Pond Creek Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Pond Creek
Are you searching for 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 excellent financial advisors. First of all, congratulations on being wise enough to search for professional help in this most important area of your life.
As you are aware, we only get one chance at life and one chance to do this right. Life goes by much too fast. If we attempt to go it alone and fall short of where we need to be, it’s often challenging to make up for lost growth. The longer you hold off on this, the more challenging 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 revealed that investors who do seek out professional help have stronger financial returns than people who do not. It’s wise to ask for 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 will I need to retire? (4) Do I need alternative investments? (5) Is a 401k better than an IRA? The list of questions goes on and on. Finance and investing can be very complex and mind boggling sometimes.
We are known for 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 complex to understand, it will be too challenging to put in place and watch and thus will not be acted upon in the first place. That’s why we like to keep things simple.
Financial Planning Pond Creek
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 exceed your financial and retirement goals? Scores of people have no idea in the world. As we know, before you can get to where you need to go, you first need to determine where you are right now.
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 simple and easy to use, yet very effective. Our simple retirement calculators are 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.
Many of our clients use them frequently running various “what it” ideas to see how minor tweaks in their financial planning can impact their overall results. The first simple retirement calculator we suggest you start with could not be any easier 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 add to on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently realizing on your investments and the rate of return that you estimate 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 instantly. 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 are not on goal, the calculator will even show you the 4 main areas that you can make changes to to help 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 and find out if you can reasonably make edits to reach your 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 finances is half the battle.
Note: We work with many high net worth people who love using our strategies to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their funds private and off the radar. However, quite a few 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.
Pond Creek 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 largest financial expense 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 any other expense.
That’s why it is most important to focus on this major cost and reduce your taxes as much as you can. 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 is legally allowed in this great country of ours. It really is that powerful. In a nutshell, this is how our program works.
You invest post taxed dollars to The Barefoot Retirement Plan. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you put in pre-taxed dollars, our program 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 program 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 emergency, an unexpected expense, an unexpected opportunity or investment, university savings or anything at all, you can simply take your funds out at any time. We will show you how you will be able to get your funds at any time you wish 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 such a big thing. At the time this is being written, Bernie Sanders is running for President. He is suggesting 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 at this time, 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 totally protect yourself from having to pay any taxes on the money you pull out. This one benefit alone can make or break most people’s retirement plan.
Retirement Planning Pond Creek
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 issue that can end your retirement dreams and keep you working for much longer than you needed to. Lots of investors lost upwards of 50% of their accounts 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 mortgage/housing 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 begin retirement. When the crash triggered and they lost almost half of everything they had spent a lifetime creating, it was devastating. That is why the 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 really is possible.
With our patented plan you are totally guaranteed not to lose a single dime 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 nicer you could sleep at night knowing that you were totally guaranteed not to lose a dime in 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 market goes up, you lock in your gains each year. When the market goes down, you lose nothing and your previous gains are locked in and protected from losses. Our plan is smart on steroids.
Wealth Management Pond Creek
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 program that we offer is that our program gives you the option, if you want to use it, to leverage your returns and actually earn two different returns, on the exact 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 guarantee you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have mainly 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 our 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 twenty percent, you maintain your zero percent floor and have no losses at all.
You then have the option to borrow the majority of the funds from your account. (You have to do this correctly and we’ll show you how), and you can then invest those funds into ANYTHING under the sun 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 can 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 $100,000 earns between 0% to seventeen percent 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 100k and you continue to earn the zero percent to 17% 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 actually 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 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 Grant County Call Us Today At: 405-418-6266