Retirement Consultant Eureka, MO. Whether you dream of filling your golden years with vacations to Maui, cruising around the hills in a vintage sports car, hanging out on the back porch, or leaving as much behind for your kids as possible, you need a committed and experienced retirement consultant to help you reach your goals. No matter where you are in life now, the Eureka, 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 personal retirement goals will determine what you need from a retirement consultant. 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 realize 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 employ in the interest of growing your wealth. We are independently owned and will never try to sell you on something we don’t believe in ourselves. As fiduciary financial advisors, our relationship with our Eureka, MO clients begins with trust and your peace of mind that we have your best interest at heart.
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Correct Capital Wealth Management's office is physically located in St. Louis, MO, but we serve clients throughout the United States in both personal financial planning and corporate retirement plans.
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How to Choose the Right Retirement Consultant for You
In all likelihood, you have a lot of questions about your retirement and retirement planning, and one of the most essential is how to choose a Eureka, MO retirement consultant you can believe in. There are a variety 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 many 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 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 bound by 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. 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 might mean they make decisions with your money based on the commission they could get, or are selling products that aren’t necessarily in your best interest.
- Fiduciary Standard: This standard is set by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally compelled to comply with it. We are obligated to put your best interests first, act with the skill and good judgement of a professional, strive to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in your best interest.
The relationship between a Correct Capital retirement consultant and our Eureka, 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 guidance 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?
A lot of Eureka, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and thusly may be limited in the investing options they are able to provide you with, 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 single financial institution, and thusly will analyze a variety of investment options 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 Eureka, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially astute Eureka, MO residents can find it difficult 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 aspects 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 type 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 your birth year. The social security benefits you receive will be altered 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 create a retirement plan for you that includes the ideal age for you to retire.
- 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, for example minimum withdrawals once you reach a certain age.
- Determine 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 dictate your retirement budget. A knowledgeable Eureka, MO retirement consultant can help you raise 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 Eureka, MO retirement planning professionals look at the complete picture of your finances so each element 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 confident and at ease about you and your family’s future. Our retirement plan advisors have over three decades 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 obligated to always act in your best interest. To learn more about how we can help you meet your retirement goals, call us at 877-930-4015 or contact us online.
