Retirement Consultant in Clayton, MO

Retirement Consultant Clayton, MO. Whether you plan on filling your golden years with trips to Cartagena, cruising around town in a vintage sports car, hanging out on the back porch, or leaving the biggest possible inheritance behind for future generations as possible, you need a committed and experienced retirement consultant to help you reach your dreams. Wherever you are in life at the moment, the Clayton, MO retirement planning advisors at Correct Capital will create 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 start by getting to know who you are so that we can best realize how we can help you realize your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wealth 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 Clayton, MO clients, and we want you to have 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 chief among them is how to decide on a Clayton, MO retirement consultant you can trust. 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 made up titles like “retirement specialists,” and some certifications are awarded through short study and easy exams, or pertain more to marketing than financial planning. Correct Capital is an experienced and honest team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be attained through years of experience, extra education requirements, committed study, and passing exhaustive tests. You can believe 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 makes no mention of the client’s best option. As such, a broker that complies with the suitability standard feels 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 get, or are selling 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 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 your best interest.

At Correct Capital, we build personal relationships with our Clayton, MO clients that are based on trust. We get to know you and your financial planning and retirement planning needs, and each 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 at heart.

Who Does the Retirement Consultant Work For?

Many Clayton, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore may not have a wide range of investing options they can provide you with, or may sell you 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 one financial institution, and thusly will evaluate a multitude 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 Clayton, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially smart Clayton, MO residents can find it difficult to weigh all of their options when it comes to retirement planning. A trustworthy and savvy retirement consultant can help you best decide how to manage your savings and retirement funds. Among the factors of retirement planning Correct Capital will discuss with you are:

  • Tax Implications. Depending on how your money was saved in various kinds 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 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 develop 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 optimal timing and amount of your withdrawals will differ. Different kinds of accounts have different regulations, such as minimum withdrawals after 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 Clayton, MO retirement consultant can help you increase 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 Clayton, MO retirement planning advisors look at the full scope of your finances so each element of your retirement planning is attended to and optimized.

Take a look at the links below to see what other financial services we offer:


Contact a Clayton, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Clayton, MO Correct Capital retirement consultant will help you feel assured and relaxed about you and your family’s future. Our retirement plan specialists have over three decades of experience helping Clayton, 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 achieve your financial goals, call us at 314-930-401K or contact us online.


Are you ready to experience the Correct Capital difference?

GET STARTED

Meet our team of financial advisors.

Our Team

Services We Offer