Retirement Consultant Arnold, MO. Whether you have your heart set on filling your golden years with vacations to Cabo, cruising around town in a brand new sports car, hanging out on the back porch, or leaving as much behind for your family as possible, you need a dedicated and knowledgeable retirement consultant to help you reach your objectives. No matter where you are in life currently, the Arnold, MO retirement planning advisors at Correct Capital will design a customized roadmap for you to get you from here to where you want to go. Call us today at 877-930-4015 or fill out our online contact form.
Your retirement planning needs are based on your personal goals in retirement. When you hire a retirement consultant at Correct Capital, we will begin by getting to know you personally in order to recognize how we can help you realize your goals. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a range of research and data, and understanding of the best strategies to use in the interest of growing your wealth. We are independently owned and will only offer you objective and unbiased advice. As fiduciary financial advisors, trust is at the center of our relationships with all our Arnold, MO clients, and we want you to have peace of mind that we have your best interest at heart.
How to Choose the Right Retirement Consultant for You
You probably have a lot of questions about how to best start your retirement planning, and principal among them is how to choose a Arnold, MO retirement consultant you can trust. There are a lot of of important facets to consider when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anyone can use made up titles like “retirement specialists,” and certain certifications are awarded through short study and easy exams, or pertain more to advertising than financial planning. Correct Capital is an experienced and honest team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be attained through years of experience, extra education requirements, dedicated study, and passing exhaustive tests. You can be sure that your Correct Capital retirement consultant has the experience and knowledge to successfully manage your retirement planning.
Is the Retirement Consultant a Fiduciary?
Investment professionals are required to follow one of two sets of standards:
- Suitability Standard: This standard is determined by the Financial Industry Regulatory Authority (FINRA), and vaguely asserts that an investment professional must pick planning and investment options that are “suitable” for their clients, but makes no mention of the client’s best interest. That means a broker that complies with the suitability standard is under no legal obligation to work for your best interests instead of their own, and they also serve the broker-dealers they work for. This might mean they give you retirement advice based on the commission they might get, or are pushing products that might not be in your best interest.
- Fiduciary Standard: This standard is regulated by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally bound to it. We are obligated to have your best interest at heart, act with the skill and discernment of a professional, strive to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.
At Correct Capital, we build personal relationships with our Arnold, MO clients that are built on trust. We get to know you and your financial planning and retirement planning needs, and every piece of guidance we give you or decision we make with regard to your wealth is made with the best interest of you and your family in mind.
Who Does the Retirement Consultant Work For?
A lot of Arnold, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and therefore may not have a wide range of investing options they are able to provide you with, or may push products or mutual funds that are not genuinely in your best interest. Your Correct Capital retirement consultant works for you and will act as your advocate. We give you our I.O.U. promise: we are independent, objective, and offer unbiased advice. We are not connected with any single financial institution, and therefore will evaluate a plethora of investment options to find the ones that fit best with you and your needs. Our advice is based on knowledge, experience, in-depth data and analytics, and how we can best serve our Arnold, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially shrewd Arnold, MO residents can find it complicated to weigh all of their options when it comes to retirement planning. A trustworthy and savvy retirement consultant can help you best determine how to manage your savings and retirement funds. Among the facets of retirement planning Correct Capital will discuss with you are:
- Tax Implications. How much you pay in taxes and when you pay them depends on which kind of account, 401(k), or IRA you saved your money in.
- What Age to Retire. The Social Security Agency stipulates your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will be altered if you retire before or after your FRA. As our retirement consultants at Correct Capital get to know you, they will develop a retirement plan for you that includes the ideal age for you to leave the workforce.
- When to Withdraw Money, and How Much to Withdraw. Depending on where your money is being saved and invested, the ideal timing and size of your withdrawals will vary. Different types of accounts have different regulations, such as minimum withdrawals once you reach a certain age.
- Determine a Retirement Budget. The type of lifestyle you want, together with how much you were able to save and your age, will determine your retirement budget. An accomplished Arnold, MO retirement consultant can help you increase the amount of money you have for your budget.
- Your Current Risk Tolerance. You may have a higher tolerance for, or aversion to risk, based on how close you are to your retirement age.
At Correct Capital, our Arnold, MO retirement planning professionals examine the full scope of your finances so each element of your retirement planning is well thought out and optimized.
Take a look at the links below to see what other financial services we offer:
- Succession Planning
- Fiduciary Financial Advisor
- Company 401(k) Plans
- ESOP Advisor
- Self-Employed Retirement Plans
Contact a Arnold, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Arnold, MO Correct Capital retirement consultant will help you feel confident and at ease about you and your family’s future. Our retirement plan professionals have over 30 years of experience helping Arnold, MO residents and families live the life they dreamed of in their golden years. As fiduciary financial advisors, we are legally and ethically obligated to always act in your best interest. To learn more about how we can help you achieve your financial goals, call us at 877-930-4015 or contact us online.
