Ringwood Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Ringwood
Are you searching for a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve come to the perfect place. We are Oklahoma City Financial Planning Pros and we are knowledgeable financial advisors. First off, congrats on being brilliant enough to seek out professional help in this critically important part of your life.
As you are aware, we only get one chance in life and one chance to do this right. Life goes by far too fast. If we try and go it alone and fall short of where we should be, it’s often challenging to make up for lost funds. The longer you delay, the harder it will be to catch up and reach your portfolio goals. According to a recent Forbes survey, only 52% of Americans ask for the help of a financial advisor or financial planner. The survey also discovered that individuals who do seek professional help have stronger financial results than investors who do not. It’s smart to find help from a knowledgeable financial advisor.
Most 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 a IRA and 401k? (3) How much should I save for retirement? (4) What alternative investments can I invest in? (5) How can I save on taxes? The list of questions goes on and on. Finances and investing can be very complex and mind blowing sometimes.
We pride ourselves on 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 grasp, it will be too challenging to set up and review and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Ringwood
Our first goal 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 obtain your financial and retirement goals? Many people have no idea in the world. As we know, before you can get to where you wish to go, you first need to determine where you are at this time.
In our alignment 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 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.
Lots of our clients use them frequently running various “what it” ideas to see how minor shifts in their financial planning can impact their end results. The first simple retirement calculator we suggest you use could not be any simpler to use. You simply enter in your age, the age you desire 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 realizing on your accounts and the rate of return that you hope you will achieve during your retirement years. That’s it. Then you just click the calculate button.
The results of your inputs pull up immediately. 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’re not on track, the calculator will even show you the four key areas that you can make changes to to insure you reach your goals. Based on the findings you can go back and plug 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 much fun to do. For most people it’s a real eye-opener. Finding out where you are right now and being honest about your current situation is half the battle.
Note: We work with quite a few high net worth people who love using our strategies to grow their funds and protect themselves from soaring tax rates, creditors, soaring fees and keeping their money private and off the radar. However, lots of our clients consider themselves to be pretty 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 objective 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.
Ringwood 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 believe will be, future tax rate increases. Did you know that the dollars most Americans spend on taxes is the single largest financial cost of their life? 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 expense and reduce your taxes as much as you can. We believe that our best financial plan 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 amazing country of ours. It really is that powerful. In a nutshell, this is how it works.
You invest post taxed dollars to the program. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our program 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 reading. We will clearly show you how our plan 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 an illness, an unexpected expense, an unexpected opportunity or investment, university savings or anything under the sun, 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 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 powerful thing. At the time this is being written, Bernie Sanders is running for President. He is advocating 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 these days, most experts believe that the future tax rates will have no option but to rise significantly.
By setting up a Barefoot Retirement Plan you can 100% 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 hopes and dreams.
Retirement Planning Ringwood
The next step we take in our retirement planning is to get you protected from losing money in the market. Next to taxes, stock market losses are the next big thing that can crush your retirement dreams and keep you working for much longer than you hoped to. Many investors lost upwards of 50% of their money 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 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 happened and they lost almost 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 stock market losses and crashes, and yes, it truly is possible.
With our powerful plan you are 100% guaranteed not to lose a single penny 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 better you could sleep at night knowing that you were completely 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 being devastated.
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 your previous gains are locked in and protected from losses. Our unique plan is smart on steroids.
Wealth Management Ringwood
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the powerful benefits of our unique and patented flagship plan that we offer is that our plan gives you the option, if you wish to use it, to leverage your returns and actually earn 2 different returns, on the exact same money, at the same time. Yes, we know the first time most people hear this, it sounds too good to be true and may even question if it is legal. We guarantee 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 do 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 rich.
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 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 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 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 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 zero percent to 17% 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 $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 actually earning 2 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 unique 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 wait. 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 Major County Call Us Today At: 405-418-6266