Roff Best Financial Planning & Retirement Planning 405-418-6266

Financial Advisor Roff

Are you searching for a financial advisor to help 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 knowledgeable financial advisors. First off, congrats on being wise enough to look for professional help in this really important part of your life.

As you know, we only get this one chance in life and one chance to do this right. Life goes by far too fast. If we attempt to go it alone and fall short of where we ought to be, it’s often challenging to make up for lost growth. The longer you delay, the harder it will be to catch up and achieve your financial goals. According to a recent Forbes survey, only 52% of people ask for the help of a financial advisor or financial planner. The survey also found that investors who do secure professional help have better financial gains than individuals who do not. It’s wise to get help from a good 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 IRA vs 401k? (3) How much will I need to retire? (4) Do I need 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 pride ourselves on providing simple, proven and very effective financial strategies to help clients reach your financial and retirement goals. After all, we have learned if a solution it too difficult to grasp, it will be too complicated to set up and monitor and thus will not be acted upon in the first place. That’s why we keep things simple.

Financial Planning Roff

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 achieve your financial and retirement goals? Many people have no idea what-so-ever. As we know, before you can get to where you need to go, you first need to determine 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 super easy to use, yet very effective. Our simple retirement calculators are completely free to use and they are online, so you can log on 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 minor changes in their financial planning can impact their total results. The first simple retirement calculator we suggest you start with could not be any easier 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 put in 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 hope you will achieve during your retirement years. It’s that easy. Next you just 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 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 four key areas that you can make changes to to be sure 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 see if you can reasonably make changes to achieve your financial goals.

It’s really very fun to do. For most people it’s a real shocker. 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 funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the grid. However, most of our clients consider themselves to be financially average.

If you are not on track to obtain 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 live.

Roff Financial Planners

As financial planners, often our next step is to help protect you from spending more than you should 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 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 their mortgage payments, car payments and college for their kids, etc.

That’s why it is most important to focus on this major expense and reduce your taxes as much as possible. We believe that our best 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 truly is that powerful. In a nutshell, this is how our plan works.

You contribute post taxed dollars to the plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you put in pre-taxed dollars, our plan requires you to pay the tax on the money before you contribute it. On the surface this may not seem as good as your IRA or 401(k) but please stay tuned. We will clearly show you how our plan will blow away 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 an illness, an unexpected expense, an unexpected opportunity or investment, college savings or anything at all, you can simply take your money out at any time. We will show you how you will be able to get your funds 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 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 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 option but to rise sharply.

By setting up a Barefoot Retirement Plan you can completely 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 hopes and dreams.

Retirement Planning Roff

The next action we take in our retirement planning is to get you protected from market losses. Second to taxes, stock market losses are the next big thing that can ruin your retirement dreams and keep you working for much longer than you needed 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 their portfolios.

Millions of hard working Americans were just getting ready to retire. When the crash triggered and they lost just about half of everything they had spent a lifetime building up, 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 patented plan you are totally guaranteed not to lose a single cent 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 nicer you could sleep at night knowing that you were totally guaranteed not to lose a dime in stock market declines. This one feature of the plan 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, we 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 Roff

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 program that we offer is that it gives you the option, if you choose 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 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 mainly been used by wealthy families, politicians and mega corporations. Believe me, they certainly know the best ways to protect their funds 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 of our clients choose the blended index option that has a 0% 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 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 that money into ANYTHING under the sun that you wish. You don’t have to seek 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 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 100k and you continue to earn the zero percent to seventeen percent on the entire $100,000 account value.

Additionally you earn whatever return you get on your 80k that you put into your real estate investment. So you are affectively 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 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 could 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.