Retirement Consultant Ballwin, MO. Whether you dream of filling your golden years with holidays in Cabo, driving around the hills in a vintage sports car, hanging out on the front porch, or leaving as much behind for your grandkids as possible, you require a dedicated and experienced retirement consultant to help you reach your dreams. Regardless of where you are in life currently, the Ballwin, MO retirement planning advisors at Correct Capital will design a personalized 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 personal retirement goals will determine what you need from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will begin by getting to know you personally in order to best understand how we can help you realize your goals. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wide array of research and data, and understanding of the best strategies to employ in the interest of growing your wealth. We are independently owned and will never try to sell you on something we don’t believe in ourselves. As fiduciary financial advisors, our relationship with our Ballwin, MO clients begins with trust and your peace of mind that we have your best interest at heart.
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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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How to Choose the Right Retirement Consultant for You
In all likelihood, you have a lot of questions about your retirement and retirement planning, and one of the most vital is how to choose a Ballwin, MO retirement consultant you can trust. There are a number of important elements to consider when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anybody can use fictionalized titles like “retirement specialists,” and many certifications are given through short study and easy exams, or focus more on marketing than retirement planning. Correct Capital is an accomplished and trustworthy 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 exams. You can trust that your Correct Capital retirement consultant has the experience and knowledge to effectively advise you in your retirement planning.
Is the Retirement Consultant a Fiduciary?
Investment professionals are obligated to follow one of two sets of standards:
- Suitability Standard: This standard is regulated by the Financial Industry Regulatory Authority (FINRA), and vaguely says 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. Therefore, a broker that follows the suitability standard has no legal obligation to work for your best interests instead of their own, and they also have to listen to the broker-dealers who employ them. This could mean they give you retirement advice based on the commission they could receive, or are selling products that aren’t necessarily 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 compelled to comply with it. We are obligated to put your best interests first, act with the deftness and good judgement of a professional, endeavor to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.
At Correct Capital, we build personal relationships with our Ballwin, MO clients that are built on trust. We get to know you and your financial planning and retirement planning needs, and every recommendation we give you or decision we make regarding 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 Ballwin, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and thusly might not have a wide array of investing options they can offer you, or may sell you products or mutual funds that are not actually 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 associated with any single financial institution, and consequently will evaluate a multitude of investment opportunities to find the ones that work best for your individual needs. Our advice is grounded in knowledge, experience, in-depth data and analytics, and how we can best serve our Ballwin, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially astute Ballwin, MO residents can find it complicated to balance all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best decide how to manage your savings and retirement funds. Among the aspects of retirement planning Correct Capital will discuss with you are:
- Tax Implications. Depending on how your money was saved in different kinds of accounts, 401(k)s, or IRAs, there can be a lot of variance in how much you will pay in taxes and when you will pay them.
- What Age to Retire. The Social Security Agency stipulates your “full” or “normal” retirement age (FRA) based on the year you were born. The social security benefits you receive will vary if you retire earlier or later than your FRA. As our retirement consultants at Correct Capital come to understand who you are and what you need, they will develop a retirement plan for you that includes the best age for you to stop working.
- When to Withdraw Money, and How Much to Withdraw. Depending on where your money is being saved and invested, the best timing and amount of your withdrawals will vary. Different kinds of accounts have different regulations, such as minimum withdrawals after a certain age.
- Determine a Retirement Budget. The way you want to live your life, as well as how much you were able to save and your age, will decide your retirement budget. An accomplished Ballwin, MO retirement consultant can help you increase the amount of savings 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 Ballwin, MO retirement planning consultants examine the full scope of your finances so each element of your retirement planning is well thought out and optimized.
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Contact a Ballwin, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Ballwin, MO Correct Capital retirement consultant will help you feel assured and at ease about how your wealth is growing for the future. Our retirement plan advisors have over three decades of experience helping Ballwin, MO residents and families live the life they dreamed of in their golden years. As fiduciary financial advisors, we are legally and ethically bound to always act in your best interest. To learn more about how we can help you accomplish your retirement goals, call us at 877-930-4015 or contact us online.
