Schulter Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Schulter
Are you searching for a financial advisor to help with your financial planning and retirement planning? If so, you’ve found the best place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First of all, congratulations on being smart enough to seek 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 far too fast. If we attempt to go it alone and come in short of where we ought to be, it’s often difficult to make up for lost growth. The longer you delay, the harder it will be to catch up and obtain your retirement goals. According to a recent Forbes survey, only 52% of Americans look to get the assistance of a financial advisor or financial planner. Forbes also discovered that those who do ask for professional help have more successful financial gains than people who do not. It’s wise to find help from a knowledgeable financial advisor.
Many people start with basic questions like: (1) How much money 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 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 focus on providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we know if a solution it too complicated to learn, it will be too difficult to put in place and review and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Schulter
Our first goal in financial planning and helping you succeed financially is to first get a starting point of where you are today financially. Are you on track to achieve your financial and retirement goals? Scores of people have no idea what-so-ever. As we know for sure, before you can get to where you need to go, you first need to learn where you are right now.
In our alignment with keeping things easy, 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 really 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.
Many of our clients use these frequently running various “what it” ideas to see how small edits in their financial planning can impact their overall 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 desire to retire, the amount you currently have saved for retirement now, how much you invest on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently realizing on your investments and the rate of return that you wish you will achieve during your retirement years. It’s that easy. Next you just click the calculate button.
The results of your numbers pull up right away. It will clearly show you if you are on track to achieve 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’re not on goal, the calculator will even show you the 4 main areas that you can change to make sure you reach your goals. Based on those findings you can go back and type in some different combinations of amounts and keep going back and forth and find out if you can reasonably make changes to obtain your investment goals.
It’s really quite fun to do. For most people it’s a real shocker. Finding out where you are now and being honest about your current finances is half the battle.
Note: We work with quite a few high net worth clients who love using our strategies to grow their net worth and protect themselves from soaring tax rates, creditors, soaring fees and keeping their funds private and off the radar. However, lots 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 last.
Schulter 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 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 any other expense.
That’s why it is so important for us to focus on this major cost and reduce your taxes as much as possible. We believe that our top 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 is legally allowed in this fantastic country of ours. It really is that powerful. In a nutshell, this is how our plan works.
You put in post taxed dollars to the program. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you contribute 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 program will blow away 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, college 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 get 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 so powerful. At the time this is being written, Bernie Sanders is running for President. He is suggesting 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 choice but to rise significantly.
By setting up a Barefoot Retirement Plan you can totally 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 Schulter
The next step we take in successful 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 destroy your retirement dreams and keep you working for much longer than you needed to. Far too 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 next 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 triggered and they lost just 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 strive to get our clients 100% protected from market losses and crashes, and yes, it truly is possible.
With our patented plan you are totally 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 better you could sleep at night knowing that you were completely guaranteed not to lose a penny in market declines. This one feature alone 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. This plan is smart on steroids.
Wealth Management Schulter
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 the plan gives you the option, if you choose to use it, to leverage your returns and actually earn two different returns, on the same funds, 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 guarantee you this 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 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 our 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 funds, and your gains are always locked in. Or, if the value of the indexes goes down 20%, you maintain your zero percent floor and suffer 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 can 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 100k earns between 0% to 17% 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 zero percent to seventeen percent on the entire $100,000 account value.
Additionally you earn whatever return you get on your $80,000 that you put into your real estate investment. So you are actually earning two different returns on the same money 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 powerful 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 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 could 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 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 Okmulgee County Call Us Today At: 405-418-6266