Yale Financial Planning & Retirement Planning – Financial Advisor 405-418-6266

Financial Advisor Yale

Are you seeking a financial advisor to help with your financial planning and retirement planning? If that’s right, you’ve come to the most perfect place. We are Oklahoma City Financial Planning Pros and we are knowledgeable financial advisors. First of all, congrats on being wise enough to seek out professional help in this very important area of your life.

As you know, we only get this one chance in life and one chance to make this right. Life goes by way too fast. If we attempt to go it alone and fall short of where we ought to be, it’s often challenging to make up for lost results. The longer you hold off on this, the more difficult it will be to produce better returns and reach your portfolio goals. According to a recent Forbes survey, just 52% of people ask for the help of a financial advisor or financial planner. Forbes also found that people who do look for professional help have more profitable financial gains than pre-retirees who do not. It’s smart to seek 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 IRA vs 401k? (3) How much should I save for retirement? (4) What about alternative investments? (5) 401k vs ROTH IRA, which is better? The list of questions goes on and on. Finance and investing can be very complex and mind blowing sometimes.

We specialize in providing simple, proven and very effective financial strategies to help you reach your financial and retirement goals. After all, we know if a solution it too complicated to understand, it will be too challenging to implement and monitor and thus will not be acted upon in the first place. That’s why we always keep things simple.

Financial Planning Yale

Our first goal in financial planning and helping you succeed financially is to first get a benchmark 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 want to go, you first need to find out where you are at this time.

In our alignment with keeping things easy, 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 quick and easy to use, yet very effective. Our simple retirement calculators are totally 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.

Many of our clients use them very often running various “what it” scenarios to see how minor tweaks in their financial planning can impact their net results. The first simple retirement calculator we suggest you use could not be any easier to use. You simply plug in your age, the age you would like to retire, the amount you currently have saved for retirement now, how much you put in on an annual basis, your desired annual income during your retirement years, the approximate rate of return you are currently getting on your retirement and the rate of return that you estimate you will achieve during your retirement years. It’s that easy. Then you just click the calculate button.

The results of your numbers pull up instantly. 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, it will even show you the 4 critical areas that you can make changes to to help you obtain your goals. Based on those findings you can go back and key in some different combinations of amounts and keep going back and forth to see if you can reasonably make adjustments to reach your financial goals.

It’s really very fun to do. For most people it’s a real eye-opener. Discovering where you are right now and being honest about your current finances is half the battle.

Note: We work with quite a few high net worth individuals who love using our strategies to grow their funds and protect themselves from soaring tax rates, creditors, soaring fees and keeping their investments private and off the grid. However, many of our clients consider themselves to be mostly average.

If you are not on track to achieve 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 live.

Yale 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 think will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single largest financial expenditure of their life time? Many 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 most important to focus on this major cost and reduce your taxes as much as possible. We believe that our main financial plan 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 great country of ours. It really is that powerful. In a nutshell, this is how it works.

You invest after taxed dollars to the plan. 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 contribute it. On the surface this may not appear as good as your IRA or 401(k) but please keep reading. We will clearly show you how our plan 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, college or anything under the sun, you can simply take your money out at any time. We will show you how you will be able to access your money at any time you wish 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. Yikes! 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 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 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 Yale

The next task we take in successful retirement planning is to get you protected from losing money in the market. Second to taxes, market losses are the next big event that can crush your retirement dreams and keep you working for much longer than you wanted to. Many investors lost upwards of 50% of their funds 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 mortgage/housing 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 enter into retirement. When the crash happened and they lost just about half of everything they had spent a lifetime creating, 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 really is possible.

With our unique plan you are completely guaranteed not to lose a single dime 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 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. This plan is smart on steroids.

Wealth Management Yale

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 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 most people 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 mostly been used by wealthy families, politicians and giant corporations. Believe me, they do 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 wealthy.

Here is a high level look at how the leveraging option could work. Many clients choose our 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 seventeen percent 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 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 0% to seventeen percent each year. Then you decide to borrow $80,000 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 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 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 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.