Velma Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Velma
Are you in search of a financial advisor to assist with your financial planning and retirement planning? If so, you’ve found the best place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First off, congratulations on being wise enough to seek out professional help in this most important part of your life.
As you are aware, we only get this one chance at 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 need 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 make up lost ground and reach your financial goals. According to a recent Forbes survey, only 52% of investors look to get the help of a financial advisor or financial planner. They also found that pre-retirees who do seek out professional help have more successful financial results than those who do not. It’s good to obtain help from a good 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 do I need to save for retirement? (4) Do I need alternative investments? (5) Do I need life insurance? The list of questions goes on and on. Finance and investing can be very complex and mind blowing sometimes.
We pride ourselves on 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 complex to learn, it will be too complicated to set up and review and thus will not be acted upon in the first place. That’s why we like to keep things simple.
Financial Planning Velma
Our first step 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 achieve your financial and retirement goals? Scores of people have no idea at all. As we know, before you can get to where you wish to go, you first need to determine where you are at this time.
With our plan and 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 go online and use them at any time it is convenient with you and your schedule.
Lots of our clients use them all the time running various “what it” scenarios to see how minor 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 type in your age, the age you wish to retire, the amount you currently have saved for retirement now, how much you put in 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 wish you will achieve during your retirement years. That’s it. You then just click the calculate button.
The results of your numbers pull up right away. It will show you if you are on track to achieve 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’re not on goal, the retirement calculator will even show you the 4 key areas that you can change to insure you reach your goals. Based on those findings you can go back and enter in some different combinations of amounts and keep going back and forth and find out if you can reasonably make adjustments to reach your goals.
It’s really quite fun to do. For most people it’s a real shocker. Finding out where you are right now and being honest about your current situation 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 soaring tax rates, creditors, soaring fees and keeping their money private and off the Government grid. However, most of our clients consider themselves to be financially average.
If you are not on track to reach 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.
Velma Financial Planners
As financial planners, most often 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 biggest financial cost of their life? Most people have no clue, yet it is true for most of us. The average American spends more on taxes than they do on their mortgage payments, car payments and college for their kids, etc.
That’s why it is so important for us to focus on this major expenditure and reduce your taxes as much as possible. We believe that our top financial program that we happen to call The Barefoot Retirement Plan is the single best 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 it works.
You contribute post taxed dollars to the program. 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 funds before you invest it. On the surface this may not appear as good as your IRA or 401(k) but please keep an open mind. We will clearly show you 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 the funds for any reason at all like an illness, an unexpected expense, an unexpected opportunity or investment, college savings or anything at all, 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 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 powerful thing. At the time this is being written, Bernie Sanders is running for President. He is suggesting 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 at this time, 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 Velma
The next action we take in successful retirement planning is to get you protected from market losses. Next to taxes, stock market losses are the next big issue that can end your retirement dreams and keep you working for much longer than you needed to. Lots of investors lost upwards of 50% of their money 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 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 occurred 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 want to get our clients 100% protected from market losses and crashes, and yes, it truly is possible.
With our patented plan you are totally guaranteed not to lose a single dime due to market downturns, losses or crashes. I cannot even begin to express to you how much peace of mind this brings to our clients. Imagine how much easier 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, 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 Velma
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 it gives you the option, if you want to use it, to leverage your returns and actually earn two different returns, on the exact same money, 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 this is squeaky clean and as legal as legal gets.
Until recently plans like ours have mostly been used by wealthy families, politicians and giant corporations. Believe me, they 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 rich.
Here is a high level look at how the leveraging option could work. Many clients choose our blended index option 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 17% on your account, 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 money 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 100k earns between zero percent to seventeen percent each year. Then you decide to borrow 80k 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 100k and you continue to earn the 0% to 17% on the entire 100k account value.
Additionally you earn whatever return you get on your 80k that you put into your real estate investment. So you are affectively earning two 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 unique 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 hesitate. 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 Stephens County Call Us Today At: 405-418-6266