Wellston Financial Advisor – Retirement & Financial Planning Pros 405-418-6266
Financial Advisor Wellston
Are you in search of a financial advisor to help with your financial planning and retirement planning? If so, you’ve found the most perfect place. We are Oklahoma City Financial Planning Pros and we are knowledgeable financial advisors. First of all, congrats on being brilliant enough to seek out professional help in this super important part of your life.
As you know, we only get one chance in life and one chance to get this right. Life goes by far 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 funds. The longer you hold off on this, the more challenging it will be to catch up and achieve your portfolio goals. According to a recent Forbes survey, just 52% of Americans look to get the assistance of a financial advisor or financial planner. The survey also found that people who do seek out professional help have more profitable financial results than people who do not. It’s good to obtain help from a good financial advisor.
Many people start with basic questions like: (1) How much savings do I need to retire? (2) What’s the real difference between an Individual Retirement Account and an 401k? (3) How much do I need to save for retirement? (4) Do I need alternative investments? (5) Is a 401k better than an IRA? 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 investors reach your financial and retirement goals. After all, we have learned if a solution it too difficult to learn, it will be too challenging to use and monitor and thus will not be acted upon in the first place. That’s why we always keep things simple.
Financial Planning Wellston
Our first goal 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 exceed your financial and retirement goals? Lots of people have no idea what-so-ever. As we understand, before you can get to where you wish to go, you first need to determine where you are right now.
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 user friendly to use, yet very effective. Our simple retirement calculators are 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 all the time running various “what it” ideas to see how small shifts in their financial planning can impact their end results. The first simple retirement calculator we suggest you use could not be any simpler to use. You simply type in your age, the age you would like to retire, the amount you currently have saved for retirement now, how much you invest on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently earning on your portfolio and the rate of return that you think you will achieve during your retirement years. That’s it. Next you just click the calculate button.
The results of your numbers pull up right away. It will tell 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 are not on goal, the calculator will even show you the four critical areas that you can change to insure you reach your goals. Based on your findings you can go back and key in some different combinations of amounts and keep going back and forth and see if you can reasonably make changes to obtain your goals.
It’s really very fun to do. For most people it’s a real shocker. Discovering 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 individuals who love using our strategies to grow their net worth and protect themselves from soaring tax rates, creditors, soaring fees and keeping their money private and off the Government radar. However, quite a few of our clients consider themselves to be financially average.
If you are not on track to obtain your financial 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.
Wellston 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 expenditure of their life? Lots of people have no clue, yet it is true for most of us. The average American spends more on taxes than they do on on any other expenditure
That’s why it is so important for us to focus on this major expense and reduce your taxes as much as you can. We believe that our primary 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 plan works.
You put in post taxed dollars to the program. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our program requires you to pay the tax on the funds before you invest it. On the surface this may not seem as good as your IRA or 401(k) but please trust us. We will clearly demonstrate how our program will blow away 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 under the sun, you can simply take your money out at any time. We will show you exactly how you will be able to get your funds at any time 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 so powerful. At the time this is being written, Bernie Sanders is running for President. He is advocating 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 blow you away.) 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 sharply.
By setting up a Barefoot Retirement Plan you can completely protect yourself from needing 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 Wellston
The next action we take in our retirement planning is to get you protected from losing money in the market. Second to taxes, stock market losses are the next big issue that can ruin your retirement dreams and keep you working for much longer than you planned to. Many investors lost upwards of 50% of their funds in the Dot Com crash of 2000. Then, just as most 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 retire. When the crash occurred 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 want to get our clients 100% protected from market losses and crashes, and yes, it really is possible.
With our unique plan you are 100% guaranteed not to lose a single cent 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 deeper you could sleep at night knowing that you were guaranteed not to lose a dollar in market declines. This one feature of our 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 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 Wellston
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the strong benefits of our unique and patented flagship plan that we offer is that it gives you the option, if you wish to use it, to leverage your returns and actually earn two 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 guarantee you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have primarily been used by wealthy families, politicians and huge corporations. Believe me, they do know the best ways to protect their wealth 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 clients choose the blended index option that has a 0% floor and a seventeen percent 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 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 in the planet 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 can choose to put your funds 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 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 zero percent to 17% 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 powerful 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 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 Lincoln County Call Us Today At: 405-418-6266