Retirement Consultant in Chesterfield, MO

Retirement Consultant Chesterfield, MO. Whether you plan on filling your golden years with holidays in Cartagena, cruising around town in a brand new sports car, hanging out on the back porch, or leaving as much behind for your kids as possible, you require a dedicated and skilled retirement consultant to help you reach your dreams. Wherever you are in life now, the Chesterfield, MO retirement planning advisors at Correct Capital will design 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 require 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 reach 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 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 Chesterfield, 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 decide on a Chesterfield, MO retirement consultant you can believe in. There are many of important elements to think about when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anybody can use fictionalized titles like “retirement specialists,” and many certifications are given through short study and easy exams, or pertain more to advertising than retirement planning. Correct Capital is a knowledgeable and honest team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be acquired through years of experience, extra education requirements, intense study, and passing exhaustive tests. 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 obligated to follow one of two sets of standards:

  1. Suitability Standard: This standard is set by the Financial Industry Regulatory Authority (FINRA), and vaguely says that an investment professional must choose planning and investment options that are “suitable” for their clients, but makes no mention of the client’s best option. That means a broker that complies with the suitability standard is under no legal duty to work for your best interests instead of their own, and they also have to listen to the broker-dealers who hire them. This might mean they give you retirement advice based on the commission they might get, or are pushing products that aren’t necessarily in your best interest.
  2. Fiduciary Standard: This standard is set by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally bound to it. We are obligated to have your best interest at heart, behave with the skill and good judgement 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.

At Correct Capital, we build personal relationships with our Chesterfield, MO clients that are based on trust. We get to know you and your financial planning and retirement planning needs, and every piece of guidance we give you or decision we make with regard to 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 Chesterfield, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and therefore may be limited in the investing options they can 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 associated with any single financial institution, and therefore will analyze a multitude of investment options to find the ones that fit best with you and your needs. Our advice is based on knowledge, experience, in-depth data and analytics, and how we can best serve our Chesterfield, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially astute Chesterfield, 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 determine 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 decides 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 draw up 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 amount of your withdrawals will change. Different types of accounts have different rules, such as minimum withdrawals once you reach a certain age.
  • Determine a Retirement Budget. The way you want to live your life, as well as how much you were able to save and your age, will determine your retirement budget. A talented Chesterfield, 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 Chesterfield, MO retirement planning consultants 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 Chesterfield, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Chesterfield, MO Correct Capital retirement consultant will help you feel assured and relaxed about you and your family’s future. Our retirement plan advisors have over three decades of experience helping Chesterfield, MO residents and families live the life they dreamed of in their golden years. 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 realize your financial goals, call us at 314-930-401K or contact us online.


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