Retirement Consultant Des Peres, MO. Whether you plan on filling your golden years with vacations to Cabo, driving around the city in a brand new sports car, hanging out on the front porch, or leaving the biggest possible inheritance behind for future generations as possible, you need a devoted and knowledgeable retirement consultant to help you achieve your goals. Regardless of where you are in life currently, the Des Peres, 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 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 begin by getting to know you personally so that we can best understand how we can help you realize your goals. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wide array 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 give you objective and unbiased advice. As fiduciary financial advisors, trust is at the core 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 your retirement and retirement planning, and one of the most important is how to decide on a Des Peres, MO retirement consultant you can trust. There are a variety of important facets to evaluate when hiring a retirement consultant.
What Qualifications Does a Retirement Consultant Have?
Anyone can use pretend titles like “retirement specialists,” and some certifications are awarded through short study and easy exams, or have more to do with advertising than financial planning. Correct Capital is a knowledgeable and honest 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, determined study, and passing comprehensive tests. 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:
- Suitability Standard: This standard is determined by the Financial Industry Regulatory Authority (FINRA), and vaguely states 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. Therefore, a broker that follows the suitability standard feels no legal duty to work for 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 could receive, or are pushing products that might not be in your best interest.
- Fiduciary Standard: This standard is regulated by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally bound to it. We are obligated to put your best interests first, manage your account with the skill and discernment of a professional, strive to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.
At Correct Capital, we build personal relationships with our Des Peres, MO clients that are built on trust. 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 Des Peres, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently may be limited in the investing options they are able to offer you, 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 affiliated with any one financial institution, and consequently will evaluate a multitude 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 sharp Des Peres, MO residents can find it complex to weigh all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best determine how to manage your savings and retirement funds. Among the aspects 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 stipulates your “full” or “normal” retirement age (FRA) based on your birth year. 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 create 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 differ. Different kinds of accounts have different rules, such as minimum withdrawals after a certain age.
- Determine a Retirement Budget. The way you want to live your life, together with how much you were able to save and your age, will decide your retirement budget. A skilled Des Peres, MO retirement consultant can help you increase 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 Des Peres, MO retirement planning advisors examine the full scope of your finances so each detail 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
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 at ease about you and your family’s future. Our retirement plan professionals have over 30 years of experience helping Des Peres, MO residents and families live the life they dreamed of in their retirement. As fiduciary financial advisors, we are legally and ethically obligated to always act in your best interest. To find out more about how we can help you meet your retirement goals, call us at 877-930-4015 or contact us online.
