Rush Springs Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Rush Springs
Are you searching for a financial advisor to help with your financial planning and retirement planning? If so, you’ve found the right place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, congratulations on being wise enough to seek out professional help in this super important area of your life.
As you know, we only get this one chance in life and one chance to get this right. Life goes by far too fast. If we try and 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 delay, the more difficult it will be to fight your way back and reach your retirement goals. According to a recent Forbes survey, only 52% of investors look to get the assistance of a financial advisor or financial planner. The survey also found that those who do obtain professional help have stronger financial gains than investors who do not. It’s good to obtain help from a smart financial advisor.
Lots of people start with basic questions like: (1) How much do I need to retire? (2) What’s the real difference between an Individual Retirement Account and an 401k? (3) How much do I need to save for retirement? (4) What alternative investments can I invest in? (5) Is a 401k better than an IRA? The list of questions goes on and on. Finance and investing can be very complex and mind blowing 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 complex 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 Rush Springs
Our first step 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? Scores of people have no idea in the world. As we know, before you can get to where you want to go, you first need to find out where you are at this time.
With our plan and 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 super easy to use, yet very effective. Our simple retirement calculators are completely 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.
Lots of our clients use them very often running various “what it” scenarios to see how small 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 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 estimate you will achieve during your retirement years. That’s it. Next you just click the calculate button.
The results of your numbers pull up right away. 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 away you are in funds, years and percentages. If you are not on goal, it will even show you the four key areas that you can make changes to to insure 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 to 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 right now and being honest about your current finances is half the battle.
Note: We work with many high net worth individuals who love using our plans to grow their net worth and protect themselves from soaring tax rates, creditors, soaring fees and keeping their money private and off the Government grid. However, quite a few of our clients consider themselves to be mostly average.
If you are not on track to reach your investment 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.
Rush Springs Financial Planners
As financial planners, usually 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 cost of their life time? Most 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 so important to focus on this major cost and reduce your taxes as much as possible. We believe that our main financial program that we happen to call The Barefoot Retirement Plan is the single most effective 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 it works.
You contribute post taxed dollars to the program. Yes, unlike an 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 funds 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 show you how our program will beat the pants off of 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 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 exactly how you will be able to access your funds at any time 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 wanting 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 shock you.) 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 the 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 funds you pull out. This one benefit alone can make or break most people’s retirement dreams.
Retirement Planning Rush Springs
The next task we take in our retirement planning is to get you protected from losing money in the stock market. Second to taxes, market losses are the next big thing that can ruin your retirement dreams and keep you working for much longer than you planned to. Far too many investors lost upwards of 50% of their funds 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 next market crash of 2007/2008 and many investors lost another 40% to 50% of their retirement accounts.
Millions of hard working Americans were just getting ready to retire. When the crash happened and they lost 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 strive to get our clients 100% protected from market losses and crashes, and yes, it actually is possible.
With our unique plan you are completely 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 provides to our clients. Imagine how much better you could sleep at night knowing that you were completely guaranteed not to lose a cent in market declines. This one feature of our 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 plan is smart on steroids.
Wealth Management Rush Springs
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 program gives you the option, if you want 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 people 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 giant 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 rich.
Here is a high level look at how the leveraging option could work. Many clients choose the blended index plan 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 seventeen percent 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 that money 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 can choose to put your money 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 zero percent to seventeen percent each year. Then you decide to borrow 80k 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 0% 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 two 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 plan 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 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 Grady County Call Us Today At: 405-418-6266