Retirement Consultant in Clayton, MO

Retirement Consultant Clayton, MO. Whether you have your heart set on filling your golden years with holidays in Paris, driving around the city in a classic sports car, smoking cigars on the front porch, or leaving the biggest possible inheritance behind for future generations as possible, you require a devoted and skilled retirement consultant to help you achieve your objectives. No matter where you are in life currently, the Clayton, MO retirement planning advisors at Correct Capital will implement 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 dictate what you need 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 reach your goals. 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 utilize in the interest of growing your wealth. We are independently owned and will only offer you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Clayton, 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 your retirement and retirement planning, and one of the most vital is how to choose a Clayton, MO retirement consultant you can believe in. There are a lot of of important factors to consider when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anybody can use made up titles like “retirement specialists,” and certain certifications are received through short study and easy exams, or pertain more to advertising than financial planning. Correct Capital is an experienced 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 exams. You can believe 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 required to follow one of two sets of standards:

  1. Suitability Standard: This standard is determined 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. Therefore, a broker that is bound by 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 could mean they give you retirement advice based on the commission they could 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 compelled to comply with it. We are obligated to put your best interests first, manage your account with the acuity and discernment of a professional, strive 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 Clayton, MO clients is based on trust and our personal relationship with each other. We get to know you and your financial planning and retirement planning needs, and each recommendation 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 Clayton, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently may be limited in the 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 affiliated with any single financial institution, and thusly will analyze a variety of investment options to find the ones that fit best with you and your needs. Our advice is grounded in 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 astute Clayton, MO residents can find it complex 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 will discuss with you 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 change if you retire earlier or later than your FRA. As our retirement consultants at Correct Capital get to know you, they will create a retirement plan for you that includes the ideal age for you to stop working.
  • 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 types of accounts have different rules, for example minimum withdrawals once you reach a certain age.
  • Calculate a Retirement Budget. The type of lifestyle you want, as well as how much you were able to save and your age, will decide your retirement budget. A skilled Clayton, MO retirement consultant can help you raise 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 element of your retirement planning is well thought out and optimized.

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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 confident and relaxed about how your wealth is growing for the future. Our retirement plan advisors 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 find out more about how we can help you meet your financial goals, call us at 314-930-401K or contact us online.


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