounts and the rate of return that you wish you will achieve during your retirement years. It’s that simple. Now you simply click the calculate button.

The results of your numbers pull up right away. It will tell you if you are on track to obtain your retirement goals or not, and if not, it will show 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 main areas that you can change to help you obtain your goals. Based on the findings you can go back and enter in some different combinations of numbers and keep going back and forth to see if you can reasonably make adjustments to achieve your financial goals.

It’s really very fun to do. For most people it’s a real shocker. Discovering where you are now and being honest about your current finances is half the battle.

Note: We work with quite a few high net worth clients who love using our strategies to grow their net worth and protect themselves from rising tax rates, creditors, soaring fees and keeping their funds private and off the radar. However, many of our clients consider themselves to be financially 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.

Norman 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 believe will be, future tax rate increases. Did you know that the dollars most Americans spend on taxes is the single largest financial cost of their life time? 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 so important for us to focus on this major cost and reduce your taxes as much as you can. We believe that our primary 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 great country of ours. It truly is that powerful. In a nutshell, this is how our plan works.

You put in after taxed dollars to the program. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our plan requires you to pay the tax on the funds 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 plan will out perform 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 at all, you can simply take your funds out at any time. We will show you how you will be able to access your funds 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 advocating 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 blow you away.) 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 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 plan.

Retirement Planning Norman

The next action we take in successful retirement planning is to get you protected from losing money in the stock market. Next to taxes, market losses are the next big issue that can crush your retirement dreams and keep you working for much longer than you planned to. Large numbers of investors lost upwards of 50% of their funds 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 next market crash of 2007/2008 and many investors lost another 40% to 50% of their portfolios.

Millions of hard working Americans were just getting ready to enter into retirement. When the crash happened and they lost about half of everything they had spent a lifetime building up, 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 stock market losses and crashes, and yes, it actually is possible.

With our powerful 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 makes possible to our clients. Imagine how much easier you could sleep at night knowing that you were 100% guaranteed not to lose a penny in stock market declines. This one feature of the plan 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, 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. This plan is smart on steroids.

Wealth Management Norman

We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the strong 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 same money, 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 promise 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 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 our blended index option that has a zero percent floor and a 17% cap. So if the value of the indexes’ tracked goes up twenty percent in a given year, you earn seventeen percent 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 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 planet that you wish. You don’t have to seek 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 100k earns between zero percent to 17% each year. Then you decide to borrow $80,000 from the account and put it into a profitable 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 $80,000 that you put into your real estate deal. So you are actually 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 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 may 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 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.