Verden Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Verden
Are you in search of a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve come to the perfect place. We are Oklahoma City Financial Planning Pros and we are experienced financial advisors. First of all, congrats on being wise enough to seek out professional help in this most important area 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 decide to go it alone and fall short of where we should be, it’s often hard to make up for lost ground. The longer you hold off on this, the more challenging it will be to fight your way back and reach your portfolio goals. According to a recent Forbes survey, just 52% of investors look to get the help of a financial advisor or financial planner. The survey also discovered that individuals who do seek out professional help have more successful financial gains than people who do not. It’s really smart to seek help from a smart financial advisor.
Many 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 an IRA vs 401k? (3) How much do I need to save for retirement? (4) What’s the story on alternative investments? (5) Is a 401k better than an IRA? The list of questions goes on and on. Money and investing can be very complex and mind boggling 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 know if a solution it too complicated to understand, it will be too complicated to set up and monitor and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Verden
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 obtain your financial and retirement goals? Scores of people have no idea what-so-ever. As we know for sure, before you can get to where you wish to go, you first need to learn where you are at this time.
With our plan and with keeping things simple, 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 totally 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 all the time running various “what it” calculations to see how little tweaks in their financial planning can impact their net results. The first simple retirement calculator we suggest you use could not be any simpler to use. You simply plug in your age, the age you want to retire, the amount you currently have saved for retirement now, how much you add to 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. It’s that simple. Then you simply click the calculate button.
The results of your inputs pull up instantly. It will tell you if you are on track to obtain 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’re not on goal, the retirement calculator will even show you the 4 critical areas that you can make changes to to insure you reach your goals. Based on the findings you can go back and key in some different combinations of numbers and keep going back and forth and find out if you can reasonably make changes to achieve your retirement goals.
It’s really very fun to do. For most people it’s a real shocker. Knowing 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 clients who love using our plans to grow their funds and protect themselves from soaring tax rates, creditors, soaring fees and keeping their funds private and off the grid. However, many of our clients consider themselves to be financially average.
If you are not on track to reach 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 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.
Verden Financial Planners
As financial planners, often 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 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 is legally allowed in this amazing country of ours. It truly is that powerful. In a nutshell, this is how it works.
You invest after taxed dollars to our plan. Yes, unlike your 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 contribute it. On the surface this may not look as good as your IRA or 401(k) but please keep reading. We will clearly show you 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 access 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 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 blow you away.) 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 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 Verden
The next action we take in our retirement planning is to get you protected from market losses. Second 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. Large numbers 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 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 happened and they lost about half of everything they had spent a lifetime working for, 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 stock market losses and crashes, and yes, it actually is possible.
With our unique plan you are completely guaranteed not to lose a single penny 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 100% guaranteed not to lose a dollar in market declines. This one feature of the plan can make the difference between you having the retirement of your dreams or being wiped out.
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 all of your previous gains are locked in and protected from losses. Our unique plan is smart on steroids.
Wealth Management Verden
We also assist our clients with wealth management to insure they reach their investment and financial goals. One of the powerful benefits of our unique and patented flagship plan that we offer is that it gives you the option, if you choose to use it, to leverage your returns and actually earn 2 different returns, on the exact same money, at the same time. Yes, we know the first time you hear this, it sounds too good to be true and may even question if it is legal. We guarantee 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 funds 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 of our 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 20% in a given year, you earn 17% on your funds, and your gains are always locked in. Or, if the value of the indexes goes down 20%, you maintain your 0% floor and experience 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 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 100k earns between zero percent to 17% 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 $100,000 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 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 patented 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 might 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.
For The Best Financial And Retirement Planning In Grady County Call Us Today At: 405-418-6266