Wynona Financial Advisor – Financial Planning & Retirement Planning Pros 405-418-6266
Financial Advisor Wynona
Are you searching for a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve arrived at the best place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First of all, congrats on being smart enough to search for professional help in this most important part of your life.
As you know, we only get this one chance at life and one chance to do this right. Life goes by way too fast. If we decide to go it alone and fall short of where we ought to be, it’s often challenging to make up for lost funds. The longer you hold off on this, the more difficult it will be to come back and achieve your retirement goals. According to a recent Forbes survey, just 52% of individuals ask for the assistance of a financial advisor or financial planner. They also discovered that investors who do seek out professional help have better financial returns than people who do not. It’s good to ask for help from a smart financial advisor.
Lots of people start with basic questions like: (1) How much do I need to retire? (2) How much money do you need to retire? (3) How much should I save for retirement? (4) Do I need alternative investments? (5) SEP IRA vs ROTH IRA, which is better? The list of questions goes on and on. Finances and investing can be very complex and mind blowing sometimes.
We are known for 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 grasp, it will be too difficult to implement and review and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Wynona
Our first goal 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 determine 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 super easy to use, yet very effective. Our simple retirement calculators are completely free to use and they are online, so you can access and use them at any time it is convenient with you and your schedule.
Many of our clients use them frequently running various “what it” scenarios to see how minor changes in their financial planning can impact their end results. The first simple retirement calculator we suggest you begin with could not be any simpler to use. You simply enter in your age, the age you would like to retire, the amount you currently have saved for retirement now, how much you contribute on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently earning on your investments and the rate of return that you estimate you will achieve during your retirement years. It’s that easy. You then simply 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 are not on track, the retirement calculator will even show you the 4 critical areas that you can change to make sure you reach 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 see if you can reasonably make changes to achieve your investment goals.
It’s really much fun to do. For most people it’s a real shocker. Knowing where you are now and being honest about your current standings is half the battle.
Note: We work with many high net worth people who love using our plans to grow their accounts and protect themselves from rising 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 mostly 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 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 do.
Wynona Financial Planners
As financial planners, most often our next step is to help protect you from spending more than you should 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 largest financial expenditure of their life time? 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 single expenditure.
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 best 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 invest post taxed dollars to the program. 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 money before you contribute it. On the surface this may not appear as good as your IRA or 401(k) but please trust us. We will clearly demonstrate how our program will beat the pants off of 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 an illness, an unexpected expense, an unexpected opportunity or investment, college savings or anything at all, you can simply take your funds out at any time. We will show you how you will be able to access 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 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 at this time, 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 having 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 Wynona
The next step we take in our retirement planning is to get you protected from losing money in the market. Next 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 needed to. Large numbers of investors lost upwards of 50% of their money 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 retire. When the crash triggered 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 work to get our clients 100% protected from stock market losses and crashes, and yes, it truly is possible.
With our one-of-a-kind plan you are completely 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 brings to our clients. Imagine how much deeper you could sleep at night knowing that you were completely guaranteed not to lose a dime in 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 stock market goes up, you 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 Wynona
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 program that we offer is that our program 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 people hear this, it sounds too good to be true and may even question if it is legal. We assure 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 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 plan that has a 0% floor and a seventeen percent cap. So if the value of the indexes’ tracked goes up 20% in a given year, you earn seventeen percent on your account, and your gains are always locked in. Or, if the value of the indexes goes down twenty percent, you maintain your zero percent 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 get permission from anyone to do this. You are not limited to a list of investment options. You get to choose to put your funds 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 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 0% to seventeen percent 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 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 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 put this off. 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 Osage County Call Us Today At: 405-418-6266