Temple Financial Advisor – Retirement & Financial Planning Pros 405-418-6266

Financial Advisor Temple

Are you trying to find a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve come to the right place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, congratulations on being smart enough to look for professional help in this most important part of your life.

As you are aware, we only get one chance in life and one chance to get this right. Life goes by way too fast. If we decide to go it alone and come in short of where we should be, it’s often hard to make up for lost results. The longer you hold off on this, the more challenging it will be to fight your way back and achieve your portfolio goals. According to a recent Forbes survey, just 52% of pre-retirees ask for the assistance of a financial advisor or financial planner. The survey also discovered that investors who do ask for professional help have more profitable financial performance than individuals who do not. It’s smart to seek help from a knowledgeable financial advisor.

Many people start with basic questions like: (1) How much savings 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) Is a 401k better than an IRA? The list of questions goes on and on. Money and investing can be very complex and mind boggling sometimes.

We are known for providing simple, proven and very effective financial strategies to help people reach your financial and retirement goals. After all, we realize if a solution it too difficult to learn, it will be too complicated to put in place and monitor and thus will not be acted upon in the first place. That’s why we know to keep things simple.

Financial Planning Temple

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 obtain 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 want to go, you first need to learn 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 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.

Lots of our clients use these very often running various “what it” calculations to see how little edits in their financial planning can impact their end results. The first simple retirement calculator we suggest you begin with could not be any simpler to use. You simply plug in your age, the age you want to retire, the amount you currently have saved for retirement now, how much you contribute on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently getting on your portfolio and the rate of return that you hope you will achieve during your retirement years. It’s that simple. Now you just click the calculate button.

The results of your numbers pull up right away. 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 away you are in funds, years and percentages. If you are not on goal, the calculator will even show you the 4 critical areas that you can make changes to to help you reach your goals. Based on those findings you can go back and key in some different combinations of numbers and keep going back and forth and discover if you can reasonably make changes to obtain your financial goals.

It’s really very fun to do. For most people it’s a real eye-opener. Discovering where you are right now and being honest about your current standings is half the battle.

Note: We work with quite a few high net worth people who love using our plans to grow their portfolios and protect themselves from soaring tax rates, creditors, soaring fees and keeping their funds private and off the Government radar. However, quite a few of our clients consider themselves to be financially average.

If you are not on track to obtain 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.

Temple 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 biggest financial expenditure of their life? 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 to focus on this major cost and reduce your taxes as much as you can. We believe that our primary financial plan that we happen to call The Barefoot Retirement Plan is the single most successful way to protect yourself and save on taxes that’s legally allowed in this great country of ours. It truly is that powerful. In a nutshell, this is how it works.

You put in after taxed dollars to the plan. Yes, unlike an 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 invest it. On the surface this may not seem as good as your IRA or 401(k) but please trust us. 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 the 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 money out at any time. We will show you how you will be able to access your money 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. Yikes! 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 sharply.

By setting up a Barefoot Retirement Plan you can completely 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 Temple

The next task 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 thing that can ruin your retirement dreams and keep you working for much longer than you needed to. Many investors lost upwards of 50% of their money 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 mortgage/housing 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 enter into retirement. When the crash occurred and they lost almost half of everything they had spent a lifetime building up, 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 truly is possible.

With our unique plan you are completely guaranteed not to lose a single dime due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this brings to our clients. Imagine how much easier you could sleep at night knowing that you were 100% guaranteed not to lose a dollar in market declines. This one feature of the plan can make the difference between you having the retirement of your dreams or not.

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 all of your previous gains are locked in and protected from losses. This plan is smart on steroids.

Wealth Management Temple

We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the strong benefits of our unique and patented flagship plan that we offer is that the plan gives you the option, if you want to use it, to leverage your returns and actually earn 2 different returns, on the exact same funds, at the same time. Yes, we know the first time most 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 primarily 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 clients choose our blended index account 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 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 funds from your account. (You have to do this correctly and we’ll show you how), and you can then invest those funds into ANYTHING in the planet that you wish. You don’t have to seek permission from anyone to do this. You are not limited to a list of investment options. You can 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 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 $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 investment. So you are affectively earning 2 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 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.