Retirement Consultant in Cottleville, MO

Retirement Consultant Cottleville, MO. Whether you dream of filling your golden years with vacations to Cartagena, cruising through the hills in a brand new sports car, smoking cigars on the front porch, or leaving the biggest possible inheritance behind for your kids as possible, you require a dedicated and skilled retirement consultant to help you reach your objectives. No matter where you are in life currently, the Cottleville, 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 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 so that we can best understand how we can help you reach your dreams. 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 employ in order to grow your wealth. We are independently owned and will only offer you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Cottleville, 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 probably have a lot of questions about your retirement and retirement planning, and chief among them is how to pick a Cottleville, MO retirement consultant you can trust. There are many of important factors to evaluate when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anyone can use fictionalized titles like “retirement specialists,” and many certifications are given through short study and easy exams, or pertain more to advertising than financial planning. Correct Capital is an accomplished and honest team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be obtained through years of experience, extra education requirements, intense study, and passing exhaustive exams. You can be confident 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 bound by one of two sets of standards:

  1. Suitability Standard: This standard is set by the Financial Industry Regulatory Authority (FINRA), and vaguely asserts that an investment professional must choose planning and investment options that are “suitable” for their clients, but makes no mention of the client’s best option. That means a broker that complies with the suitability standard is under no legal obligation to follow your best interests instead of their own, and they also serve the broker-dealers who hire them. This could mean they give you retirement advice based on the commission they could get, or are pushing 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 put your best interests first, manage your account with the acuity and good judgement of a professional, try to avoid conflicts of interest, disclose unpreventable 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 Cottleville, 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 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?

A lot of Cottleville, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and thusly might be limited in the investing options they can offer you, 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 associated with any one financial institution, and thusly will evaluate a plethora of investment opportunities to find the ones that fit best with you and your needs. Our advice is built on knowledge, experience, in-depth data and analytics, and how we can best serve our Cottleville, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially shrewd Cottleville, MO residents can find it difficult to balance 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 facets of retirement planning Correct Capital can help with are:

  • Tax Implications. Depending on how your money was saved in different 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 different 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 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 best timing and amount of your withdrawals will vary. Different kinds 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, as well as how much you were able to save and your age, will determine your retirement budget. A knowledgeable Cottleville, MO retirement consultant can help you raise the amount of savings 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 Cottleville, MO retirement planning professionals examine the full scope of your finances so each detail of your retirement planning is paid attention to and optimized.

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Contact a Cottleville, MO Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your Cottleville, MO Correct Capital retirement consultant will help you feel assured and at ease about you and your family’s future. Our retirement plan advisors have over three decades of experience helping Cottleville, 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 find out more about how we can help you achieve your financial goals, call us at 314-930-401K or contact us online.


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