Valley Brook Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266

Financial Advisor Valley Brook

Are you trying to find a financial advisor to assist with your financial planning and retirement planning? If that’s right, you’ve found the right place. We are Oklahoma City Financial Planning Pros and we are knowledgeable financial advisors. First off, congratulations on being wise enough to seek out professional help in this super important area of your life.

As you are aware, we only get this 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 ought to be, it’s often difficult to make up for lost results. The longer you put this off, the more challenging it will be to catch up and achieve your portfolio goals. According to a recent Forbes survey, just 52% of Americans seek out the assistance of a financial advisor or financial planner. They also found that those who do secure professional help have more profitable financial returns than pre-retirees who do not. It’s really smart to seek help from a knowledgeable financial advisor.

Most people start with basic questions like: (1) How much money do I need to be able to retire? (2) What’s the real difference between a IRA and 401k? (3) How much will I need to retire? (4) What alternative investments can I invest in? (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 specialize in providing simple, proven and very effective financial strategies to help our clients reach your financial and retirement goals. After all, we know if a solution it too complicated to understand, it will be too complicated to implement and review and thus will not be acted upon in the first place. That’s why we know to keep things simple.

Financial Planning Valley Brook

Our first step 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 exceed your financial and retirement goals? Lots of people have no idea in the world. 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.

In our alignment with keeping things simple, 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 really easy to use, yet very effective. Our simple retirement calculators are completely 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 them very often running various “what it” concepts to see how minor tweaks in their financial planning can impact their end results. The first simple retirement calculator we suggest you begin with could not be any easier to use. You simply plug in your age, the age you desire 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 realizing on your investments and the rate of return that you think you will achieve during your retirement years. That’s it. You then just click the calculate button.

The results of your numbers pull up instantly. It will clearly show you if you are on track to reach your retirement goals or not, and if not, it will show 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 4 main areas that you can change to make sure you obtain your goals. Based on the 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 changes to reach your retirement goals.

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

Note: We work with a lot of high net worth individuals who love using our strategies to grow their net worth and protect themselves from soaring tax rates, creditors, soaring fees and keeping their investments private and off the Government grid. However, lots of our clients consider themselves to be pretty 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.

Valley Brook 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 amount most Americans spend on taxes is the single biggest financial cost 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 any other expense.

That’s why it is most important for us to focus on this major cost and reduce your taxes as much as possible. We believe that our best 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 great country of ours. It truly is that powerful. In a nutshell, this is how it works.

You put in after taxed dollars to our plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you invest 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 demonstrate how our plan will significantly out perform these other plans, without a doubt!

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 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 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 big thing. At the time this is being written, Bernie Sanders is running for President. He is suggesting 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 amaze 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 choice but to rise significantly.

By setting up a Barefoot Retirement Plan you can totally 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 plans.

Retirement Planning Valley Brook

The next task we take in successful retirement planning is to get you protected from market losses. Next to taxes, market losses are the next big thing that can ruin 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 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 everything.

Millions of hard working Americans were just getting ready to begin retirement. When the crash occurred and they lost just about 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 strive 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 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 makes possible to our clients. Imagine how much better you could sleep at night knowing that you were guaranteed not to lose a dime in stock market declines. This one feature by itself can make the difference between you having the retirement of your dreams or being devastated.

When you get our plan set up, when the market goes up, you 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. This plan is smart on steroids.

Wealth Management Valley Brook

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 program that we offer is that our plan gives you the option, if you want to use it, to leverage your returns and actually earn 2 different returns, on the same money, 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 promise 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 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 wealthy.

Here is a high level look at how the leveraging option could work. Many of our clients choose our 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 money, and your gains are always locked in. Or, if the value of the indexes goes down 20%, you maintain your 0% 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 $100,000 in your Barefoot Retirement account. That $100,000 earns between 0% 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 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 deal. So you are actually earning two 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 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 could 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.