Retirement Consultant in Des Peres, MO

Retirement Consultant Des Peres, MO. Whether you plan on filling your golden years with vacations to Cabo, driving through the city in a brand new sports car, hanging out on the back porch, or leaving the biggest possible inheritance behind for your kids as possible, you require a devoted and experienced retirement consultant to help you realize your objectives. Regardless of where you are in life currently, the Des Peres, 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 personal retirement goals will dictate what you require from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will begin by getting to know you personally so that we can recognize how we can help you achieve your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to an abundance of research and data, and understanding of the best strategies to employ in the interest of growing your wealth. We are independently owned and will only give you objective and unbiased advice. 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

You likely have a lot of questions about how to best start your retirement planning, and one of the most important is how to choose a Des Peres, MO retirement consultant you can trust. There are a number of important factors to think about when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anybody can use fictionalized titles like “retirement specialists,” and certain certifications are given through short study and easy exams, or have more to do with advertising than retirement planning. Correct Capital is an experienced and honest team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be achieved through years of experience, extra education requirements, intense study, and passing exhaustive exams. You can trust 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:

  1. Suitability Standard: This standard is regulated 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 not necessarily the client’s best interest. Therefore, a broker that follows the suitability standard has no legal obligation to follow your best interests instead of their own, and they also serve the broker-dealers they work for. This could mean they make decisions with your money based on the commission they might be paid, or are pushing products that aren’t necessarily in your best interest.
  2. Fiduciary Standard: This standard is set by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally compelled to follow it. We are obligated to put your best interests first, act with the skill and good judgement of a professional, try to avoid conflicts of interest, disclose unavoidable 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 Des Peres, 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 advice 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 Des Peres, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and thusly may not have a wide range of 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 associated with any one financial institution, and therefore will analyze a variety of investment opportunities to find the ones that fit best with you and your 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 smart Des Peres, MO residents can find it hard to balance all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best judge how to manage your savings and retirement funds. Among the aspects 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 stipulates 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 earlier or later than your FRA. As our retirement consultants at Correct Capital come to understand who you are and what you need, 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 best timing and size of your withdrawals will change. Different kinds of accounts have different regulations, for example minimum withdrawals after a certain age.
  • Determine 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 talented 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 professionals look at the complete picture of your finances so each detail of your retirement planning is paid attention to and optimized.

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Contact a Des Peres, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Des Peres, MO Correct Capital retirement consultant will help you feel assured and relaxed about you and your family’s future. Our retirement plan specialists 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 obligated to always act in your best interest. To discover more about how we can help you realize your retirement goals, call us at 314-930-401K or contact us online.


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