Retirement Consultant Belleville, IL. Whether you dream of filling your golden years with vacations to Cartagena, driving around the hills in a classic sports car, hanging out on the back porch, or leaving as much behind for your family as possible, you need a committed and experienced retirement consultant to help you reach your dreams. Regardless of where you are in life at the moment, the Belleville, IL retirement planning advisors at Correct Capital will implement 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 who you are so that we can best understand how we can help you reach your goals. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wide array of research and data, and we know the best strategies to use in order to grow your wealth. We are independently owned and will only offer you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Belleville, IL 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
You probably have a lot of questions about how to best start your retirement planning, and principal among them is how to choose a Belleville, IL retirement consultant you can believe in. There are a number of important factors to evaluate when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anyone can use pretend titles like “retirement specialists,” and some certifications are given through short study and easy exams, or focus more on advertising than retirement planning. Correct Capital is a knowledgeable and honest team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be obtained through years of experience, extra education requirements, committed study, and passing exhaustive exams. You can be sure that your Correct Capital retirement consultant has the experience and knowledge to successfully advise you in your retirement planning.
Is the Retirement Consultant a Fiduciary?
Investment professionals are bound by one of two sets of standards:
- Suitability Standard: This standard is determined 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 not necessarily the client’s best option. That means a broker that is bound by the suitability standard has no legal obligation to follow your best interests instead of their own, and they also have to listen to the broker-dealers they work for. This could mean they make decisions with your money based on the commission they might get, or are selling products that might not be in your best interest.
- Fiduciary Standard: This standard is overseen by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally bound to it. We are obligated to put your best interests first, behave with the skill and good judgement of a professional, strive to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in the way that’s best for your and your money.
At Correct Capital, we build personal relationships with our Belleville, IL clients that are built on trust. We get to know you and your financial planning and retirement planning needs, and every piece of advice we give you or decision we make concerning 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 Belleville, IL financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and thusly might not have a wide range of investing options they can provide you with, or may sell you products or mutual funds that are not really 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 thusly will evaluate a plethora of investment options to find the ones that fit best with you and your needs. Our advice is grounded in knowledge, experience, in-depth data and analytics, and how we can best serve our Belleville, IL clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially smart Belleville, IL 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 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 type 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 the year you were born. The social security benefits you receive will be different if you retire before or after your FRA. As our retirement consultants at Correct Capital come to understand who you are and what you need, they will create a retirement plan for you that includes the ideal age for you to retire.
- When to Withdraw Money, and How Much to Withdraw. Depending on where your money is being saved and invested, the best timing and size of your withdrawals will vary. Different kinds of accounts have different regulations, such as minimum withdrawals after a certain age.
- Calculate a Retirement Budget. The way you want to live your life, combined with how much you were able to save and your age, will dictate your retirement budget. A talented Belleville, IL retirement consultant can help you raise 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 Belleville, IL retirement planning advisors examine the complete picture of your finances so each facet of your retirement planning is paid attention to and optimized.
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Contact a Belleville, IL Retirement Consultant Today | Correct Capital
Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Belleville, IL Correct Capital retirement consultant will help you feel assured and relaxed about you and your family’s future. Our retirement plan advisors have over 30 years of experience helping Belleville, IL residents and families live the life they dreamed of in their retirement. As fiduciary financial advisors, we are legally and ethically compelled to always act in your best interest. To discover more about how we can help you achieve your retirement goals, call us at 877-930-4015 or contact us online.
