Retirement Consultant in Belleville, IL

Retirement Consultant Belleville, IL. Whether you have your heart set on filling your golden years with vacations to Maui, cruising through town in a vintage sports car, hanging out on the front porch, or leaving the biggest possible inheritance behind for future generations as possible, you need a devoted and experienced retirement consultant to help you reach your objectives. No matter where you are in life at the moment, the Belleville, IL 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 314-930-401K 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 in order to best understand how we can help you reach your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a plethora 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 give you objective and unbiased advice. As fiduciary financial advisors, trust is at the center of our relationships with all our Belleville, IL 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 your retirement and retirement planning, and principal among them is how to choose a Belleville, IL retirement consultant you can trust. There are many 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 certain certifications are given through short study and easy exams, or have more to do with marketing than financial planning. Correct Capital is an accomplished and trustworthy team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be acquired through years of experience, extra education requirements, committed study, and passing comprehensive exams. You can be sure that your Correct Capital retirement consultant has the experience and knowledge to effectively manage your retirement planning.


Is the Retirement Consultant a Fiduciary?

Investment professionals are bound by one of two sets of standards:

  1. 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. As such, a broker that complies with 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 give you retirement advice based on the commission they could receive, or are selling products that aren’t necessarily in your best interest.
  2. 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, manage your account with the skill and discernment of a professional, strive to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in your best interest.

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 regarding your wealth is made with the best interest of you and your family at heart.

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 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 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 affiliated with any one 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 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 difficult to weigh all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best judge how to manage your savings and retirement funds. Among the aspects of retirement planning Correct Capital can help with 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 decides your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will be altered if you retire earlier or later than your FRA. As our retirement consultants at Correct Capital get to know you, they will draw up 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 optimal timing and size of your withdrawals will vary. Different kinds of accounts have different rules, such as minimum withdrawals after a certain age.
  • Determine a Retirement Budget. The kind of lifestyle you want, together with how much you were able to save and your age, will decide your retirement budget. A talented Belleville, IL 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 Belleville, IL retirement planning professionals examine the complete picture of your finances so each element of your retirement planning is attended to and optimized.

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Contact a Belleville, IL Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your Belleville, IL Correct Capital retirement consultant will help you feel confident and at ease about how your wealth is growing for the future. Our retirement plan professionals 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 accomplish your financial goals, call us at 314-930-401K or contact us online.


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