Retirement Consultant Concord, MO. Whether you dream of filling your golden years with trips to Cabo, driving through the city in a brand new sports car, hanging out on the front porch, or leaving the biggest possible inheritance behind for future generations as possible, you require a dedicated and skilled retirement consultant to help you reach your goals. No matter where you are in life currently, the Concord, 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 877-930-4015 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 you personally so that we can recognize how we can help you achieve your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to an abundance of research and data, and we know the best strategies to employ in the interest of growing your wealth. We are independently owned and will only give you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Concord, MO clients begins with trust and your peace of mind that we have your best interest at heart.
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Correct Capital Wealth Management's office is physically located in St. Louis, MO, but we serve clients throughout the United States in both personal financial planning and corporate retirement plans.
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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 principal among them is how to pick a Concord, MO retirement consultant you can believe in. There are a lot of of important factors to think about when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anyone can use pretend titles like “retirement specialists,” and certain certifications are given through short study and easy exams, or focus more on marketing 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 obtained through years of experience, extra education requirements, committed study, and passing exhaustive tests. You can be sure that your Correct Capital retirement consultant has the experience and knowledge to effectively advise you in your retirement planning.
Is the Retirement Consultant a Fiduciary?
Investment professionals are required to follow one of two sets of standards:
- Suitability Standard: This standard is set by the Financial Industry Regulatory Authority (FINRA), and vaguely says 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 follows 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 might mean they make decisions with your money based on the commission they could receive, or are selling products that aren’t necessarily in your best interest.
- Fiduciary Standard: This standard is regulated 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, behave with the deftness and discernment of a professional, endeavor 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 Concord, 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?
A lot of Concord, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently might not have a wide range of investing options they are able to 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 affiliated with any single financial institution, and therefore will analyze a multitude of investment options 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 Concord, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially astute Concord, MO residents can find it hard to balance all of their options when it comes to retirement planning. A trustworthy and savvy retirement consultant can help you best judge how to manage your savings and retirement funds. Among the elements of retirement planning Correct Capital can help with 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 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 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 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 best timing and amount of your withdrawals will change. Different types of accounts have different regulations, for example minimum withdrawals once you reach a certain age.
- Determine a Retirement Budget. The way you want to live your life, together with how much you were able to save and your age, will decide your retirement budget. An accomplished Concord, 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 Concord, MO retirement planning advisors examine the full scope of your finances so each detail of your retirement planning is well thought out and optimized.
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Contact a Concord, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Concord, MO Correct Capital retirement consultant will help you feel confident and at ease about how your wealth is growing for the future. Our retirement plan advisors have over 30 years of experience helping Concord, 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 877-930-4015 or contact us online.
