Retirement Consultant Clayton, MO. Whether you plan on filling your golden years with holidays in Cartagena, driving around the hills in a brand new sports car, smoking cigars on the front porch, or leaving the biggest possible inheritance behind for your grandkids as possible, you require a committed and knowledgeable retirement consultant to help you reach your dreams. No matter where you are in life currently, the Clayton, MO retirement planning advisors at Correct Capital will create 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 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 so that we can best realize how we can help you achieve your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wide array of research and data, and understanding of the best strategies to use in the interest of growing your wealth. We are independently owned and will only give you objective and unbiased advice. As fiduciary financial advisors, trust is at the center 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
You likely have a lot of questions about your retirement and retirement planning, and principal among them is how to decide on a Clayton, MO retirement consultant you can trust. There are a lot of of important elements to consider 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 given through short study and easy exams, or pertain more to marketing than financial planning. Correct Capital is a knowledgeable 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, intense study, and passing comprehensive tests. You can believe that your Correct Capital retirement consultant has the experience and knowledge to successfully manage your retirement planning.
Is the Retirement Consultant a Fiduciary?
Investment professionals are obligated to follow one of two sets of standards:
- Suitability Standard: This standard is set 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 makes no mention of the client’s best interest. That means a broker that complies with the suitability standard has no legal duty to work for your best interests instead of their own, and they also serve the broker-dealers who employ them. This might mean they give you retirement advice based on the commission they could be paid, or are pushing products that might not be in your best interest.
- 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, act with the deftness and discernment of a professional, endeavor 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 Clayton, 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?
Many Clayton, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore might 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 connected with any single financial institution, and thusly will analyze a plethora of investment options to find the ones that work best for your individual needs. Our advice is built 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 sharp Clayton, 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 the year you were born. The social security benefits you receive will vary if you retire before or after your FRA. As our retirement consultants at Correct Capital get to know you, they will develop 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 optimal timing and size of your withdrawals will change. Different types of accounts have different rules, such as minimum withdrawals once you reach a certain age.
- Calculate a Retirement Budget. The kind of lifestyle you want, as well as how much you were able to save and your age, will dictate your retirement budget. A knowledgeable Clayton, MO retirement consultant can help you increase the amount of money 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 consultants look at the complete picture of your finances so each facet of your retirement planning is paid attention to and optimized.
Take a look at the links below to see what other financial services we offer:
- Company 401(k) Plans
- ESOP Advisor
- Self-Employed Retirement Plans
- 401(k) For Small Business
- Small Business Retirement Plans
- Tax Planning
- Social Security Consultants Near Me
- Retirement Calculator
- Retirement Planning
- Rollover 401(k)
Contact a Clayton, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Clayton, MO Correct Capital retirement consultant will help you feel confident 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 retirement. As fiduciary financial advisors, we are legally and ethically bound to always act in your best interest. To learn more about how we can help you realize your retirement goals, call us at 314-930-401K or contact us online.