Retirement Consultant Des Peres, MO. Whether you have your heart set on filling your golden years with vacations to Cartagena, cruising around the city in a classic sports car, smoking cigars on the back porch, or leaving the biggest possible inheritance behind for your grandkids as possible, you require a committed and experienced retirement consultant to help you realize your objectives. Regardless of where you are in life at the moment, the Des Peres, MO retirement planning advisors at Correct Capital will construct 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 personal retirement goals will decide what you need from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will start by getting to know you personally 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 wide array of research and data, and knowledge of the best strategies to utilize 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 center of our relationships with all our Des Peres, 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 chief among them is how to pick a Des Peres, MO retirement consultant you can believe in. There are a lot of of important factors to consider when hiring a retirement consultant.
What Qualifications 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 marketing than financial planning. Correct Capital is an accomplished and honest team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be achieved through years of experience, extra education requirements, determined study, and passing exhaustive tests. You can be confident that your Correct Capital retirement consultant has the experience and knowledge to successfully manage 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 regulated by the Financial Industry Regulatory Authority (FINRA), and vaguely states that an investment professional must choose planning and investment options that are “suitable” for their clients, but not necessarily the client’s best option. Therefore, a broker that complies with the suitability standard carries no legal duty to follow your best interests instead of their own, and they also serve the broker-dealers they work for. This might mean they give you retirement advice based on the commission they might get, or are selling products that aren’t necessarily in your best interest.
- Fiduciary Standard: This standard is set 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 deftness and discernment 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.
At Correct Capital, we build personal relationships with our Des Peres, MO clients that are based on trust. 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?
Many Des Peres, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and thusly might not have a wide range of investing options they can provide you with, or may push products or mutual funds that are not really 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 opportunities 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 Des Peres, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially sharp Des Peres, 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 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 defines your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will change if you retire before or after your FRA. As our retirement consultants at Correct Capital get to know you, they will draw up 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 ideal timing and size of your withdrawals will vary. Different types of accounts have different rules, such as minimum withdrawals after a certain age.
- Determine 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. An accomplished Des Peres, MO retirement consultant can help you increase the amount of funds 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 Des Peres, MO retirement planning advisors look at the full scope of your finances so each aspect of your retirement planning is well thought out and optimized.
Take a look at the links below to see what other financial services we offer:
- Fiduciary Financial Advisor
- Company 401(k) Plans
- ESOP Advisor
- Self-Employed Retirement Plans
- 401(k) For Small Business
- Small Business Retirement Plans
- Tax Planning
- Social Security Consultants Near Me
- Retirement Calculator
- Retirement Planning
Contact a Des Peres, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Des Peres, MO Correct Capital retirement consultant will help you feel confident and relaxed about how your wealth is growing for the future. Our retirement plan advisors have over three decades of experience helping Des Peres, MO residents and families live the life they dreamed of in their golden years. 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 accomplish your financial goals, call us at 314-930-401K or contact us online.