Ralston Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Ralston
Are you trying to find a financial advisor to help with your financial planning and retirement planning? If so, you’ve come to the most perfect place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First of all, congrats on being brilliant enough to search for professional help in this most important area of your life.
As you already know, we only get this one chance at life and one chance to do this right. Life goes by way too fast. If we try and go it alone and come in short of where we need to be, it’s often difficult to make up for lost funds. The longer you delay, the more difficult it will be to fight your way back and reach your portfolio goals. According to a recent Forbes survey, only 52% of people seek out the help of a financial advisor or financial planner. Forbes also discovered that those who do look for professional help have better financial results than pre-retirees who do not. It’s really smart to obtain help from a good financial advisor.
Most people start with basic questions like: (1) How much money do I need to be able to retire? (2) How much money do you need to retire? (3) How much do I need to save for retirement? (4) What about alternative investments? (5) ROTH IRA vs 401(k), which is better? 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 our clients reach your financial and retirement goals. After all, we have learned if a solution it too complicated to learn, it will be too difficult to use and monitor and thus will not be acted upon in the first place. That’s why we like to keep things simple.
Financial Planning Ralston
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 reach your financial and retirement goals? Most people have no idea what-so-ever. As we know, before you can get to where you wish to go, you first need to find out where you are at this time.
In our alignment with keeping things easy, 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 super 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 very often running various “what it” scenarios to see how little edits in their financial planning can impact their total results. The first simple retirement calculator we suggest you use could not be any simpler to use. You simply key in your age, the age you would like to retire, the amount you currently have saved for retirement now, how much you contribute on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently earning on your accounts 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 reach 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 goal, the retirement calculator will even show you the four critical areas that you can change to insure you reach your goals. Based on your findings you can go back and type in some different combinations of numbers and keep going back and forth and see if you can reasonably make adjustments to reach your investment goals.
It’s really much fun to do. For most people it’s a real eye-opener. Knowing where you are now and being honest about your current standings is half the battle.
Note: We work with many high net worth investors who love using our plans to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their money private and off the grid. However, many of our clients consider themselves to be mostly average.
If you are not on track to obtain 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 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 live.
Ralston Financial Planners
As financial planners, 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 amount most Americans spend on taxes is the single biggest financial expenditure of their life time? Many 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 expenditure and reduce your taxes as much as you can. We believe that our flagship financial plan 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 amazing country of ours. It really 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 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 demonstrate how our plan will significantly out perform these other plans, bar none!
You funds then grow tax differed within your account. If you need the 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 access your money at any time with zero 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 proposing 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 amaze 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 significantly.
By setting up a Barefoot Retirement Plan you can 100% 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 Ralston
The next task we take in successful retirement planning is to get you protected from market losses. Second to taxes, market losses are the next big thing 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 money 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 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 enter into retirement. When the crash happened 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 truly is possible.
With our powerful plan you are completely guaranteed not to lose a single dollar due to market downturns, losses or crashes. I cannot even begin to express to you how much peace of mind this provides to our clients. Imagine how much nicer you could sleep at night knowing that you were totally guaranteed not to lose a penny in 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, 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. Our plan is smart on steroids.
Wealth Management Ralston
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 plan that we offer is that our plan 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 assure you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have primarily been used by wealthy families, politicians and huge corporations. Believe me, they 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 main stream and not just the wealthy.
Here is a high level look at how the leveraging option could work. Many of our clients choose our blended index account that has a 0% 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 twenty percent, 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 get 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 $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 sweet 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 0% 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 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 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 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 could 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 Pawnee County Call Us Today At: 405-418-6266