Tribbey Financial Planning & Retirement Planning – Financial Advisor 405-418-6266

Financial Advisor Tribbey

Are you searching for a financial advisor to assist 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 top notch financial advisors. First off, congrats on being brilliant enough to search for professional help in this critically important part of your life.

As you already know, 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 challenging to make up for lost ground. The longer you delay, the harder it will be to fight your way back and reach your retirement goals. According to a recent Forbes survey, just 52% of pre-retirees seek out the help of a financial advisor or financial planner. They also found that those who do secure professional help have better financial gains than individuals who do not. It’s really smart to get help from a smart 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 will I need to retire? (4) What’s the story on alternative investments? (5) 401k vs ROTH IRA, which is better? The list of questions goes on and on. Money and investing can be very complex and mind blowing sometimes.

We pride ourselves on providing simple, proven and very effective financial strategies to help you reach your financial and retirement goals. After all, we realize if a solution it too complex to grasp, it will be too challenging to use and review and thus will not be acted upon in the first place. That’s why we keep things simple.

Financial Planning Tribbey

Our first goal in financial planning and helping you reach your financial goals is to first get a benchmark 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, 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 easy, 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 simple and easy to use, yet very effective. Our simple retirement calculators are 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” calculations to see how small shifts 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 key in your age, the age you want to retire, the amount you currently have saved for retirement now, how much you put in on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently earning on your investments and the rate of return that you believe you will achieve during your retirement years. It’s that easy. Now you just click the calculate button.

The results of your numbers pull up immediately. It will tell you if you are on track to reach your retirement goals or not, and if not, it will tell you exactly how far away you are in funds, years and percentages. If you are not on track, the retirement calculator will even show you the four key areas that you can change to insure you reach your goals. Based on your findings you can go back and enter in some different combinations of amounts and keep going back and forth and see if you can reasonably make edits to achieve your goals.

It’s really very fun to do. For most people it’s a real shocker. Finding out 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 clients who love using our plans to grow their portfolios and protect themselves from rising tax rates, creditors, soaring fees and keeping their accounts private and off the Government radar. However, lots of our clients consider themselves to be financially average.

If you are not on track to achieve 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 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.

Tribbey 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 believe will be, future tax rate increases. Did you know that the dollars most Americans spend on taxes is the single biggest 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 on any other single expenditure.

That’s why it is so important for us to focus on this major expenditure and reduce your taxes as much as you can. We believe that our top financial plan that we happen to call The Barefoot Retirement Plan is the single most effective 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 it works.

You put in after taxed dollars to the program. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you put in 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 appear as good as your IRA or 401(k) but please stay tuned. We will clearly show you how our program will out perform 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 savings or anything at all, you can simply take your funds out at any time. We will show you exactly 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, 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 wanting 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 shock you.) 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 sharply.

By setting up a Barefoot Retirement Plan you can totally 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 hopes and dreams.

Retirement Planning Tribbey

The next step 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 event that can crush 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 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 begin retirement. When the crash triggered 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 work to get our clients 100% protected from stock market losses and crashes, and yes, it actually is possible.

With our powerful plan you are totally 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 brings to our clients. Imagine how much deeper you could sleep at night knowing that you were totally guaranteed not to lose a penny in stock market declines. This one feature of our plan can make the difference between you having the retirement of your dreams or not.

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

Wealth Management Tribbey

We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the amazing benefits of our unique and patented flagship plan that we offer is that our plan 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 people hear this, it sounds too good to be true and may even question if it is legal. We promise 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 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 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 plan that has a zero percent floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up 20% in a given year, you earn seventeen percent on your account, 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 those funds into ANYTHING in the world 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 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 $80,000 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 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 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 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 would 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.