Retirement Consultant Central West End, MO. Whether you dream of filling your golden years with trips to Bora Bora, cruising around the city in a vintage sports car, smoking cigars on the front porch, or leaving as much behind for your kids as possible, you require a committed and knowledgeable retirement consultant to help you reach your dreams. Regardless of where you are in life currently, the Central West End, MO retirement planning advisors at Correct Capital will construct 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 personal retirement goals will decide what you require from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will start by getting to know who you are so that we can best realize 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 knowledge of the best strategies to utilize in order to grow 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 Central West End, 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 how to best start your retirement planning, and one of the most essential is how to pick a Central West End, MO retirement consultant you can believe in. There are a lot of of important facets 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 pertain more to marketing than retirement planning. Correct Capital is an accomplished 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, dedicated study, and passing exhaustive tests. You can believe 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 overseen by the Financial Industry Regulatory Authority (FINRA), and vaguely states that an investment professional must choose planning and investment options that are “suitable” for their clients, but not necessarily the client’s best interest. Therefore, a broker that complies with the suitability standard is under no legal obligation to follow your best interests instead of their own, and they also serve the broker-dealers they work for. This could mean they make decisions with your money based on the commission they could receive, or are selling products that aren’t necessarily in your best interest.
- Fiduciary Standard: This standard is set by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally compelled to follow it. We are obligated to put your best interests first, manage your account with the acuity and discernment of a professional, try to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in the way that’s best for your and your money.
The relationship between a Correct Capital retirement consultant and our Central West End, MO clients is built on trust and our personal relationship with each other. 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?
Many Central West End, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and thusly may be limited in the investing options they can provide you with, or may sell you 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 affiliated with any one financial institution, and consequently will analyze 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 Central West End, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially sharp Central West End, MO residents can find it complex 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 facets of retirement planning Correct Capital can help with 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 defines 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 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 size of your withdrawals will vary. Different types of accounts have different regulations, for example minimum withdrawals once you reach a certain age.
- Determine a Retirement Budget. The type of lifestyle you want, combined with how much you were able to save and your age, will decide your retirement budget. An accomplished Central West End, 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 Central West End, MO retirement planning consultants examine the complete picture of your finances so each facet 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 Central West End, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Central West End, MO Correct Capital retirement consultant will help you feel confident and at ease about how your wealth is growing for the future. Our retirement plan advisors have over three decades of experience helping Central West End, MO 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 find out more about how we can help you realize your retirement goals, call us at 877-930-4015 or contact us online.
