Stratford Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Stratford
Are you seeking 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, congrats on being brilliant enough to search for professional help in this critically important part of your life.
As you are aware, we only get this one chance in life and one chance to get this right. Life goes by way too fast. If we attempt to go it alone and fall short of where we should be, it’s often hard to make up for lost growth. The longer you delay, the more challenging it will be to come back and obtain your financial goals. According to a recent Forbes survey, only 52% of investors seek out the help of a financial advisor or financial planner. They also found that individuals who do secure professional help have more successful financial performance than individuals who do not. It’s good to find help from a smart financial advisor.
Many people start with basic questions like: (1) How much do I need to retire? (2) What’s the real difference between a IRA and 401k? (3) How much should I save for retirement? (4) What about alternative investments? (5) ROTH IRA vs 401(k), which is better? The list of questions goes on and on. Finance and investing can be very complex and mind blowing sometimes.
We specialize in 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 complicated to learn, it will be too difficult to use and review and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Stratford
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 achieve your financial and retirement goals? Many people have no idea in the world. As we understand, before you can get to where you want to go, you first need to discover where you are at this time.
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 user friendly to use, yet very effective. Our simple retirement calculators are completely free to use and they are online, so you can log on 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 small shifts in their financial planning can impact their net results. The first simple retirement calculator we suggest you use could not be any simpler to use. You simply type 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 realizing on your accounts and the rate of return that you wish you will achieve during your retirement years. That’s it. Next you just click the calculate button.
The results of your numbers pull up instantly. It will tell you if you are on track to obtain 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 are not on goal, the calculator will even show you the four main areas that you can change to insure you obtain your goals. Based on your findings you can go back and type in some different combinations of amounts and keep going back and forth and see if you can reasonably make edits to obtain your investment goals.
It’s really much 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 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 mostly average.
If you are not on track to obtain your goals, please don’t be discouraged. Today 61% of Americans fear running out of money during retirement more than they fear death itself! Our objective 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.
Stratford 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 believe will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single largest financial expense 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 single 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 top financial program that we happen to call The Barefoot Retirement Plan is the single most powerful way to protect yourself and save on taxes that is legally allowed in this great country of ours. It really is that powerful. In a nutshell, this is how our program works.
You invest post taxed dollars to the plan. Yes, unlike an IRA and 401(k) (which are called qualified plans) where you contribute pre-taxed dollars, our program requires you to pay the tax on the money before you put them in. 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 plan 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 sickness, an unexpected expense, an unexpected opportunity or investment, college 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 access your funds at any time you wish 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 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 now, 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 completely protect yourself from needing to pay any taxes on the money you pull out. This one benefit alone can make or break most people’s retirement plans.
Retirement Planning Stratford
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 thing that can end your retirement dreams and keep you working for much longer than you hoped to. Lots of investors lost upwards of 50% of their accounts 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 money.
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 creating, 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 market losses and crashes, and yes, it really is possible.
With our powerful plan you are 100% 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 gives to our clients. Imagine how much easier you could sleep at night knowing that you were totally guaranteed not to lose a cent in stock market declines. This one feature of The Barefoot Retirement 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 market goes up, you 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 unique plan is smart on steroids.
Wealth Management Stratford
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 plan that we offer is that our program gives you the option, if you choose 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 mainly been used by wealthy families, politicians and mega corporations. Believe me, they do know the best ways to protect their wealth from taxes and losses. That’s why they use these plans so widely. Now these plans are more available to the average person and not just the wealthy.
Here is a high level look at how the leveraging option could work. Many clients choose our blended index option that has a 0% 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 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 those funds 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 $100,000 earns between zero percent 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 100k and you continue to earn the 0% to seventeen percent on the entire 100k 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 unique 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 may 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 Garvin County Call Us Today At: 405-418-6266