Retirement Consultant Frontenac, MO. Whether you dream of filling your golden years with holidays in Cabo, cruising around the city in a classic sports car, smoking cigars on the back porch, or leaving the biggest possible inheritance behind for your family as possible, you require a committed and skilled retirement consultant to help you realize your goals. No matter where you are in life now, the Frontenac, MO retirement planning advisors at Correct Capital will create 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 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 reach your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wealth of research and data, and understanding of 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 Frontenac, 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
In all likelihood, you have a lot of questions about your retirement and retirement planning, and chief among them is how to decide on a Frontenac, MO retirement consultant you can believe in. There are many of important facets to think about when hiring a retirement consultant.
What Qualifications Does a Retirement Consultant Have?
Anyone can use made up titles like “retirement specialists,” and many certifications are awarded through short study and easy exams, or focus more on advertising than financial planning. Correct Capital is a knowledgeable 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, committed study, and passing comprehensive exams. You can be sure 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 required to follow one of two sets of standards:
- 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 interest. That means a broker that follows 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 they work for. This might mean they give you retirement advice based on the commission they might get, or are pushing 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 bound to it. We are obligated to put your best interests first, behave 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.
At Correct Capital, we build personal relationships with our Frontenac, MO clients that are built 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 at heart.
Who Does the Retirement Consultant Work For?
A lot of Frontenac, MO 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 sell you 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 evaluate a multitude of investment opportunities to find the ones that fit best with you and your needs. Our advice is grounded in knowledge, experience, in-depth data and analytics, and how we can best serve our Frontenac, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially sharp Frontenac, MO residents can find it complicated to weigh all of their options when it comes to retirement planning. A trustworthy and savvy retirement consultant can help you best determine how to manage your savings and retirement funds. Among the facets 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 stipulates your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will vary if you retire earlier or later than your FRA. As our retirement consultants at Correct Capital get to know you, they will develop a retirement plan for you that includes the best 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 best timing and amount of your withdrawals will vary. 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 decide your retirement budget. An accomplished Frontenac, 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 Frontenac, MO retirement planning professionals examine the full scope of your finances so each facet 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
- 401(k) For Small Business
- Small Business Retirement Plans
- Tax Planning
Contact a Frontenac, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Frontenac, MO Correct Capital retirement consultant will help you feel assured and at ease about you and your family’s future. Our retirement plan specialists have over three decades of experience helping Frontenac, 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 meet your retirement goals, call us at 877-930-4015 or contact us online.
