Ryan Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Ryan
Are you in search of a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve found the most perfect place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First off, congrats on being smart enough to search for professional help in this super important area of your life.
As you already know, we only get one chance at life and one chance to make this right. Life goes by much too fast. If we attempt to go it alone and fall short of where we should be, it’s often challenging to make up for lost growth. The longer you hold off on this, the more challenging it will be to make up lost ground and achieve your financial goals. According to a recent Forbes survey, just 52% of people look to get the assistance of a financial advisor or financial planner. Forbes also discovered that those who do obtain professional help have more successful financial returns than people who do not. It’s smart to get help from a good financial advisor.
Lots of people start with basic questions like: (1) How much money do I need to be able to retire? (2) How much money do you need to retire? (3) How much will I need to retire? (4) What about alternative investments? (5) Do I need life insurance? 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 our clients reach your financial and retirement goals. After all, we realize if a solution it too difficult to grasp, it will be too difficult to implement and monitor and thus will not be acted upon in the first place. That’s why we like to keep things simple.
Financial Planning Ryan
Our first goal in financial planning and helping you succeed financially is to first get a benchmark of where you are today financially. Are you on track to exceed your financial and retirement goals? Scores of people have no idea in the world. As we know for sure, before you can get to where you wish to go, you first need to find out where you are right now.
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 user friendly to use, yet very effective. Our simple retirement calculators are free to use and they are online, so you can go online 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 little 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 annual income during your retirement years, the approximate rate of return you are currently realizing on your retirement and the rate of return that you estimate you will achieve during your retirement years. That’s it. You then simply 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 tell you exactly how far away you are in funds, years and percentages. If you are not on goal, it will even show you the 4 critical areas that you can change to be sure you obtain your goals. Based on the findings you can go back and plug in some different combinations of amounts and keep going back and forth and see if you can reasonably make changes to obtain your retirement goals.
It’s really very fun to do. For most people it’s a real shocker. Discovering 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 funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts private and off the radar. However, most of our clients consider themselves to be financially 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 last.
Ryan Financial Planners
As financial planners, usually our next step is to help protect you from spending more than you need to on taxes and also protect you from what we think will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single biggest 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 on any other expenditure
That’s why it is so 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 successful way to protect yourself and save on taxes that’s legally allowed in this great country of ours. It really is that powerful. In a nutshell, this is how it works.
You contribute post taxed dollars to The Barefoot Retirement Plan. Yes, unlike an 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 invest it. On the surface this may not look as good as your IRA or 401(k) but please trust us. We will clearly demonstrate how our program will beat the pants off of 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 emergency, 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 access 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 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 our future tax rates will have no option but to rise significantly.
By setting up a Barefoot Retirement Plan you can 100% 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 Ryan
The next action we take in our retirement planning is to get you protected from losing money in the market. Second to taxes, market losses are the next big issue that can end your retirement dreams and keep you working for much longer than you needed to. Many investors lost upwards of 50% of their accounts 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 begin retirement. When the crash triggered and they lost about 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 market losses and crashes, and yes, it truly is possible.
With our unique plan you are 100% guaranteed not to lose a single dollar due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this brings to our clients. Imagine how much better you could sleep at night knowing that you were 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 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 all of your previous gains are locked in and protected from losses. Our plan is smart on steroids.
Wealth Management Ryan
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the powerful benefits of our unique and patented flagship program that we offer is that our plan gives you the option, if you choose to use it, to leverage your returns and actually earn 2 different returns, on the 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 guarantee you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have mainly been used by wealthy families, politicians and giant corporations. Believe me, they 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 main stream and not just the rich.
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 zero percent 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 have 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 ask 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 100k in your Barefoot Retirement account. That 100k earns between zero percent to 17% each year. Then you decide to borrow 80k 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 100k and you continue to earn the zero percent 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 deal. 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 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 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 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 Jefferson County Call Us Today At: 405-418-6266