Retirement Consultant in Chesterfield, MO

Retirement Consultant Chesterfield, MO. Whether you have your heart set on filling your golden years with trips to Maui, driving through town in a brand new sports car, hanging out on the back porch, or leaving the biggest possible inheritance behind for your family as possible, you need a devoted and knowledgeable retirement consultant to help you achieve your objectives. No matter where you are in life currently, the Chesterfield, MO retirement planning advisors at Correct Capital will design 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 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 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

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 choose a Chesterfield, MO retirement consultant you can believe in. There are a number 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 some certifications are received through short study and easy exams, or focus more on marketing than retirement planning. Correct Capital is a knowledgeable and trustworthy team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be obtained 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 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 regulated 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 not necessarily the client’s best interest. That means a broker that is bound by the suitability standard is under no legal duty 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 might be paid, or are selling products that might not be 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 bound to it. We are obligated to have your best interest at heart, behave 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 Chesterfield, 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 recommendation we give you or decision we make regarding your wealth is made with the best interest of you and your family in mind.

Who Does the Retirement Consultant Work For?

Many Chesterfield, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore may be limited in the investing options they can offer you, or may push 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 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 sharp 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 judge 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 type 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 be altered if you retire before or after 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 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 optimal timing and size of your withdrawals will change. Different kinds of accounts have different rules, for example minimum withdrawals after 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 decide your retirement budget. A talented Chesterfield, MO retirement consultant can help you increase the amount of funds 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 professionals look at the full scope of your finances so each aspect of your retirement planning is well thought out 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 assured and at ease about you and your family’s future. Our retirement plan professionals have over three decades of experience helping Chesterfield, MO residents and families live the life they dreamed of in their retirement. As fiduciary financial advisors, we are legally and ethically bound to always act in your best interest. To find out more about how we can help you meet your retirement goals, call us at 314-930-401K or contact us online.


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