Retirement Consultant Ellisville, MO. Whether you dream of filling your golden years with vacations to Cabo, cruising through the hills 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 devoted and knowledgeable retirement consultant to help you achieve your dreams. Wherever you are in life now, the Ellisville, 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 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 start by getting to know who you are in order to best realize how we can help you realize your objectives. 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 only give you objective and unbiased advice. As fiduciary financial advisors, trust is at the center of our relationships with all our Ellisville, 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 pick a Ellisville, 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 received through short study and easy exams, or pertain more to advertising than retirement planning. Correct Capital is an accomplished and trustworthy 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, intense study, and passing exhaustive tests. You can trust 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 required to follow one of two sets of standards:
- Suitability Standard: This standard is overseen 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 not necessarily the client’s best option. That means a broker that follows the suitability standard is under no legal obligation 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 might get, or are pushing products that aren’t necessarily 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 have your best interest at heart, act with the skill and discernment 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.
The relationship between a Correct Capital retirement consultant and our Ellisville, 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 every 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 Ellisville, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and thusly might not have a wide array of investing options they can provide you with, or may sell you 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 associated with any single financial institution, and thusly will evaluate a multitude of investment options to find the ones that work best for your individual needs. Our advice is grounded in knowledge, experience, in-depth data and analytics, and how we can best serve our Ellisville, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially smart Ellisville, MO residents can find it complicated 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. How much you pay in taxes and when you pay them depends on which kind 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 the year you were born. The social security benefits you receive will be altered 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 leave the workforce.
- When to Withdraw Money, and How Much to Withdraw. Depending on where your money is being saved and invested, the ideal timing and amount of your withdrawals will vary. Different types of accounts have different regulations, such as minimum withdrawals once you reach a certain age.
- Calculate a Retirement Budget. The way you want to live your life, as well as how much you were able to save and your age, will decide your retirement budget. A talented Ellisville, MO retirement consultant can help you increase 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 Ellisville, MO retirement planning consultants examine the full scope of your finances so each element 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
Contact a Ellisville, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Ellisville, MO Correct Capital retirement consultant will help you feel assured and relaxed about how your wealth is growing for the future. Our retirement plan professionals have over three decades of experience helping Ellisville, 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 achieve your retirement goals, call us at 877-930-4015 or contact us online.
