Ripley Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Ripley
Are you seeking a financial advisor to help with your financial planning and retirement planning? If so, you’ve found the most perfect place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First of all, congratulations on being smart enough to search for professional help in this very important part of your life.
As you know, we only get 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 hard to make up for lost funds. The longer you wait, the more difficult it will be to come back and achieve your financial goals. According to a recent Forbes survey, only 52% of individuals look to get the assistance of a financial advisor or financial planner. The survey also found that people who do secure professional help have stronger financial results than investors who do not. It’s really smart to seek help from a experienced financial advisor.
Most people start with basic questions like: (1) How much money do I need to retire? (2) What’s the real difference between a IRA and 401k? (3) How much should I save for retirement? (4) What’s the story on alternative investments? (5) SEP IRA vs ROTH IRA, 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 realize if a solution it too complicated to grasp, it will be too complicated to implement and review and thus will not be acted upon in the first place. That’s why we like to keep things simple.
Financial Planning Ripley
Our first step in financial planning and helping you reach your financial goals is to first get a benchmark 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 know, before you can get to where you want to go, you first need to learn where you are at this time.
In our alignment 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 user friendly to use, yet very effective. Our simple retirement calculators are free to use and they are online, so you can log in and use them at any time it is convenient with you and your schedule.
Many of our clients use them all the time running various “what it” concepts to see how small 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 key 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 getting on your portfolio and the rate of return that you wish you will achieve during your retirement years. That’s it. Next you just click the calculate button.
The results of your numbers pull up immediately. 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 track, the calculator will even show you the four key areas that you can change to insure you obtain your goals. Based on your findings you can go back and type in some different combinations of amounts and keep going back and forth and discover if you can reasonably make adjustments to obtain your financial goals.
It’s really much fun to do. For most people it’s a real eye-opener. Finding out where you are now and being honest about your current standings is half the battle.
Note: We work with many high net worth clients who love using our strategies to grow their net worth and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the Government radar. However, lots of our clients consider themselves to be pretty average.
If you are not on track to achieve 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 do.
Ripley 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 dollars most Americans spend on taxes is the single biggest financial expense of their life time? Lots of people have no idea, 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 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 program 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 great country of ours. It truly is that powerful. In a nutshell, this is how our program works.
You contribute after taxed dollars to The Barefoot Retirement Plan. Yes, unlike your 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 put them in. On the surface this may not appear as good as your IRA or 401(k) but please keep an open mind. 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, college or anything under the sun, you can simply take your money out at any time. We will show you exactly how you will be able to access your money at any time you wish 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 big thing. At the time this is being written, Bernie Sanders is running for President. He is proposing 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 blow you away.) 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 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 Ripley
The next task we take in successful retirement planning is to get you protected from losing money in the stock market. Next to taxes, market losses are the next big event that can crush your retirement dreams and keep you working for much longer than you wanted to. Many investors lost upwards of 50% of their funds 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 money.
Millions of hard working Americans were just getting ready to enter into 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 actually is possible.
With our one-of-a-kind plan you are 100% 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 deeper you could sleep at night knowing that you were 100% guaranteed not to lose a dollar in stock 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 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 Ripley
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the strong benefits of our unique and patented flagship program that we offer is that it gives you the option, if you choose to use it, to leverage your returns and actually earn two different returns, on the 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 assure 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 certainly 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 average person and not just the wealthy.
Here is a high level look at how the leveraging option could work. Many clients choose the blended index option that has a 0% floor and a 17% cap. So if the value of the indexes’ tracked goes up twenty percent 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 20%, 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 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 get to choose to put your funds into anything you want or need to, no problem.
Let’s use an example. Say you have 100k in your Barefoot Retirement account. That $100,000 earns between 0% to 17% 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 seventeen percent 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 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 amazing 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 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 Payne County Call Us Today At: 405-418-6266