Financial Advisor in San Jose, CA

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Financial Advisor in San Jose, CA. You work hard for your money, and you want to feel assured about how it's being managed and how it's being used. Numerous San Jose residents do not have the financial literacy to feel confident they're making the right decisions with their money, while others simply don't have the time or interest to stay up to date on financial markets along with new laws, rules, and global events. That's when you need a reliable, seasoned, and knowledgeable financial advisor. A Correct Capital financial advisor in San Jose, CA will make your money work for you. We utilize in-depth research along with our decades of experience to create personalized financial solutions for individuals, families, and businesses in San Jose, CA and beyond. Speak to a team member today at 877-930-4015 or contact us online to learn how Correct Capital can help you.

Not sure if you're ready to hire a financial advisor in San Jose, CA? Take a look at our process page to discover how straightforward we make it to find out if you're a good fit.


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Correct Capital Wealth Management's office is physically located in St. Louis, MO, but we serve clients throughout the United States in both personal financial planning and corporate retirement plans.

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A 2018 study by FINRA found that 53 percent of American adults are worried about their finances. The cause of that apprehensiveness is frequently simply not being sure they're managing their money correctly. After our San Jose, CA financial advisor team gets to know you, your current financial situation and your financial ambitions, we'll create a road map to help you achieve them. As a fiduciary and an independent firm, every Correct Capital financial advisor is required to act in your best interest and we are not limited in the plans we can offer you. Our financial advisors in San Jose, CA have certifications that can only be gained through exhaustive testing and by meeting strict education requirements.

What Is a Financial Advisor?

A financial advisor is a professional who provides advice on managing personal finances and investments. This role includes a variety of services, from investment management and retirement planning to tax planning and generational wealth transfers. The primary goal of a financial advisor is to help individuals and organizations reach their financial objectives by creating strategies that align with their risk tolerance, financial situation, and long-term goals. While technically anyone can call themselves a financial advisor or financial planner, credible and professional advisors will have accreditations from organizations such as FINRA and the CFP Board that can only be achieved through rigorous education and exams.

Types of Financial Advisors in San Jose, CA

Financial advisors can operate under different titles:

  • Investment Advisors or Portfolio Managers: These advisors provide advice on securities and manage investment portfolios. They're commonly associated with RIAs and are required to serve as fiduciaries, prioritizing their clients' interests above their own. Investment advisors are registered with either the Securities and Exchange Commission (SEC) or state regulators, based on the size of the assets they manage.
  • Broker-Dealers and Brokers: Broker-dealers trade securities like stocks, bonds, and mutual funds for their clients or for their own accounts. They must be registered by the SEC and are generally members of FINRA. The financial products they can sell depend on their specific licenses, such as Series 6 or Series 7. For instance, an individual who has a Series 7 license represents general securities, such as mutual funds and exchange-traded funds (ETFs).
  • CERTIFIED FINANCIAL PLANNER™ Professionals (CFPs): Advisors with the CFP certification have completed rigorous training and adhere to high ethical standards, including a fiduciary duty to their clients. CFPs offer a broad range of financial planning services, such as debt management to retirement planning, and estate planning. Their approach is comprehensive, designed to meet all aspects of a client's financial life.
  • Financial Consultants: This term can be widely applied, but chartered financial consultants (ChFCs) have completed training comparable with CFPs and are also required to hold their clients' interests above their own. Like CFPs, ChFCs focus on providing holistic financial advice, covering areas such as investment management to tax advice, guaranteeing that clients' financial goals are met with the highest ethical standards.
  • Financial Coaches: Are dedicated to improving clients' financial literacy, guiding with fundamentals such as saving money and creating budgets. They are ideal for clients who are not yet wealthy enough to work with most financial advisors. Their services offers a strong basis for managing personal finances effectively, particularly for those just starting out.
  • Wealth Managers: Help high-net-worth individuals, offering a broad array of services that encompass estate planning, tax assistance, and investment management. They partner closely with their clients to manage complex financial situations and formulate wealth preservation strategies. Their skill set is tailored for enhancing the financial health and future of affluent clients, guaranteeing that all investments and planning strategies meet customized advice and approaches.

Each type of financial advisor provides unique expertise and services to the table. At Correct Capital, our team of advisors boasts CFPs and other qualified professionals who embody the highest standards of fiduciary responsibility and personalized service, ensuring that we act solely in the best interest of our clients across all our engagements.

What Does a Financial Advisor Do?

A financial advisor will analyze your extant financial situation, ascertain ways to enhance it, and help you accomplish your future financial goals. A lot of San Jose, CA residents frequently immediately think of investing when they think of wealth management services and financial advisors. While that is a crucial feature of any financial plan, an accomplished financial advisor will be able to provide you with all-encompassing financial advice that takes into consideration the entirety of your finances. The following are some of the services your Correct Capital financial advisor in San Jose, CA will implement to help you reach your objectives.

  • Financial Planning

    Our money is a part of almost everything we do, from making sure we're prepared for retirement, to paying for college, real estate deals, picking insurance policies, and making sure we have enough to eat every night. The best financial advisors in San Jose, CA offer comprehensive services and tailored advice by evaluating your entire financial situation.

  • Tax Planning

    Taxes are involved in virtually every financial transaction and transfer. According to the IRS's own data, more than 70 percent of Americans overpay in taxes each year. The United States tax code is incredibly complicated, yet it offers perfectly legal means to minimize taxes owed. A skilled and ethical San Jose, CA financial advisor will help you navigate your tax implications with the aim of keeping more money in your hands than in Uncle Sam's.

  • Portfolio Management and Asset Management

    Your financial portfolio is the assembly of your financial assets. They can include equities, bonds, mutual funds, exchange-traded funds (ETFs), cash equivalents, or alternative assets such as art. A financial advisor in San Jose, CA will help to allocate and diversify your assets in order to mitigate risk and strategically position your money for long-term success.

  • Retirement Planning

    Depending on where you currently are in life and your desired lifestyle when you retire, your San Jose, CA financial advisor will assist with tax planning, evaluating the best age to retire, when to withdraw money and how much to take out. A financial advisor will aid in creating a budget and strategy for where your income will come from in retirement so you can enjoy your golden years just how you want to.

  • 401(k) Services

    We offer 401(k) services to individuals and families as well as San Jose, CA businesses and business owners. Introducing a 401(k) plan is a superb way to keep your best employees and keep them satisfied and happy. Our retirement consultants oversee over $218 million in plan assets and thousands of plan participants nationwide. Our San Jose, CA financial advisor team offers extensive 401(k) planning for companies as well as personalized benefits for their employees.

  • 401(k) Rollover

    When moving to a new job, it can be challenging to know the best way to handle the money you've accumulated in a previous San Jose, CA employer's 401(k) plan. You have several options, including keeping the money in the account it is currently in, transferring it to a new 401(k), or investing the money in one of a selection of IRA accounts. A financial advisor will know how to best navigate handling your 401(k) funds.

  • Generational Wealth Transfers

    You earn your money, and it's normal to desire to leave a legacy and bequeath some wealth behind the people you care about the most. Wealth transfers are separate from simply leaving gifts behind in estate planning. A financial advisor in San Jose, CA can strategically plan your money for not only your children but for future generations to come, even ones you haven't met yet.

  • Fiduciary Advising

    Anyone can give themselves the title of "financial advisor," so it's imperative to pick one who has obtained accreditations and certifications from regulatory bodies such as the CFP Board, Fi360, InFRE, and FINRA. As fiduciary advisors and CERTIFIED FINANCIAL PLANNER™™ professionals, your San Jose, CA financial advisor at Correct Capital must abide by a "Code of Ethics and Standards of Conduct" to:

    1. Act with honesty, integrity, competence, and diligence.
    2. Act in the client's best interest.
    3. Exercise due care.
    4. Avoid conflicts of interest, disclose them when they arise, and manage them in the client's best interest.
    5. Maintain confidentiality and protect the privacy of client information.
    6. Act in a manner that reflects positively on the financial planning profession and CFP® certification.
  • Debt Management

    Financial advisors offer tailored debt management plans that focus on consolidating debt, achieving lower interest rates if feasible, and prioritizing repayments. The goal is to create a workable path forward that aligns with your financial situation and goals, ultimately leading to financial freedom.

  • Budgeting

    Creating and sticking to a budget is crucial to achieving financial health and goals. Financial advisors in San Jose, CA can assist clients comprehend their cash flow, spot areas for savings, and set realistic spending limits that encourage growing your wealth. By providing tools and strategies for efficient budgeting, advisors ensure that clients can meet their current financial obligations while also planning for future goals.

When you hire a San Jose, CA financial advisor at Correct Capital, we start by getting to know you and your goals. We will assess your current income, assets, investments, debts, and expenses. Then we've completed that, we'll work with you to determine your preferred risk tolerance and how we can best help you grow your wealth. As an independent advisory firm, our only commitment is to act in your best interest. There is no limitation to the services, products, and investment opportunities our financial advisor team can suggest, and we will never try to sell you on something we do not believe in ourselves.

When Should I Consider Hiring a Financial Advisor in San Jose, CA?

Seeking the advice of a financial advisor can be a critical step towards getting the life and financial security you want. While the optimal timing can differ greatly from person to person, certain life events and circumstances often indicate the need for professional financial advice.

  • Major Life Transitions: Life is a long line of transitions, and many of them have major financial implications. Whether you're buying a home or changing careers, these milestones can significantly affect how your money should be used and invested. A financial advisor can assist you manage these changes, ensuring that your financial plan evolves to meet your new circumstances and goals.
  • Lack of Experience, Time, Knowledge, or Desire to Manage Your Finances Alone: Managing personal finances can be complicated, demanding, and, frankly, overwhelming for many. If you lack the experience to effectively manage your investments, or simply choose to focus your time on other pursuits, a financial advisor can be invaluable. They bring experience and wisdom to your financial decisions, assisting to optimize your portfolio, avoid costly mistakes, and set up your investments for future success.
  • Nearing Retirement: Retirement planning is one of the most common reasons individuals seek out financial advice. An advisor can assist you evaluate your current financial situation, determine your retirement needs, and formulate a plan to ensure you can live comfortably during your retirement years comfortably. This includes strategies for Social Security benefits, pension management, and distribution strategies from retirement accounts.
  • Complex Financial Products: The financial market offers a myriad of investment options, many of which come with their own complexities. If you're considering investments in complex financial products—such as derivatives, alternative investments, or tax-optimized strategies—an advisor's expertise can be crucial. They can help you understand the risks and benefits, ensuring that any investment aligns with your overall financial strategy and goals.

Questions to Ask a Financial Advisor Before Hiring Them

Trust is paramount whenever you hire someone to do something, but particularly so when it involves your finances. Beyond just finding a reliable advisor, you need one whose specialties align with your needs. It's important to inquire properly during your initial meetings. Here are key questions to consider:

  • What is your experience in the financial advisory field?

    Understanding an advisor's track record, including their years in the industry, the kinds of clients they've assisted, and their expert areas, can give you a sense of their proficiency and whether they're prepared to handle your financial situation.

  • What are your qualifications and certifications?

    Ask about any qualifications (e.g., CFP®, CFA, ChFC) the advisor holds. These accreditations often require adhering to rigorous education, experience, and ethical standards, demonstrating a high level of professionalism and expertise.

  • What is your investment philosophy?

    An advisor's investment philosophy should align with your risk tolerance and financial goals. Whether they favor a cautious approach with a focus on long-term growth or a more aggressive strategy, their philosophy should reflect your goals and expectations.

  • How do you usually communicate with clients?

    Communication method and regularity are crucial to a productive client-advisor relationship. Inquire about how often you'll have meetings, whether they'll be face-to-face or online, and how the advisor expects to keep you informed about how your investments are going and if you need any updates to your plan.

  • What's your fee structure?

    Advisors can be fee-only, commission-based, or a mixture thereof. Grasping how an advisor is compensated will assist you in identifying potential biases and ensure that their advice is given with your best interests in mind.

  • Do you have a fiduciary duty to your clients?

    Confirming that an advisor acts as a fiduciary is crucial. This means they are bound by law to put your interests ahead of their own, offering advice that optimally benefits your financial goals and needs.

  • What services do you offer beyond investment management?

    Many advisors provide extensive financial planning services, including retirement planning, tax strategies, estate planning, and more. Additionally, some financial advisory firms offer more in the way of client education and portfolio reviews. Grasping the full scope of services offered can assist you in determining whether the advisor can meet all your financial needs.

  • How do you handle conflicts of interest?

    An honest advisor will clearly explain potential conflicts of interest and how they manage them to ensure they don't harm their clients' financial plans. Fiduciary advisors must make known conflicts of interest, and are required to manage them in their client's best interest.

Asking these questions will not only offer essential information about the financial advisor's qualifications and approach but also help you gauge whether there is a good personal fit. Remember, a strong relationship with your financial advisor is built on transparency, trust, and mutual understanding.

You can find many of these questions answered on our FAQ page.

How Much Does a Financial Advisor Cost in San Jose, CA?

In general, there are three common ways for financial advisors to be compensated:

  1. Commission-Based: Commission-based advisors make their earnings through commissions on the financial products they offer, such as other financial products. This fee structure can create a possible conflict, as the advisor could be motivated to suggest products that generate higher commissions rather than those that are most suited to your financial goals. These advisors are typically held to the suitability standard as opposed to the fiduciary standard, which means they have to advise on products that can aid in achieving your goals, but not necessarily the ones most appropriate to your needs.
  2. Fee-Only: Advisors on a fee-only basis are compensated straightforwardly by clients for the guidance and assistance they provide and do not receive any commissions from product sales. This compensation can take several forms, including fixed fees assets under management (AUM). This model is often seen as more clear and aligned with the client's best interests, as it minimizes conflicts of interest related to product sales.
  3. Fee-Based: Fee-based advisors use a combination of fees paid by the client and commissions from selling financial products. While this model offers a blend of the fee-only and commission-based structures, fee-based advisors generally also have a fiduciary duty, which means that even if they get commission from certain products, they must reveal this to the client and cannot recommend those products unless they sincerely believe they are in the client's best interests.

Correct Capital's Financial Advisory Services in San Jose, CA

Correct Capital is distinguished in the San Jose, CA financial advisory landscape for its bespoke approach to wealth management and financial planning. Understanding that not all clients have the same starting point or identical goals, we offer three different service models to our clients in San Jose, CA:


One-Time Financial Plan (best for validators)

This service model is best for those who are looking for the insights and advice a financial advisor can offer without the continuous oversight. This service is excellent for individuals who are generally confident in managing their finances but desire professional validation to ensure they're setting their money up for success in the best way. Our team conducts a thorough review of your financial landscape, supplying you with a detailed plan that tackles your specific goals, concerns, and opportunities for growth.


Subscription (best for collaborators)

Our subscription service caters to individuals who value ongoing guidance and advice as their financial situation evolves, or when they have specific questions about taxes, investments, or other aspects of their finances. This model offers monthly updates from our financial advisors, quarterly meetings, and availability on an as-needed basis. While we won't be managing your portfolio, we'll strive to look for opportunities to help you flourish financially.


Wealth Management (best for delegators)

Our wealth management service model is for clients who choose to delegate the management of their investments and financial planning to professionals. This includes active portfolio management, strategic financial planning, and proactive advice on a wide range of financial matters — from tax planning and retirement planning to estate considerations and beyond. Our wealth management clients enjoy a sense of security, knowing that every aspect of their financial well-being is being overseen by a dedicated team of professionals dedicated to maximizing their wealth and achieving their financial goals.


Why Choose Correct Capital as Your San Jose, CA Financial Advisor?

Correct Capital is a premier choice for individuals and families in San Jose, CA looking for reliable, expert financial guidance. Here's why choosing Correct Capital can make a profound difference in your financial journey:

  • We're Fiduciary Advisors: As fiduciaries, Correct Capital are legally obligated to act in your best interests. This commitment ensures that every piece of advice, every investment recommendation, and every strategic decision we make on your behalf is done in a way that aligns most closely with your goals.
  • Our I.O.U. Promise: All the advice we offer is independent, objective, and unbiased. Our independence means we aren't tied to any financial institution or product, allowing us the freedom to choose the best investments and strategies for you.
  • Our Qualifications: We are a Registered Investment Advisor (RIA), which allows us access to a wide variety of investment solutions and research. Our advisor team includes a couple of CERTIFIED FINANCIAL PLANNER™ professionals, an Accredited Investment Fiduciary (AIF®), an Enrolled Agent, and a CPA. Moreover, our retirement consultants and financial portfolio managers boast over 100 years of combined experience.
  • Proactivity is Our Approach: Our advisors believe that the most valuable way to create long-term financial security is to anticipate trends and lead, rather than follow. Leveraging in-depth research and analytics, we prepare the most appropriate strategy for your needs.
  • Continuous Learning Opportunities: Correct Capital offers quarterly webinars and workshops aimed at keeping you up-to-date and engaged with your financial health. Our dedication to client education ensures that you are fully prepared to make informed decisions alongside your advisor.

Choosing Correct Capital as your financial advisor in San Jose, CA means joining forces with a team dedicated to your financial success. Our expertise, fiduciary commitment, and custom-tailored approach to financial planning and investment management make us the ideal partner for individuals and families seeking to achieve their financial goals and secure their future.

Other services we offer in San Jose, CA include:

Call Correct Capital's San Jose, CA Financial Advisor Team Today

Your money and the choices you make with it are inherently personal. At Correct Capital, we firmly believe that the relationship between a person, household, or entrepreneur in San Jose, CA and their financial advisor is founded on trust. Committed to guiding our clients achieve their personal and financial goals, whether it's funding higher education for your children or making the dream purchase of that dream car during your retirement years. Reach out to our San Jose, CA financial advisor team today at 877-930-4015 or start a conversation with us online to begin growing your wealth how you've always wanted.


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