Stroud Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Stroud
Are you trying to find a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve found the best place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First of all, congrats on being wise enough to seek out professional help in this critically important area of your life.
As you know, we only get this one chance in life and one chance to do this right. Life goes by far too fast. If we try and go it alone and come in short of where we should be, it’s often hard to make up for lost growth. The longer you hold off on this, the more difficult it will be to come back and obtain your financial goals. According to a recent Forbes survey, just 52% of people look to get the help of a financial advisor or financial planner. Forbes also revealed that pre-retirees who do seek professional help have stronger financial returns than pre-retirees who do not. It’s wise to get help from a experienced financial advisor.
Lots of people start with basic questions like: (1) How much do I need to retire? (2) How much to save for retirement? (3) How much do I need to 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. Finances and investing can be very complex and mind boggling sometimes.
We are known for providing simple, proven and very effective financial strategies to help you reach your financial and retirement goals. After all, we know if a solution it too complex to learn, it will be too challenging to put in place and review and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Stroud
Our first step 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 exceed your financial and retirement goals? Lots 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 determine 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 simple and easy to use, yet very effective. Our simple retirement calculators are totally 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 them all the time running various “what it” scenarios to see how minor changes 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 type in your age, the age you would like 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 earning on your accounts and the rate of return that you hope you will achieve during your retirement years. That’s it. Now you just click the calculate button.
The results of your numbers pull up instantly. It will clearly show you if you are on track to reach 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’re not on goal, the retirement calculator will even show you the 4 critical areas that you can change to help you reach your goals. Based on those findings you can go back and enter in some different combinations of numbers and keep going back and forth and discover if you can reasonably make adjustments to achieve your retirement goals.
It’s really quite fun to do. For most people it’s a real shocker. Discovering where you are now and being honest about your current standings is half the battle.
Note: We work with many high net worth clients who love using our plans to grow their net worth and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts private and off the Government grid. However, many 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 live.
Stroud 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 largest financial expense of their life time? Lots of people have no clue, 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 most important to focus on this major expense and reduce your taxes as much as possible. We believe that our flagship 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’s legally allowed in this great country of ours. It really is that powerful. In a nutshell, this is how our program works.
You contribute post taxed dollars to the plan. 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 put them in. On the surface this may not seem as good as your IRA or 401(k) but please keep an open mind. We will clearly show you 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 savings or anything at all, you can simply take your money out at any time. We will show you exactly 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, 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 wanting 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 shock 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 the future tax rates will have no choice but to rise significantly.
By setting up a Barefoot Retirement Plan you can 100% 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 Stroud
The next task we take in our retirement planning is to get you protected from losing money in the market. Next to taxes, market losses are the next big cause that can destroy your retirement dreams and keep you working for much longer than you planned to. Lots of 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 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 happened and they lost just 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 want to get our clients 100% protected from stock market losses and crashes, and yes, it really is possible.
With our unique plan you are totally guaranteed not to lose a single cent due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this gives to our clients. Imagine how much deeper you could sleep at night knowing that you were guaranteed not to lose a dime in 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 stock 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. Our plan is smart on steroids.
Wealth Management Stroud
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the amazing benefits of our unique and patented flagship program that we offer is that it gives you the option, if you wish 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 you 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 primarily been used by wealthy families, politicians and giant 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 investor and not just the rich.
Here is a high level look at how the leveraging option could work. Many clients choose the blended index option that has a 0% floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up twenty percent in a given year, you earn seventeen percent on your money, and your gains are always locked in. Or, if the value of the indexes goes down twenty percent, you maintain your 0% floor and experience 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 in the planet 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 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 seventeen percent 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 100k and you continue to earn the zero percent to 17% on the entire 100k account value.
Additionally you earn whatever return you get on your $80,000 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 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 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 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 Lincoln County Call Us Today At: 405-418-6266