Retirement Consultant in Fairview Heights, IL

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Retirement Consultant Fairview Heights, IL. Whether you have your heart set on filling your golden years with vacations to Maui, driving around town in a classic sports car, smoking cigars on the back porch, or leaving as much behind for your kids as possible, you require a committed and skilled retirement consultant to help you achieve your dreams. No matter where you are in life now, the Fairview Heights, IL retirement planning advisors at Correct Capital will design 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 dictate what you require from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will begin by getting to know you personally in order to recognize 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 knowledge of the best strategies to employ in order to grow 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 Fairview Heights, IL 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 principal among them is how to pick a Fairview Heights, IL retirement consultant you can believe in. There are a variety of important elements to think about when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anybody can use fictionalized titles like “retirement specialists,” and certain certifications are received through short study and easy exams, or focus more on advertising than retirement 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, dedicated study, and passing exhaustive exams. You can believe that your Correct Capital retirement consultant has the experience and knowledge to successfully 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 overseen by the Financial Industry Regulatory Authority (FINRA), and vaguely asserts 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 option. Therefore, a broker that follows the suitability standard carries no legal duty to work for 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 might be paid, or are selling products that aren’t necessarily in your best interest.
  2. Fiduciary Standard: This standard is overseen 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 acuity and discernment of a professional, strive 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 Fairview Heights, IL clients that are built on trust. 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 Fairview Heights, IL financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and thusly may not have a wide range of investing options they can provide you with, 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 connected with any one financial institution, and consequently will analyze a plethora of investment opportunities 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 Fairview Heights, IL clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially shrewd Fairview Heights, IL residents can find it difficult to balance 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. Depending on how your money was saved in various 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 decides 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 develop 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 best timing and amount of your withdrawals will differ. Different types of accounts have different rules, for example minimum withdrawals once you reach a certain age.
  • Determine a Retirement Budget. The kind of lifestyle you want, as well as how much you were able to save and your age, will determine your retirement budget. A skilled Fairview Heights, IL retirement consultant can help you increase the amount of funds 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 Fairview Heights, IL retirement planning professionals examine the full scope of your finances so each aspect of your retirement planning is paid attention to and optimized.

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Contact a Fairview Heights, IL Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Fairview Heights, 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 Fairview Heights, 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 accomplish your financial goals, call us at 877-930-4015 or contact us online.


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