Retirement Consultant in Creve Coeur, MO

Retirement Consultant Creve Coeur, MO. Whether you have your heart set on filling your golden years with holidays in Paris, driving around town in a classic sports car, hanging out on the back porch, or leaving as much behind for your grandkids as possible, you require a dedicated and knowledgeable retirement consultant to help you reach your goals. No matter where you are in life currently, the Creve Coeur, MO retirement planning advisors at Correct Capital will construct a customized 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 begin by getting to know who you are in order to best understand how we can help you realize your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a plethora of research and data, and knowledge of the best strategies to use in the interest of growing your wealth. We are independently owned and will never try to sell you on something we don’t believe in ourselves. As fiduciary financial advisors, trust is at the core of our relationships with all our Creve Coeur, 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

In all likelihood, you have a lot of questions about your retirement and retirement planning, and chief among them is how to pick a Creve Coeur, MO retirement consultant you can trust. There are many of important elements 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 awarded through short study and easy exams, or focus more on marketing than financial planning. Correct Capital is an accomplished and trustworthy 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 tests. You can trust 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 obligated to follow one of two sets of standards:

  1. Suitability Standard: This standard is regulated 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 interest. That means a broker that is bound by the suitability standard feels no legal duty to work for your best interests instead of their own, and they also have to listen to the broker-dealers they work for. This could mean they give you retirement advice based on the commission they might be paid, or are selling products that aren’t necessarily 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 compelled to comply with it. We are obligated to have your best interest at heart, manage your account with the skill and good judgement of a professional, strive to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.

The relationship between a Correct Capital retirement consultant and our Creve Coeur, 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 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 work for brokerages, banks, or other financial institutions, and consequently may not have a wide array of investing options they are able to provide you with, 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 associated with any single financial institution, and consequently will analyze a variety of investment opportunities to find the ones that work best for your individual needs. Our advice is grounded in 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 sharp Creve Coeur, MO residents can find it complicated 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 factors 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 kind of account, 401(k), or IRA you saved your money in.
  • What Age to Retire. The Social Security Agency defines your “full” or “normal” retirement age (FRA) based on the year you were born. 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 develop a retirement plan for you that includes the best 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 change. Different kinds of accounts have different regulations, for example minimum withdrawals once you reach a certain age.
  • Calculate a Retirement Budget. The way you want to live your life, combined with how much you were able to save and your age, will dictate your retirement budget. A knowledgeable Creve Coeur, MO retirement consultant can help you raise the amount of money 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 Creve Coeur, MO retirement planning consultants look at the complete picture of your finances so each aspect of your retirement planning is well thought out and optimized.

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Contact a Creve Coeur, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, 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 specialists have over three decades of experience helping Creve Coeur, 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 314-930-401K or contact us online.


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