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

Financial Advisor Prague

Are you seeking a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve found the perfect place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, congratulations on being smart enough to seek professional help in this really important area of your life.

As you are aware, we only get this one chance at life and one chance to get this right. Life goes by much too fast. If we decide to go it alone and fall short of where we need to be, it’s often challenging to make up for lost funds. The longer you delay, the harder it will be to produce better returns and obtain your financial goals. According to a recent Forbes survey, only 52% of pre-retirees seek out the help of a financial advisor or financial planner. The survey also revealed that pre-retirees who do use professional help have stronger financial performance than those who do not. It’s really smart to seek help from a knowledgeable 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 will I need to retire? (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 boggling sometimes.

We are known for providing simple, proven and very effective financial strategies to help people reach your financial and retirement goals. After all, we have learned if a solution it too complicated to understand, it will be too complicated to implement and review and thus will not be acted upon in the first place. That’s why we keep things simple.

Financial Planning Prague

Our first step in financial planning and helping you succeed financially is to first get a baseline 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 need to go, you first need to find out where you are right now.

With our plan and with keeping things easy, 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 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 very often running various “what it” scenarios 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 enter in your age, the age you would like to retire, the amount you currently have saved for retirement now, how much you put in on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently earning on your investments and the rate of return that you think you will achieve during your retirement years. That’s it. Then you just click the calculate button.

The results of your numbers pull up instantly. 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 retirement calculator will even show you the 4 main areas that you can change to make sure you reach your goals. Based on your 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 adjustments to obtain your goals.

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

Note: We work with quite a few high net worth individuals 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 Government radar. However, many of our clients consider themselves to be mostly average.

If you are not on track to reach your investment 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.

Prague Financial Planners

As financial planners, most often 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 expenditure of their life? 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 any other expense.

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 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 is legally allowed in this fantastic country of ours. It really is that powerful. In a nutshell, this is how it works.

You put in after taxed dollars to The Barefoot Retirement Plan. 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 money before you contribute it. On the surface this may not appear 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, without a doubt!

You funds then grow tax differed within your account. If you need the funds for any reason at all like sickness, 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 zero 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 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 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 option 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 hopes and dreams.

Retirement Planning Prague

The next step we take in our retirement planning is to get you protected from losing money in the market. Next to taxes, market losses are the next big event that can ruin your retirement dreams and keep you working for much longer than you hoped to. Large numbers of investors lost upwards of 50% of their accounts 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 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 retire. When the crash triggered and they lost 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 work to get our clients 100% protected from market losses and crashes, and yes, it actually is possible.

With our powerful plan you are totally guaranteed not to lose a single dime due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this brings to our clients. Imagine how much easier you could sleep at night knowing that you were guaranteed not to lose a dime in stock 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, 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 Prague

We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the amazing benefits of our unique and patented flagship program that we offer is that the plan gives you the option, if you wish to use it, to leverage your returns and actually earn 2 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 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 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 plan that has a zero percent floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up twenty percent in a given year, you earn 17% on your money, 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 those funds into ANYTHING in the planet 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 $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 zero percent to 17% on the entire 100k 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 2 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 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 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.