Retirement Consultant in Brentwood, MO

Retirement Consultant Brentwood, MO. Whether you have your heart set on filling your golden years with trips to Cartagena, cruising through town in a classic sports car, hanging out on the front porch, or leaving as much behind for your family as possible, you need a dedicated and experienced retirement consultant to help you achieve your goals. No matter where you are in life at the moment, the Brentwood, MO retirement planning advisors at Correct Capital will implement 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 you personally in order to best realize how we can help you realize your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a plethora of research and data, and knowledge of 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 Brentwood, MO clients begins with trust and your peace of mind that we have your best interest at heart.

How to Choose the Right Retirement Consultant for You

You likely have a lot of questions about how to best start your retirement planning, and one of the most vital is how to pick a Brentwood, MO retirement consultant you can trust. There are a number of important factors to evaluate when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anybody can use pretend titles like “retirement specialists,” and certain certifications are received through short study and easy exams, or pertain more to advertising than financial planning. Correct Capital is an experienced and honest team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be attained 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 effectively manage your retirement planning.


Is the Retirement Consultant a Fiduciary?

Investment professionals are required to follow one of two sets of standards:

  1. Suitability Standard: This standard is overseen 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. Therefore, a broker that is bound by the suitability standard feels no legal obligation to follow your best interests instead of their own, and they also have to listen to the broker-dealers who employ them. This might mean they give you retirement advice based on the commission they might get, 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 compelled to comply with it. We are obligated to have your best interest at heart, act with the skill and good judgement of a professional, try 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 Brentwood, MO 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 with regard to your wealth is made with the best interest of you and your family at heart.

Who Does the Retirement Consultant Work For?

Many Brentwood, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently might not have a wide range of investing options they are able to provide you with, 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 affiliated with any one financial institution, and consequently will evaluate a variety 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 Brentwood, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially smart Brentwood, MO residents can find it complicated to weigh 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 factors of retirement planning Correct Capital can help with are:

  • Tax Implications. Depending on how your money was saved in different types 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 be different if you retire before or after your FRA. As our retirement consultants at Correct Capital get to know you, they will create a retirement plan for you that includes the best 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 best timing and size of your withdrawals will differ. Different types of accounts have different rules, for example minimum withdrawals once you reach a certain age.
  • Calculate a Retirement Budget. The way you want to live your life, together with how much you were able to save and your age, will dictate your retirement budget. A knowledgeable Brentwood, MO retirement consultant can help you increase the amount of funds 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 Brentwood, MO retirement planning professionals examine the complete picture of your finances so each facet of your retirement planning is well thought out and optimized.

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Contact a Brentwood, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Brentwood, MO Correct Capital retirement consultant will help you feel confident and relaxed about you and your family’s future. Our retirement plan professionals have over three decades of experience helping Brentwood, 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 achieve your retirement goals, call us at 314-930-401K or contact us online.


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