Retirement Consultant in Central West End, MO

Retirement Consultant Central West End, MO. Whether you dream of filling your golden years with holidays in Cartagena, driving around the city in a classic sports car, smoking cigars on the back porch, or leaving as much behind for your grandkids as possible, you require a devoted and knowledgeable retirement consultant to help you realize your goals. No matter where you are in life now, 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 314-930-401K or fill out our online contact form.

Your personal retirement goals will decide 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 range 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 only give you objective and unbiased advice. 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.

How to Choose the Right Retirement Consultant for You

You probably have a lot of questions about your retirement and retirement planning, and one of the most important is how to decide on a Central West End, MO retirement consultant you can believe in. There are a number of important factors to think about when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anyone can use pretend titles like “retirement specialists,” and many certifications are given through short study and easy exams, or focus more on marketing than financial planning. Correct Capital is an experienced and honest team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be attained through years of experience, extra education requirements, dedicated study, and passing comprehensive tests. You can be confident 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 asserts 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 feels no legal obligation to work for your best interests instead of their own, and they also serve the broker-dealers who employ them. This could mean they give you retirement advice based on the commission they could receive, or are pushing products that aren’t necessarily in your best interest.
  2. 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 have your best interest at heart, act with the skill and discernment of a professional, try to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.

At Correct Capital, we build personal relationships with our Central West End, MO clients that are based on trust. We get to know you and your financial planning and retirement planning needs, and each recommendation 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 Central West End, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore may be limited in the investing options they are able to offer you, 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 connected with any one financial institution, and consequently will analyze 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 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 difficult to balance all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best determine how to manage your savings and retirement funds. Among the elements 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 defines your “full” or “normal” retirement age (FRA) based on your birth year. 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 create 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 regulations, such as minimum withdrawals once you reach 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 determine your retirement budget. A skilled Central West End, MO retirement consultant can help you raise 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 Central West End, MO retirement planning advisors 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 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 30 years 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 discover more about how we can help you achieve your financial goals, call us at 314-930-401K or contact us online.


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