Oilton Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Oilton
Are you in search of a financial advisor to assist with your financial planning and retirement planning? If so, you’ve arrived at the best place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First off, congrats on being smart enough to seek professional help in this really important part of your life.
As you already know, we only get this one chance in life and one chance to make this right. Life goes by far too fast. If we decide to go it alone and come in short of where we ought to be, it’s often difficult to make up for lost results. The longer you delay, the harder it will be to catch up and obtain your financial goals. According to a recent Forbes survey, only 52% of investors ask for the help of a financial advisor or financial planner. Forbes also revealed that pre-retirees who do seek professional help have more profitable financial results than investors who do not. It’s wise to find help from a good financial advisor.
Lots of 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 do I need to save for retirement? (4) Do I need alternative investments? (5) SEP IRA 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 specialize in providing simple, proven and very effective financial strategies to help investors 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 put in place and review and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Oilton
Our first goal in financial planning and helping you reach your financial goals is to first get a baseline of where you are today financially. Are you on track to obtain your financial and retirement goals? Most people have no idea at all. As we understand, before you can get to where you want to go, you first need to determine where you are right now.
With our plan and 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 really 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.
Many of our clients use them all the time running various “what it” concepts to see how minor changes in their financial planning can impact their net 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 retirement and the rate of return that you wish you will achieve during your retirement years. It’s that easy. Next you simply click the calculate button.
The results of your numbers pull up immediately. 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’re not on goal, the calculator will even show you the four critical areas that you can make changes to to insure you reach your goals. Based on those findings you can go back and type in some different combinations of amounts and keep going back and forth and see if you can reasonably make edits to achieve your retirement goals.
It’s really much 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 plans to grow their accounts and protect themselves from soaring tax rates, creditors, soaring fees and keeping their accounts private and off the radar. However, most 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 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 last.
Oilton Financial Planners
As financial planners, most often 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 largest financial expense 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 their mortgage payments, car payments and college for their kids, etc.
That’s why it is most important for us to focus on this major cost and reduce your taxes as much as you can. We believe that our top 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 great country of ours. It really is that powerful. In a nutshell, this is how our plan works.
You invest post taxed dollars to the plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you contribute pre-taxed dollars, our plan requires you to pay the tax on the money before you put them in. On the surface this may not appear as good as your IRA or 401(k) but please keep reading. We will clearly show you how our program will 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 at all, you can simply take your funds out at any time. We will show you exactly how you will be able to take out your money at any time with no penalties, no fees and no taxes.
Then, when you retire, 100% 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. 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 these days, most experts believe that the future tax rates will have no choice but to rise significantly.
By setting up a Barefoot Retirement Plan you can completely 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 Oilton
The next action 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 event that can destroy your retirement dreams and keep you working for much longer than you needed to. Many investors lost upwards of 50% of their accounts 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 their retirement accounts.
Millions of hard working Americans were just getting ready to enter into retirement. When the crash triggered and they lost about 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 want to get our clients 100% protected from stock market losses and crashes, and yes, it actually is possible.
With our one-of-a-kind plan you are totally guaranteed not to lose a single penny 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 100% guaranteed not to lose a dollar in stock market declines. This one feature alone can make the difference between you having the retirement of your dreams or being wiped out.
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. Our unique plan is smart on steroids.
Wealth Management Oilton
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 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 you 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 mainly been used by wealthy families, politicians and huge corporations. Believe me, they certainly 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 of our 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 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 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 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 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 0% to seventeen percent on the entire $100,000 account value.
Additionally you earn whatever return you get on your 80k that you put into your real estate deal. So you are affectively earning two 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 powerful 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 might 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.
For The Best Financial And Retirement Planning In Creek County Call Us Today At: 405-418-6266