Ravia Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Ravia
Are you looking for 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 top notch financial advisors. First off, congratulations on being wise enough to look for professional help in this very important area of your life.
As you already know, we only get this one chance in life and one chance to do this right. Life goes by way too fast. If we decide to go it alone and come in short of where we should be, it’s often difficult to make up for lost ground. The longer you put this off, the harder it will be to produce better returns and obtain your financial goals. According to a recent Forbes survey, only 52% of people look to get the help of a financial advisor or financial planner. They also revealed that investors who do ask for professional help have more profitable financial results than people who do not. It’s really smart to seek help from a knowledgeable financial advisor.
Most people start with basic questions like: (1) How much do I need to retire? (2) What’s the real difference between a IRA and 401k? (3) How much do I need to save for retirement? (4) What about alternative investments? (5) Do I need life insurance? The list of questions goes on and on. Money and investing can be very complex and mind boggling sometimes.
We focus on providing simple, proven and very effective financial strategies to help people reach your financial and retirement goals. After all, we realize if a solution it too difficult to grasp, 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 know to keep things simple.
Financial Planning Ravia
Our first goal 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? Lots of people have no idea at all. As we understand, 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 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 these all the time running various “what it” concepts to see how minor changes 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 plug in your age, the age you desire to retire, the amount you currently have saved for retirement now, how much you invest on an annual basis, your desired yearly 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. Next you simply click the calculate button.
The results of your inputs pull up instantly. It will tell 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 are not on goal, it will even show you the four main areas that you can change to help you obtain 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 find out if you can reasonably make adjustments to achieve your financial goals.
It’s really quite fun to do. For most people it’s a real eye-opener. Knowing where you are right 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 portfolios and protect themselves from soaring tax rates, creditors, soaring fees and keeping their accounts private and off the Government grid. However, many of our clients consider themselves to be financially 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.
Ravia 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 believe will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single largest financial expense of their life time? Most people have no clue, yet it is true for most of us. The average American spends more on taxes than they do on on any other expenditure
That’s why it is so important to focus on this major cost and reduce your taxes as much as you can. We believe that our main financial program that we happen to call The Barefoot Retirement Plan is the single most powerful way to protect yourself and save on taxes that’s legally allowed in this fantastic country of ours. It really is that powerful. In a nutshell, this is how our program works.
You invest after taxed dollars to the 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 put them in. On the surface this may not seem as good as your IRA or 401(k) but please keep an open mind. We will clearly demonstrate how our program 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 an illness, an unexpected expense, an unexpected opportunity or investment, college or anything under the sun, you can simply take your funds out at any time. We will show you exactly how you will be able to take out your funds at any time 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 such a powerful thing. 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 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 choice but to rise significantly.
By setting up a Barefoot Retirement Plan you can totally 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 plans.
Retirement Planning Ravia
The next task we take in our retirement planning is to get you protected from losing money in the stock market. Next to taxes, stock market losses are the next big issue that can crush your retirement dreams and keep you working for much longer than you wanted to. Far too many investors lost upwards of 50% of their money 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 everything.
Millions of hard working Americans were just getting ready to retire. When the crash occurred and they lost almost 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 want to get our clients 100% protected from market losses and crashes, and yes, it actually is possible.
With our patented 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 gives to our clients. Imagine how much nicer you could sleep at night knowing that you were totally guaranteed not to lose a dollar in market declines. This one feature of the plan 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 your previous gains are locked in and protected from losses. Our plan is smart on steroids.
Wealth Management Ravia
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 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 funds, 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 mostly been used by wealthy families, politicians and huge corporations. Believe me, they do 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 person and not just the wealthy.
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 20% 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 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 in the world 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 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 0% to seventeen percent each year. Then you decide to borrow $80,000 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 $100,000 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 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 patented 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 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 hesitate. 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 Johnston County Call Us Today At: 405-418-6266