Tuttle Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Tuttle
Are you looking for a financial advisor to assist with your financial planning and retirement planning? If so, you’ve arrived at the best place. We are Oklahoma City Financial Planning Pros and we are knowledgeable financial advisors. First off, congrats on being smart enough to look for professional help in this super important area of your life.
As you are aware, we only get one chance in life and one chance to do this right. Life goes by way too fast. If we try and go it alone and come in short of where we should be, it’s often difficult to make up for lost funds. The longer you wait, the harder it will be to catch up and obtain your portfolio goals. According to a recent Forbes survey, just 52% of individuals seek out the help of a financial advisor or financial planner. The survey also found that pre-retirees who do obtain professional help have more profitable financial gains than people who do not. It’s wise to get help from a good 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 alternative investments can I invest in? (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 blowing sometimes.
We are known for providing simple, proven and very effective financial strategies to help 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 monitor and thus will not be acted upon in the first place. That’s why we know to keep things simple.
Financial Planning Tuttle
Our first goal 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 reach your financial and retirement goals? Most people have no idea in the world. As we understand, before you can get to where you wish to go, you first need to discover 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 totally 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 these all the time running various “what it” ideas to see how small tweaks in their financial planning can impact their overall results. The first simple retirement calculator we suggest you begin with could not be any easier to use. You simply type 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 retirement and the rate of return that you wish you will achieve during your retirement years. It’s that simple. Then you simply 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 off you are in funds, years and percentages. If you are not on goal, the retirement calculator will even show you the four key areas that you can change to be sure you obtain your goals. Based on those findings you can go back and enter in some different combinations of numbers and keep going back and forth to see if you can reasonably make adjustments to obtain your financial goals.
It’s really quite 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 quite a few high net worth clients who love using our strategies to grow their accounts and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the Government grid. However, quite a few of our clients consider themselves to be pretty average.
If you are not on track to achieve 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 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.
Tuttle 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 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 most important for us to focus on this major expense and reduce your taxes as much as you can. We believe that our best financial program 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 fantastic country of ours. It really is that powerful. In a nutshell, this is how our program works.
You contribute post taxed dollars to The Barefoot Retirement Plan. 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 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 out perform these other plans, without a doubt!
You funds then grow tax differed within your account. If you need the funds for any reason at all like emergency, an unexpected expense, an unexpected opportunity or investment, university 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 get your money at any time you wish with no 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 shock you.) It only took us 13 months to go from 18 trillion to 19 trillion. With the way things are going at this time, most experts believe that our 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 hopes and dreams.
Retirement Planning Tuttle
The next task we take in our retirement planning is to get you protected from market losses. Next to taxes, stock 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 soon as most 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 their money.
Millions of hard working Americans were just getting ready to begin retirement. When the crash triggered and they lost almost half of everything they had spent a lifetime creating, 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 truly is possible.
With our powerful plan you are 100% guaranteed not to lose a single dollar 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 nicer 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 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. This plan is smart on steroids.
Wealth Management Tuttle
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 program that we offer is that it gives you the option, if you want to use it, to leverage your returns and actually earn two different returns, on the 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 assure you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have mainly been used by wealthy families, politicians and huge corporations. Believe me, they do 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 main stream and not just the wealthy.
Here is a high level look at how the leveraging option could work. Many of our clients choose the blended index option that has a zero percent 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 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 have 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 under the sun 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 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 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 sweet 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 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 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 Grady County Call Us Today At: 405-418-6266