Turley Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Turley
Are you looking for a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve come to the best place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First off, congrats on being smart enough to search for professional help in this super important part of your life.
As you are aware, we only get one chance at life and one chance to do this right. Life goes by much too fast. If we try and go it alone and fall short of where we ought to be, it’s often challenging to make up for lost funds. The longer you put this off, the more challenging it will be to come back and achieve your financial goals. According to a recent Forbes survey, just 52% of investors seek out the help of a financial advisor or financial planner. Forbes also revealed that individuals who do use professional help have stronger financial performance than pre-retirees who do not. It’s really smart to find help from a knowledgeable financial advisor.
Lots of people start with basic questions like: (1) How much money do I need to retire? (2) What’s the real difference between a IRA and 401k? (3) How much will I need to retire? (4) What’s the story on alternative investments? (5) Do I need life insurance? The list of questions goes on and on. Finances and investing can be very complex and mind blowing sometimes.
We pride ourselves on providing simple, proven and very effective financial strategies to help investors reach your financial and retirement goals. After all, we realize if a solution it too complex to grasp, it will be too difficult to put in place and review and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Turley
Our first step in financial planning and helping you reach your financial goals is to first get a starting point of where you are today financially. Are you on track to achieve your financial and retirement goals? Most people have no idea at all. As we understand, before you can get to where you want to go, you first need to learn where you are at this time.
In our alignment with keeping things simple, we have developed a series of our own, custom retirement calculators like; a retirement savings calculator, a retirement planning calculator and various retirement planning tools that are super 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.
Lots of our clients use these frequently running various “what it” concepts to see how little edits in their financial planning can impact their overall results. The first simple retirement calculator we suggest you start with could not be any easier to use. You simply plug 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 yearly income during your retirement years, the approximate rate of return you are currently earning on your investments and the rate of return that you hope you will achieve during your retirement years. It’s that easy. You then just click the calculate button.
The results of your numbers pull up right away. 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 away you are in funds, years and percentages. If you are not on track, it will even show you the 4 main areas that you can make changes to to be sure you reach your goals. Based on your findings you can go back and plug in some different combinations of numbers and keep going back and forth to see if you can reasonably make edits to obtain your retirement goals.
It’s really much fun to do. For most people it’s a real shocker. Knowing 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 accounts 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 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 do.
Turley 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 think will be, future tax rate increases. Did you know that the dollars most Americans spend on taxes is the single largest financial expense 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 expense and reduce your taxes as much as possible. We believe that our flagship 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’s legally allowed in this fantastic country of ours. It really is that powerful. In a nutshell, this is how our plan works.
You put in 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 plan requires you to pay the tax on the money before you invest it. On the surface this may not appear as good as your IRA or 401(k) but please keep reading. We will clearly demonstrate how our plan will significantly out perform 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 exactly how you will be able to get 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 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 now, most experts believe that our future tax rates will have no option but to rise significantly.
By setting up a Barefoot Retirement Plan you can completely protect yourself from having to pay any taxes on the money you pull out. This one benefit alone can make or break most people’s retirement hopes and dreams.
Retirement Planning Turley
The next task we take in our retirement planning is to get you protected from market losses. Next to taxes, market losses are the next big thing that can end your retirement dreams and keep you working for much longer than you wanted to. Far too many investors lost upwards of 50% of their funds in the Dot Com crash of 2000. Then, just as soon as many 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 portfolios.
Millions of hard working Americans were just getting ready to retire. When the crash triggered 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 work to get our clients 100% protected from market losses and crashes, and yes, it actually is possible.
With our powerful plan you are completely guaranteed not to lose a single cent 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 nicer you could sleep at night knowing that you were totally guaranteed not to lose a penny in market declines. This one feature by itself 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 your previous gains are locked in and protected from losses. Our plan is smart on steroids.
Wealth Management Turley
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the strong benefits of our unique and patented flagship plan that we offer is that it gives you the option, if you want to use it, to leverage your returns and actually earn 2 different returns, on the 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 huge corporations. Believe me, they 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 main stream and not just the wealthy.
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 twenty percent 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 zero percent 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 planet 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 funds 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 100k earns between zero percent to seventeen percent each year. Then you decide to borrow $80,000 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 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 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 powerful 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 could 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.
For The Best Financial And Retirement Planning In Tulsa County Call Us Today At: 405-418-6266