Sterling Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Sterling
Are you trying to find a financial advisor to assist 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 top notch financial advisors. First of all, congratulations on being brilliant 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 way too fast. If we decide to go it alone and come in short of where we need to be, it’s often challenging to make up for lost ground. The longer you put this off, the harder it will be to catch up and achieve your retirement goals. According to a recent Forbes survey, only 52% of individuals seek out the assistance of a financial advisor or financial planner. The survey also found that people who do look for professional help have better financial returns than investors who do not. It’s smart to find help from a good financial advisor.
Most people start with basic questions like: (1) How much savings do I need to retire? (2) What’s the real difference between a IRA and 401k? (3) How much do I need to save for retirement? (4) What’s the story on alternative investments? (5) How can I save on taxes? The list of questions goes on and on. Money and investing can be very complex and mind boggling sometimes.
We focus on providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we know if a solution it too complex to grasp, it will be too difficult to use and review and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Sterling
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 obtain your financial and retirement goals? Scores of people have no idea what-so-ever. As we know, before you can get to where you want to go, you first need to find out where you are right now.
With our plan and 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 quick and easy to use, yet very effective. Our simple retirement calculators are free to use and they are online, so you can access and use them at any time it is convenient with you and your schedule.
Many of our clients use these very often running various “what it” scenarios to see how small shifts in their financial planning can impact their net results. The first simple retirement calculator we suggest you use could not be any easier to use. You simply enter 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 annual income during your retirement years, the approximate rate of return you are currently getting on your accounts and the rate of return that you believe you will achieve during your retirement years. It’s that simple. Now you just click the calculate button.
The results of your inputs pull up immediately. It will tell you if you are on track to achieve your retirement goals or not, and if not, it will tell you exactly how far off you are in funds, years and percentages. If you are not on goal, the retirement calculator will even show you the four critical areas that you can change to be sure you obtain your goals. Based on the findings you can go back and type in some different combinations of numbers and keep going back and forth and discover if you can reasonably make changes to achieve your investment goals.
It’s really quite fun to do. For most people it’s a real eye-opener. Discovering where you are now and being honest about your current standings is half the battle.
Note: We work with many high net worth individuals who love using our strategies to grow their funds and protect themselves from soaring tax rates, creditors, soaring fees and keeping their accounts private and off the Government radar. However, many 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 live.
Sterling 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 amount most Americans spend on taxes is the single largest financial expenditure of their life? 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 expense and reduce your taxes as much as you can. We believe that our flagship financial plan that we happen to call The Barefoot Retirement Plan is the single best way to protect yourself and save on taxes that’s legally allowed in this amazing country of ours. It really is that powerful. In a nutshell, this is how it works.
You invest after taxed dollars to the program. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our program requires you to pay the tax on the money before you invest it. On the surface this may not look as good as your IRA or 401(k) but please keep an open mind. We will clearly show you how our plan will out perform 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 sickness, an unexpected expense, an unexpected opportunity or investment, university savings or anything under the sun, you can simply take your money out at any time. We will show you how you will be able to take out your money 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 big thing. 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 shock you.) 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 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 plan.
Retirement Planning Sterling
The next step we take in successful retirement planning is to get you protected from losing money in the stock market. Second to taxes, stock market losses are the next big event that can crush your retirement dreams and keep you working for much longer than you hoped to. Large numbers of investors lost upwards of 50% of their accounts 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 retirement accounts.
Millions of hard working Americans were just getting ready to retire. When the crash occurred and they lost about half of everything they had spent a lifetime working for, it was devastating. That is why the 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 one-of-a-kind 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 deeper you could sleep at night knowing that you were guaranteed not to lose a dollar in stock market declines. This one feature by itself 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 Sterling
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 our program gives you the option, if you want 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 people 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 mostly been used by wealthy families, politicians and giant corporations. Believe me, they do 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 account that has a zero percent 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 funds from your account. (You have to do this correctly and we’ll show you how), and you can then invest that money into ANYTHING in the world 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 funds into anything you want or need to, no problem.
Let’s use an example. Say you have $100,000 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 profitable 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 80k that you put into your real estate deal. So you are affectively 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 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 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 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 Comanche County Call Us Today At: 405-418-6266