The Village Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor The Village
Are you trying to find a financial advisor to help with your financial planning and retirement planning? If so, you’ve come to the right place. We are Oklahoma City Financial Planning Pros and we are smart financial advisors. First off, congrats on being wise enough to look for professional help in this very important area of your life.
As you are aware, we only get one chance at life and one chance to get this right. Life goes by way too fast. If we attempt to go it alone and come in short of where we should be, it’s often challenging to make up for lost results. The longer you wait, the more difficult it will be to come back and obtain your financial goals. According to a recent Forbes survey, just 52% of Americans ask for the assistance of a financial advisor or financial planner. Forbes also revealed that pre-retirees who do use professional help have more profitable financial gains than pre-retirees who do not. It’s wise to get help from a smart financial advisor.
Most people start with basic questions like: (1) How much money do I need to retire? (2) What’s the real difference between an IRA vs 401k? (3) How much should I save for retirement? (4) What about alternative investments? (5) SEP IRA vs ROTH IRA, 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 realize if a solution it too complicated to grasp, it will be too challenging 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 The Village
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 what-so-ever. 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.
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 free to use and they are online, so you can go online and use them at any time it is convenient with you and your schedule.
Lots of our clients use them very often running various “what it” calculations to see how minor changes in their financial planning can impact their total results. The first simple retirement calculator we suggest you start with could not be any simpler to use. You simply key in your age, the age you would like to retire, the amount you currently have saved for retirement now, how much you add to on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently getting on your retirement and the rate of return that you hope you will achieve during your retirement years. It’s that simple. You then just 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 tell 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 key areas that you can make changes to to help you obtain your goals. Based on your findings you can go back and key in some different combinations of amounts and keep going back and forth and find out if you can reasonably make edits to achieve your investment goals.
It’s really very 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 accounts and protect themselves from rising 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 reach 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 do.
The Village 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 dollars most Americans spend on taxes is the single largest financial expenditure of their life? Many 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 so important to focus on this major expenditure 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 most effective way to protect yourself and save on taxes that’s legally allowed in this fantastic country of ours. It truly is that powerful. In a nutshell, this is how our program works.
You contribute 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 demonstrate how our program 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 an illness, an unexpected expense, an unexpected opportunity or investment, college savings or anything under the sun, you can simply take your funds out at any time. We will show you exactly how you will be able to take out your funds at any time with no 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 such a powerful 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 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 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 The Village
The next action we take in our retirement planning is to get you protected from losing money in the market. Second to taxes, stock market losses are the next big issue that can ruin your retirement dreams and keep you working for much longer than you needed to. Large numbers of 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 everything.
Millions of hard working Americans were just getting ready to enter into retirement. When the crash happened 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 want 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 completely guaranteed not to lose a single penny due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this provides to our clients. Imagine how much easier you could sleep at night knowing that you were 100% guaranteed not to lose a cent in 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 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. Our unique plan is smart on steroids.
Wealth Management The Village
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 want to use it, to leverage your returns and actually earn two different returns, on the exact 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 assure 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 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 average investor and not just the rich.
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 20% in a given year, you earn seventeen percent 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 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 seek 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 $100,000 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 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 0% 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 actually 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 patented plan but we are limited in space here. The best way to get more information on this program 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 put this off. 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 Oklahoma County Call Us Today At: 405-418-6266