Stillwater Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Stillwater
Are you looking for a financial advisor to help with your financial planning and retirement planning? If so, you’ve come to the best place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, congratulations on being smart enough to seek out professional help in this critically important part of your life.
As you already know, we only get one chance in life and one chance to get this right. Life goes by much too fast. If we attempt to go it alone and fall short of where we ought to be, it’s often difficult to make up for lost results. The longer you wait, the harder it will be to make up lost ground and reach your retirement goals. According to a recent Forbes survey, just 52% of individuals look to get the help of a financial advisor or financial planner. They also found that individuals who do use professional help have more successful financial gains than those who do not. It’s smart to obtain help from a good financial advisor.
Most 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 should I save for retirement? (4) Do I need alternative investments? (5) What can I do to insure I never lose money? 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 complicated to understand, it will be too complicated to implement and watch and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Stillwater
Our first step in financial planning and helping you succeed financially is to first get a baseline of where you are today financially. Are you on track to exceed your financial and retirement goals? Lots of people have no idea in the world. As we know, before you can get to where you wish to go, you first need to find out where you are at this time.
With our plan and with keeping things simple, 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 user friendly 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 all the time running various “what it” scenarios to see how little 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 enter in your age, the age you want to retire, the amount you currently have saved for retirement now, how much you invest on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently realizing on your accounts and the rate of return that you wish you will achieve during your retirement years. That’s all there is. You then simply click the calculate button.
The results of your inputs pull up instantly. It will clearly show you if you are on track to obtain 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’re not on track, the calculator will even show you the four key areas that you can change to make sure you reach your goals. Based on your findings you can go back and plug in some different combinations of amounts and keep going back and forth to see if you can reasonably make changes to reach your financial goals.
It’s really much fun to do. For most people it’s a real eye-opener. Finding out where you are right now and being honest about your current finances is half the battle.
Note: We work with quite a few high net worth individuals who love using our plans to grow their net worth and protect themselves from rising tax rates, creditors, soaring fees and keeping their funds private and off the grid. However, quite a few of our clients consider themselves to be financially 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 do.
Stillwater 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 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 on any other single expenditure.
That’s why it is most important to focus on this major cost and reduce your taxes as much as you can. We believe that our primary financial program that we happen to call The Barefoot Retirement Plan is the single best way to protect yourself and save on taxes that is legally allowed in this amazing country of ours. It really is that powerful. In a nutshell, this is how it works.
You invest post taxed dollars to our plan. Yes, unlike your 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 funds before you contribute it. On the surface this may not appear as good as your IRA or 401(k) but please keep an open mind. We will clearly show you how our plan 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 sickness, 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 no 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 advocating 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 amaze you.) It only took us 13 months to go from 18 trillion to 19 trillion. With the way things are going now, 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 funds you pull out. This one benefit alone can make or break most people’s retirement plan.
Retirement Planning Stillwater
The next task we take in our retirement planning is to get you protected from losing money in the stock market. Second to taxes, stock market losses are the next big thing that can end your retirement dreams and keep you working for much longer than you wanted to. Lots of 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 working for, it was devastating. That is why our team at Oklahoma City Financial Planning Pros works so hard every day. We want to get our clients 100% protected from stock market losses and crashes, and yes, it actually is possible.
With our powerful plan you are completely 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 provides to our clients. Imagine how much nicer you could sleep at night knowing that you were completely guaranteed not to lose a cent in stock market declines. This one feature of the plan can make the difference between you having the retirement of your dreams or being devastated.
When you get our plan set up, when the 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. This plan is smart on steroids.
Wealth Management Stillwater
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 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 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 promise 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 mega corporations. Believe me, they certainly 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 our 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 17% on your funds, 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 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 planet 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 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 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 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 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 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 wait. 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 Payne County Call Us Today At: 405-418-6266