Retirement Consultant in Fenton, MO

Retirement Consultant Fenton, MO. Whether you have your heart set on filling your golden years with holidays in Bora Bora, cruising around the hills in a brand new sports car, smoking cigars on the front porch, or leaving the biggest possible inheritance behind for your grandkids as possible, you require a devoted and experienced retirement consultant to help you reach your goals. No matter where you are in life currently, the Fenton, MO 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 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 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 plethora 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 give you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Fenton, MO clients begins with trust and your 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 your retirement and retirement planning, and one of the most essential is how to pick a Fenton, MO retirement consultant you can believe in. There are a variety of important facets to consider when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anyone can use fictionalized titles like “retirement specialists,” and some certifications are received through short study and easy exams, or pertain more to marketing than retirement planning. Correct Capital is a knowledgeable and trustworthy 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, intense study, and passing comprehensive exams. You can be sure 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 determined by the Financial Industry Regulatory Authority (FINRA), and vaguely states that an investment professional must choose planning and investment options that are “suitable” for their clients, but makes no mention of the client’s best option. As such, a broker that is bound by the suitability standard feels no legal obligation to follow your best interests instead of their own, and they also have to listen to the broker-dealers who employ them. This could mean they make decisions with your money based on the commission they could be paid, or are selling 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 compelled to follow it. We are obligated to put your best interests first, act with the acuity and good judgement of a professional, try to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.

At Correct Capital, we build personal relationships with our Fenton, MO clients that are based on trust. 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 with regard to 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 Fenton, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and consequently might be limited in the investing options they are able to provide you with, or may push 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 connected with any single financial institution, and consequently will analyze a plethora 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 Fenton, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially astute Fenton, MO 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 elements 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 kind of account, 401(k), or IRA you saved your money in.
  • What Age to Retire. The Social Security Agency stipulates 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 draw up 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 differ. Different types of accounts have different rules, for example minimum withdrawals after 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 talented Fenton, MO retirement consultant can help you increase the amount of money 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 Fenton, MO retirement planning consultants look at the full scope of your finances so each facet of your retirement planning is paid attention to and optimized.

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Contact a Fenton, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Fenton, MO Correct Capital retirement consultant will help you feel assured and relaxed about you and your family’s future. Our retirement plan advisors have over 30 years of experience helping Fenton, MO 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 learn more about how we can help you realize your retirement goals, call us at 314-930-401K or contact us online.


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