Retirement Consultant in Dardenne Prairie, MO

Retirement Consultant Dardenne Prairie, MO. Whether you plan on filling your golden years with trips to Paris, cruising around town in a brand new sports car, hanging out on the back porch, or leaving as much behind for your kids as possible, you require a committed and skilled retirement consultant to help you realize your goals. No matter where you are in life now, the Dardenne Prairie, MO retirement planning advisors at Correct Capital will create 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 recognize how we can help you realize your objectives. 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 employ in the interest of growing your wealth. We are independently owned and will only offer you objective and unbiased advice. As fiduciary financial advisors, trust is at the center of our relationships with all our Dardenne Prairie, 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 how to best start your retirement planning, and one of the most essential is how to pick a Dardenne Prairie, MO retirement consultant you can believe in. There are a number of important elements to consider when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anyone can use made up titles like “retirement specialists,” and many certifications are given through short study and easy exams, or pertain more to marketing 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 comprehensive exams. You can be sure 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 set by the Financial Industry Regulatory Authority (FINRA), and vaguely says 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 is bound by the suitability standard has no legal obligation to work for your best interests instead of their own, and they also have to listen to the broker-dealers who employ them. This might mean they make decisions with your money based on the commission they might 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 compelled to follow it. We are obligated to have your best interest at heart, behave with the acuity and discernment of a professional, strive to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in your best interest.

The relationship between a Correct Capital retirement consultant and our Dardenne Prairie, 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 each piece of guidance we give you or decision we make concerning 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 Dardenne Prairie, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore might not have a wide array of investing options they are able to provide you with, or may sell you 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 connected with any one financial institution, and thusly will evaluate a plethora of investment options to find the ones that work best for your individual needs. Our advice is built on knowledge, experience, in-depth data and analytics, and how we can best serve our Dardenne Prairie, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially shrewd Dardenne Prairie, 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 can help with are:

  • Tax Implications. Depending on how your money was saved in various types 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 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 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 rules, for example minimum withdrawals once you reach a certain age.
  • Calculate a Retirement Budget. The kind of lifestyle you want, as well as how much you were able to save and your age, will dictate your retirement budget. A knowledgeable Dardenne Prairie, 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 Dardenne Prairie, MO retirement planning consultants look at 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 Dardenne Prairie, MO Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your Dardenne Prairie, MO Correct Capital retirement consultant will help you feel confident and relaxed about how your wealth is growing for the future. Our retirement plan specialists have over three decades of experience helping Dardenne Prairie, MO residents and families live the life they dreamed of in their retirement. As fiduciary financial advisors, we are legally and ethically compelled to always act in your best interest. To discover 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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