Retirement Consultant in Edwardsville, IL

Retirement Consultant Edwardsville, IL. Whether you have your heart set on filling your golden years with holidays in Bora Bora, driving through town in a vintage sports car, hanging out on the front porch, or leaving the biggest possible inheritance behind for your grandkids as possible, you require a committed and skilled retirement consultant to help you realize your objectives. Regardless of where you are in life at the moment, the Edwardsville, IL retirement planning advisors at Correct Capital will implement 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 determine what you need from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will begin by getting to know who you are so that we can best understand how we can help you reach your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wide array of research and data, and understanding of 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 center of our relationships with all our Edwardsville, IL 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 Edwardsville, IL retirement consultant you can believe in. There are a number of important elements to evaluate when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anyone can use fictionalized titles like “retirement specialists,” and many certifications are received through short study and easy exams, or pertain more to marketing than retirement 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 achieved through years of experience, extra education requirements, dedicated 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 required to follow one of two sets of standards:

  1. Suitability Standard: This standard is regulated by the Financial Industry Regulatory Authority (FINRA), and vaguely says that an investment professional must pick planning and investment options that are “suitable” for their clients, but not necessarily the client’s best option. Therefore, a broker that is bound by the suitability standard is under no legal obligation to follow your best interests instead of their own, and they also have to listen to the broker-dealers they work for. This might mean they make decisions with your money based on the commission they might receive, or are selling products that might not be in your best interest.
  2. 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, behave with the deftness and good judgement of a professional, endeavor to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in the way that’s best for your and your money.

At Correct Capital, we build personal relationships with our Edwardsville, IL clients that are based on trust. We get to know you and your financial planning and retirement planning needs, and each piece of advice 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?

Many Edwardsville, IL 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 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 connected with any one financial institution, and therefore will analyze a variety of investment options 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 Edwardsville, IL clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially shrewd Edwardsville, IL 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 judge how to manage your savings and retirement funds. Among the facets of retirement planning Correct Capital will discuss with you 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 defines 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 get to know you, they will create a retirement plan for you that includes the best age for you to leave the workforce.
  • 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 types of accounts have different rules, for example minimum withdrawals after a certain age.
  • Determine a Retirement Budget. The type of lifestyle you want, combined with how much you were able to save and your age, will determine your retirement budget. An accomplished Edwardsville, IL 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 Edwardsville, IL retirement planning advisors examine the complete picture of your finances so each facet of your retirement planning is paid attention to and optimized.

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Contact a Edwardsville, IL Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your Edwardsville, IL Correct Capital retirement consultant will help you feel assured and at ease about you and your family’s future. Our retirement plan advisors have over 30 years of experience helping Edwardsville, IL residents and families live the life they dreamed of in their golden years. As fiduciary financial advisors, we are legally and ethically bound to always act in your best interest. To discover more about how we can help you achieve your retirement goals, call us at 314-930-401K or contact us online.


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