Retirement Consultant in Eureka, MO

Retirement Consultant Eureka, MO. Whether you plan on filling your golden years with trips to Cabo, driving through the city in a brand new sports car, smoking cigars on the back porch, or leaving as much behind for your kids as possible, you require a devoted and skilled retirement consultant to help you achieve your objectives. Regardless of where you are in life at the moment, the Eureka, MO 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 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 you personally so that we can best realize how we can help you achieve your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to an abundance of research and data, and we know the best strategies to utilize in order to grow your wealth. We are independently owned and will only offer you objective and unbiased advice. As fiduciary financial advisors, trust is at the core of our relationships with all our Eureka, 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 probably have a lot of questions about how to best start your retirement planning, and one of the most essential is how to decide on a Eureka, MO retirement consultant you can trust. There are a lot of of important factors to evaluate when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anybody can use made up titles like “retirement specialists,” and certain certifications are received through short study and easy exams, or pertain more to marketing than retirement planning. Correct Capital is an accomplished and honest team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be acquired through years of experience, extra education requirements, dedicated study, and passing exhaustive tests. You can believe that your Correct Capital retirement consultant has the experience and knowledge to effectively advise you in 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 set 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 not necessarily the client’s best option. That means a broker that is bound by the suitability standard carries no legal obligation 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 be paid, or are pushing products that aren’t necessarily 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 have your best interest at heart, act with the acuity and good judgement of a professional, strive to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.

The relationship between a Correct Capital retirement consultant and our Eureka, 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 regarding your wealth is made with the best interest of you and your family in mind.

Who Does the Retirement Consultant Work For?

Many Eureka, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and therefore might not have a wide range of investing options they can offer you, or may push 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 single financial institution, and consequently will analyze a plethora of investment options to find the ones that fit best with you and your needs. Our advice is built on knowledge, experience, in-depth data and analytics, and how we can best serve our Eureka, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially sharp Eureka, MO residents can find it complex to balance all of their options when it comes to retirement planning. A trustworthy and savvy retirement consultant can help you best decide how to manage your savings and retirement funds. Among the facets 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 decides your “full” or “normal” retirement age (FRA) based on the year you were born. The social security benefits you receive will vary if you retire before or after your FRA. As our retirement consultants at Correct Capital come to understand who you are and what you need, they will create 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 optimal timing and amount of your withdrawals will change. Different types of accounts have different regulations, such as minimum withdrawals once you reach a certain age.
  • Calculate a Retirement Budget. The kind of lifestyle you want, together with how much you were able to save and your age, will dictate your retirement budget. A knowledgeable Eureka, MO 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 Eureka, MO retirement planning professionals examine the full scope of your finances so each facet of your retirement planning is attended to and optimized.

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Contact a Eureka, MO Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your Eureka, MO Correct Capital retirement consultant will help you feel assured and at ease about how your wealth is growing for the future. Our retirement plan specialists have over 30 years of experience helping Eureka, MO residents and families live the life they dreamed of in their retirement. As fiduciary financial advisors, we are legally and ethically compelled to always act in your best interest. To learn more about how we can help you accomplish your retirement goals, call us at 314-930-401K or contact us online.


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