Retirement Consultant in Chesterfield, MO

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Retirement Consultant Chesterfield, MO. Whether you dream of filling your golden years with holidays in Cartagena, driving around the hills in a vintage sports car, smoking cigars on the back porch, or leaving the biggest possible inheritance behind for your family as possible, you require a devoted and experienced retirement consultant to help you reach your objectives. Wherever you are in life now, the Chesterfield, MO retirement planning advisors at Correct Capital will construct 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 start by getting to know who you are so that we can best understand how we can help you achieve your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to an abundance of research and data, and knowledge of the best strategies to use in the interest of growing 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, trust is at the core of our relationships with all our Chesterfield, MO clients, and we want you to have peace of mind that we have your best interest at heart.



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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 essential is how to decide on a Chesterfield, MO retirement consultant you can trust. There are a variety of important elements to think about when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anyone can use made up titles like “retirement specialists,” and many certifications are awarded through short study and easy exams, or focus more on advertising than retirement planning. Correct Capital is an experienced and honest team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be attained through years of experience, extra education requirements, determined study, and passing comprehensive tests. 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 states that an investment professional must pick planning and investment options that are “suitable” for their clients, but not necessarily the client’s best interest. As such, a broker that complies with the suitability standard carries no legal obligation to work for your best interests instead of their own, and they also have to listen to the broker-dealers they work for. This might mean they make decisions with your money based on the commission they might be paid, 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 deftness and discernment of a professional, strive 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 Chesterfield, MO clients that are built 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 concerning 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 consequently might not have a wide array of investing options they can offer you, 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 associated with any single 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 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 smart Chesterfield, MO residents can find it complicated to balance 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 factors of retirement planning Correct Capital will discuss with you are:

  • Tax Implications. How much you pay in taxes and when you pay them depends on which type of account, 401(k), or IRA you saved your money in.
  • 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 change 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 best 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 size of your withdrawals will change. Different types of accounts have different regulations, such as minimum withdrawals after a certain age.
  • Calculate a Retirement Budget. The type of lifestyle you want, combined with how much you were able to save and your age, will determine your retirement budget. A talented Chesterfield, MO retirement consultant can help you increase the amount of savings you have for your budget.
  • Your Current Risk Tolerance. Depending on your age now and what age you plan to retire, your risk tolerance for certain investments will likely be different.

At Correct Capital, our Chesterfield, MO retirement planning advisors examine the complete picture of your finances so each aspect of your retirement planning is attended to and optimized.

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Contact a Chesterfield, MO Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your Chesterfield, 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 30 years 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 obligated to always act in your best interest. To discover more about how we can help you accomplish your retirement goals, call us at 314-930-401K or contact us online.


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