Financial Advisor in Tempe, AZ

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Financial Advisor in Tempe, AZ. Your hard-earned money deserves attention, and you need to be assured about how it's being managed and how it's being used. A lot of Tempe residents do not have the financial literacy to feel sure they're making the optimal decisions with their money, while others simply don't have the time or inclination to stay up to date on market trends along with new laws, regulations, and different events happening around the world. That's when you should consider hiring a reliable, seasoned, and knowledgeable financial advisor. A Correct Capital financial advisor in Tempe, AZ will help your finances grow. We employ in-depth analytics along with our decades of experience to create personalized financial solutions for individuals, families, and businesses in Tempe, AZ and beyond. Speak to a team member today at 877-930-4015 or contact us online to see if Correct Capital is a good fit for you.

Not sure if you're ready to hire a financial advisor in Tempe, AZ? Take a look at our process page to find out how straightforward we make it to find out if we would make a good team.


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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 reported that 53 percent of American adults are anxious about their finances. The root of that concern is commonly simply not being sure they're managing their money correctly. After our Tempe, AZ financial advisor team gets to know you, your extant financial situation and your financial objectives, we'll implement a road map to help you achieve them. As a fiduciary and an independent firm, every Correct Capital financial advisor is obligated to act in your best interest and we are not limited in the options we can offer you. Our financial advisors in Tempe, AZ have certifications that can only be gained through exhaustive testing and by meeting stringent education requirements.

What Is a Financial Advisor?

A financial advisor is a professional who provides advice on managing personal finances and investments. This role covers 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 be called a financial advisor or financial planner, reliable and professional advisors will have qualifications from regulatory bodies such as FINRA and the CFP Board that can only be obtained through rigorous education and exams.

Types of Financial Advisors in Tempe, AZ

Financial advisors can work and market themselves under different titles:

  • Investment Advisors or Portfolio Managers: These advisors provide advice on securities and manage investment portfolios. They often work in RIAs and are required to serve as fiduciaries, meaning they must act within a client's best interest. Investment advisors are certified 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 themselves. They must be registered by the SEC and are generally members of FINRA. The financial products they can sell are determined by 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 designation have undergone extensive education and adhere to the highest ethical standards, including a fiduciary duty to their clients. CFPs provide a wide array of financial planning services, ranging from managing debt to retirement planning, and investment strategies. Their approach is comprehensive, intended to address all aspects of a client's financial life.
  • Financial Consultants: This term can be widely applied, but chartered financial consultants (ChFCs) have undergone education comparable with CERTIFIED FINANCIAL PLANNER™ Professionals and are also required to hold their clients' interests above their own. Like CFPs, ChFCs specialize in offering holistic financial advice, encompassing everything from estate planning to retirement strategies, guaranteeing that customers' financial goals are achieved through the highest ethical standards.
  • Financial Coaches: Concentrate on boosting clients' financial literacy, helping with fundamentals such as saving money and creating budgets. They are perfect for clients who are not yet wealthy enough to work with most financial advisors. Financial coaching offers a good starting point for handling personal finances wisely, particularly for those looking to take the first step towards financial wellbeing.
  • Wealth Managers: Specialize in serving high-net-worth individuals, offering a broad array of services that encompass estate planning, tax assistance, and investment management. They collaborate intimately with their clients to manage complex financial situations and implement wealth preservation strategies. Their expertise is geared towards enhancing the financial health and legacy of wealthy individuals, guaranteeing that all investments and planning strategies meet personalized advice and strategies.

Each type of financial advisor serves different needs, and the best choice depends on an individual's or organization's specific financial situation and goals. At Correct Capital, our group of advisors boasts CFPs and other qualified professionals who uphold the highest standards of fiduciary responsibility and personalized service, making sure that we act only in the best interest of our clients in all of our advice and dealings.

What Does a Financial Advisor Do?

A financial advisor will asses your current finances, determine means to improve it, and help you accomplish your long-term financial goals. Many Tempe, AZ residents frequently immediately think of investing when they think of wealth management services and financial advisors. While that is a crucial aspect of any financial plan, a knowledgeable financial advisor will be able to provide you with holistic financial advice that takes into account the entirety of your finances. Below are some of the services your Correct Capital financial advisor in Tempe, AZ will use to help you realize your objectives.

  • Financial Planning

    Our finances are integral to almost everything we do, from making sure we're set up in retirement, to paying for college, buying and/or selling a house, choosing insurance policies, and putting food on the table each night. The best financial advisors in Tempe, AZ offer comprehensive services and bespoke advice by taking into account 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 pay more than necessary in taxes each year. The United States tax code is incredibly complicated, yet it provides perfectly legal means to minimize taxes owed. A reliable and expert Tempe, AZ financial advisor will guide you through your tax implications to ensure keeping more money in your own account.

  • Portfolio Management and Asset Management

    Your financial portfolio is the collection of your financial assets. They can include equities, bonds, mutual funds, exchange-traded funds (ETFs), cash equivalents, or other investments such as art. A financial advisor in Tempe, AZ will assist in allocating and diversify your assets to mitigate risk and strategically position your money for long-term success.

  • Retirement Planning

    Depending on where you currently are in life and the kind of life you want to live when you retire, your Tempe, AZ financial advisor will help with tax implications, considering the best age to retire, when to make withdrawals and how much to withdraw. A financial advisor will aid in creating a budget and plan 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 Tempe, AZ businesses and business owners. Setting up a 401(k) plan is a great way to retain your best employees and keep them satisfied and happy. Our retirement consultants manage over $218 million in plan assets and hundreds of plan participants nationwide. Our Tempe, AZ financial advisor team offers comprehensive 401(k) planning for companies as well as customized benefits for their employees.

  • 401(k) Rollover

    When starting a new job, it can be tough to know the best way to handle the money you've already saved in a previous Tempe, AZ employer's 401(k) plan. You have multiple options, including leaving the money in the account it is currently in, moving it to a new 401(k), or putting the money in one of a variety of IRA accounts. A financial advisor will know how to best navigate managing your 401(k) funds.

  • Generational Wealth Transfers

    You strive for your money, and it's natural to desire to leave a legacy and bequeath some wealth behind the people you care about the most. Wealth transfers are different from simply leaving gifts behind in estate planning. A financial advisor in Tempe, AZ can optimize your money for not only your children but for 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 choose one who has accreditations and certifications from regulatory authorities such as the CFP Board, Fi360, InFRE, and FINRA. As fiduciary advisors and CERTIFIED FINANCIAL PLANNER™™ professionals, your Tempe, AZ financial advisor at Correct Capital must act in accordance with 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 personalized debt management plans that focus on managing debt, achieving lower interest rates if feasible, and structuring repayments. The goal is to create a workable path forward that aligns with your financial situation and goals, eventually leading to stability.

  • Budgeting

    Creating and sticking to a budget is crucial to achieving financial health and goals. Financial advisors in Tempe, AZ can help clients comprehend your income level, identify areas for savings, and set realistic spending limits that encourage wealth accumulation. By providing resources and strategies for efficient budgeting, advisors ensure that clients can meet their current financial obligations while also saving for future goals.

When you hire a Tempe, AZ financial advisor at Correct Capital, we begin by getting to know you and your aims. We will evaluate your current income, assets, investments, debts, and expenses. Next we've completed that, we'll work in tandem with you to determine your preferred risk tolerance and how we can best help you achieve your goals. As an independent advisory firm, our only job is to act in your best interest. There is no limit to the services, products, and investment opportunities our financial advisor team can offer you, and we will never try to sell you on something we do not believe in ourselves.

Do I Need to Speak to a Financial Advisor in Tempe, AZ?

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

  • Major Life Changes: Life is a series of changes, and many of them have significant financial implications. Whether you're starting a family or changing careers, these milestones can profoundly affect how your money should be used and invested. A financial advisor can help you navigate these changes, ensuring that your financial plan evolves to meet your new circumstances and goals.
  • Lack of Experience, Time, Knowledge, or Interest to Manage Your Finances By Yourself: Managing personal finances can be complex, demanding, and, frankly, overwhelming for many. If you don't have the knowledge to effectively handle your investments, or simply choose to spend your energy on other pursuits, a financial advisor can be invaluable. They bring experience and objectivity to your financial decisions, aiding to optimize your portfolio, prevent costly mistakes, and set up your investments for sustainable growth.
  • Getting Close to Retirement: Retirement planning is one of the most common reasons individuals seek out financial advice. An advisor can help you evaluate your current financial situation, determine your retirement needs, and formulate a plan to ensure you can experience your retirement years with peace of mind. This includes strategies for Social Security benefits, pension management, and withdrawal plans from retirement accounts.
  • Complex Financial Products: The financial market offers a plethora of investment options, many of which come with their own set of complexities. If you're considering investments in complex financial products—such as derivatives, alternative investments, or tax-optimized strategies—an advisor's insight can be crucial. They can guide you understand the risks and benefits, ensuring that any investment fits your overall financial strategy and goals.

Questions to Ask a Financial Advisor Before Hiring Them

Trust is essential when you're hiring someone for any service, but especially so when it comes to your hard-earned money. In addition to finding a dependable advisor, you need one who perfectly matches your needs. It's important to ask the right questions during your initial meetings. Here are key questions to consider:

  • What is your experience in the financial advisory field?

    Understanding an advisor's experience, including their time spent in the industry, the kinds of clients they've collaborated with, and their expert areas, can offer you a sense of their proficiency and whether they're prepared to handle your specific financial circumstances.

  • What are your qualifications and certifications?

    Ask them to mention any certifications (e.g., CFP®, CFA, ChFC) the advisor holds. These accreditations often require adhering to strict educational, experience, and ethical standards, indicating a high level of professionalism and expertise.

  • Can you describe your investment philosophy?

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

  • How do you prefer to communicate with clients?

    Communication style and regularity are vital to a successful client-advisor relationship. Ask about how often you'll be able to meet with your advisor, whether they'll be in person or virtual, and how the advisor intends to keep you updated about your investments and financial plan.

  • How are you compensated for your services?

    Advisors can be fee-only, commission-based, or a mixture thereof. Grasping how an advisor is compensated will help you identify potential biases and guarantee that their recommendations are given with your best interests in mind.

  • Are you a fiduciary financial advisor?

    Confirming that an advisor acts as a fiduciary is essential. This means they are bound by law to put your interests before their own, providing advice that best serves 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 educational resources and portfolio reviews. Grasping the full scope of services offered can enable you to assess 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 reveal conflicts of interest, and must manage them in their client's best interest.

Asking these questions will not only provide you with essential information about the financial advisor's qualifications and approach but also enable you to assess 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 Tempe, AZ?

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

  1. Commission-Based: Advisors who earn through commissions make their earnings through commissions on the products they sell, such as mutual funds. This fee structure can lead to a potential conflict of interest, as the advisor might be incentivized to recommend products that generate higher commissions rather than those that are most suited to your financial goals. Commission-based advisors are typically held to the suitability standard as opposed to the fiduciary standard, which means they have to recommend products that can help you achieve your goals, but not necessarily the ones best suited to your needs.
  2. Fee-Only: Fee-only advisors 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 various shapes, including a percentage of the assets under management (AUM). This model is frequently regarded 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 client-paid fees and commissions from selling financial products. While this model offers a blend of the fee-only and commission-based structures, such advisors generally also have a fiduciary duty, which means that although they get commission from certain products, they must disclose that information 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 Tempe, AZ

Correct Capital is distinguished in the Tempe, AZ 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 a variety of service models to our clients in Tempe, AZ:


One-Time Financial Plan (best for validators)

This service model is ideal for those who are looking for the guidance and recommendations 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 confirm they're on the right track. Our team performs a thorough review of your financial landscape, supplying you with a detailed plan that addresses your specific goals, concerns, and opportunities for growth.


Subscription (best for collaborators)

Our subscription service caters to individuals who appreciate consistent guidance and advice as their financial situation changes, or when they have specific questions about taxes, investments, or other aspects of their finances. This model offers monthly updates from our financial advisors, regular check-ins every quarter, 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 grow and save your wealth.


Wealth Management (best for delegators)

Our wealth management service model is for clients who choose to hand over the management of their investments and financial planning to professionals. This includes active investment management, comprehensive financial strategizing, and forward-looking guidance on a wide range of financial matters — from tax strategies and retirement planning to estate considerations and beyond. Our wealth management clients enjoy peace of mind, knowing that every aspect of their financial well-being is being carefully managed by a dedicated team of professionals committed to maximizing their wealth and realizing their financial goals.


Why Choose Correct Capital as Your Tempe, AZ Financial Advisor?

Correct Capital is a leading choice for individuals and families in Tempe, AZ looking for reliable, expert financial guidance. Here's why choosing Correct Capital can make a significant difference in your financial journey:

  • We're Fiduciary Advisors: As fiduciaries, Correct Capital are legally obligated to put your interests first. This commitment guarantees that every piece of advice, every investment recommendation, and every strategic decision we make on your behalf is carried out in a way that aligns most closely with your goals.
  • Our I.O.U. Promise: Every piece of guidance we offer is independent, objective, and unbiased. Being independent signifies we aren't tied to any specific financial institution or product, enabling us the freedom to choose the best investments and strategies for you.
  • Professional Credentials: We are a Registered Investment Advisor (RIA), which allows us access to a wide variety of investment solutions and research. Our advisor team includes two CERTIFIED FINANCIAL PLANNER™ professionals, an Accredited Investment Fiduciary (AIF®), an Enrolled Agent, and a CPA. Additionally, our retirement consultants and financial portfolio managers boast over 100 years of combined experience.
  • We Are Proactive: Our advisors believe that the most valuable way to create long-term financial security is to anticipate trends and lead, rather than follow. Utilizing the latest data and software to analyze trends, we prepare the most appropriate strategy for your needs.
  • Ongoing Education and Resources: 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 well-equipped to make informed decisions together with your advisor.

Choosing Correct Capital as your financial advisor in Tempe, AZ means partnering with a team committed to your financial success. Our expertise, fiduciary commitment, and personalized approach to financial planning and investment management make us the perfect choice for individuals and families looking to achieve their financial goals and secure their future.

Other services we offer in Tempe, AZ include:

Call Correct Capital's Tempe, AZ Financial Advisor Team Today

The decisions you make about your finances and the choices you make with it are inherently personal. At Correct Capital, we firmly believe in the relationship between a person, household, or entrepreneur in Tempe, AZ and their financial advisor is founded on trust. Committed to helping our clients achieve their financial and personal goals, be it funding higher education for your children or finally achieving the dream of owning that dream car in retirement. Reach out to our Tempe, AZ financial advisor team today at 877-930-4015 or get in touch with us online to take the first step towards growing your wealth how you've always wanted.


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