Retirement Consultant Creve Coeur, MO. Whether you plan on filling your golden years with trips to Maui, driving around the hills in a classic sports car, smoking cigars on the front porch, or leaving the biggest possible inheritance behind for your family as possible, you require a devoted and knowledgeable retirement consultant to help you achieve your dreams. Regardless of where you are in life at the moment, the Creve Coeur, MO retirement planning advisors at Correct Capital will implement a customized 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 who you are so that we can best understand how we can help you reach your goals. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a plethora of research and data, and we know 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 Creve Coeur, 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 chief among them is how to choose a Creve Coeur, MO retirement consultant you can trust. There are a lot of of important elements to evaluate when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anybody can use pretend titles like “retirement specialists,” and many certifications are awarded through short study and easy exams, or pertain more to advertising than retirement planning. Correct Capital is an accomplished and trustworthy 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, committed study, and passing exhaustive tests. You can believe 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 bound by one of two sets of standards:
- 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 not necessarily the client’s best interest. As such, a broker that follows the suitability standard has no legal duty to follow your best interests instead of their own, and they also have to listen to the broker-dealers they work for. This might mean they give you retirement advice based on the commission they could get, or are pushing products that aren’t necessarily in your best interest.
- Fiduciary Standard: This standard is overseen by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally compelled to follow it. We are obligated to have your best interest at heart, behave with the deftness and good judgement 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.
The relationship between a Correct Capital retirement consultant and our Creve Coeur, 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 every piece of guidance we give you or decision we make concerning 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 Creve Coeur, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and therefore might be limited in the investing options they are able to 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 therefore will analyze a variety of investment options 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 Creve Coeur, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially smart Creve Coeur, MO residents can find it hard to weigh all of their options regarding their 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. 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 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 optimal 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, as well as how much you were able to save and your age, will determine your retirement budget. An accomplished Creve Coeur, MO retirement consultant can help you raise the amount of savings 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 Creve Coeur, MO retirement planning consultants 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:
- Succession Planning
- Fiduciary Financial Advisor
- Company 401(k) Plans
- ESOP Advisor
- Self-Employed Retirement Plans
- 401(k) For Small Business
- Small Business Retirement Plans
- Tax Planning
Contact a Creve Coeur, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Creve Coeur, MO Correct Capital retirement consultant will help you feel confident and at ease about you and your family’s future. Our retirement plan professionals have over 30 years of experience helping Creve Coeur, 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 accomplish your retirement goals, call us at 877-930-4015 or contact us online.
