Warwick Best Financial Planning & Retirement Planning 405-418-6266
Financial Advisor Warwick
Are you seeking a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve arrived at the perfect place. We are Oklahoma City Financial Planning Pros and we are top notch financial advisors. First off, congrats on being wise enough to search for professional help in this really important area of your life.
As you know, we only get one chance in life and one chance to make this right. Life goes by much too fast. If we attempt to go it alone and come in short of where we need to be, it’s often hard to make up for lost growth. The longer you hold off on this, the more challenging it will be to make up lost ground and reach your portfolio goals. According to a recent Forbes survey, only 52% of pre-retirees seek out the help of a financial advisor or financial planner. They also found that those who do look for professional help have better financial returns than people who do not. It’s wise to ask for help from a experienced 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 an IRA vs 401k? (3) How much should I save for retirement? (4) Do I need alternative investments? (5) What can I do to insure I never lose money? The list of questions goes on and on. Finance and investing can be very complex and mind boggling 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 realize if a solution it too difficult to grasp, it will be too complicated to implement and watch and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Warwick
Our first step in financial planning and helping you succeed financially is to first get a baseline of where you are today financially. Are you on track to exceed your financial and retirement goals? Lots of people have no idea at all. As we understand, before you can get to where you want to go, you first need to discover 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 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 these very often running various “what it” calculations to see how little edits in their financial planning can impact their total results. The first simple retirement calculator we suggest you use could not be any easier to use. You simply enter 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 earning on your accounts and the rate of return that you wish you will achieve during your retirement years. It’s that simple. Then you just click the calculate button.
The results of your inputs pull up right away. It will tell 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’re not on goal, the retirement calculator will even show you the four key areas that you can make changes to to be sure you reach your goals. Based on the findings you can go back and enter in some different combinations of numbers and keep going back and forth and discover if you can reasonably make adjustments to achieve your investment goals.
It’s really very fun to do. For most people it’s a real eye-opener. Finding out where you are now and being honest about your current situation is half the battle.
Note: We work with quite a few high net worth investors who love using our plans to grow their funds and protect themselves from rising tax rates, creditors, soaring fees and keeping their investments private and off the Government grid. However, most of our clients consider themselves to be pretty average.
If you are not on track to obtain 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 live.
Warwick 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 amount most Americans spend on taxes is the single biggest financial expenditure 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 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 you can. We believe that our primary financial plan 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 our plan works.
You contribute after taxed dollars to our plan. Yes, unlike an 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 funds 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, bar none!
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 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 take out 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 so powerful. 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 the future tax rates will have no option but to rise significantly.
By setting up a Barefoot Retirement Plan you can 100% protect yourself from having to pay any taxes on the funds you pull out. This one benefit alone can make or break most people’s retirement dreams.
Retirement Planning Warwick
The next step we take in our retirement planning is to get you protected from losing money in the stock market. Second to taxes, stock market losses are the next big event that can ruin your retirement dreams and keep you working for much longer than you wanted to. Large numbers 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 retirement accounts.
Millions of hard working Americans were just getting ready to begin retirement. When the crash occurred and they lost almost half of everything they had spent a lifetime creating, it was devastating. That is why our 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 really is possible.
With our patented 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 better you could sleep at night knowing that you were totally guaranteed not to lose a dime in stock market declines. This one feature of the plan can make the difference between you having the retirement of your dreams or not.
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 plan is smart on steroids.
Wealth Management Warwick
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 the 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 you 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 primarily been used by wealthy families, politicians and mega 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 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 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 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 suffer 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 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 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 0% to 17% each year. Then you decide to borrow 80k from the account and put it into a great 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 zero percent to seventeen percent on the entire $100,000 account value.
Additionally you earn whatever return you get on your $80,000 that you put into your real estate investment. So you are actually 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 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 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 Lincoln County Call Us Today At: 405-418-6266