Retirement Consultant Glendale, MO. Whether you plan on filling your golden years with vacations to Cartagena, cruising around the city in a vintage sports car, smoking cigars on the back porch, or leaving the biggest possible inheritance behind for your family as possible, you require a dedicated and skilled retirement consultant to help you reach your goals. Wherever you are in life currently, the Glendale, 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 decide what you require from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will start by getting to know you personally in order to recognize how we can help you realize your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wide array of research and data, and understanding of the best strategies to employ in the interest of growing your wealth. We are independently owned and will only give you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Glendale, 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 probably have a lot of questions about your retirement and retirement planning, and principal among them is how to decide on a Glendale, MO retirement consultant you can believe in. There are a lot of of important facets to think about when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anyone can use made up titles like “retirement specialists,” and many certifications are received through short study and easy exams, or have more to do with advertising than financial planning. Correct Capital is an experienced and trustworthy team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be obtained through years of experience, extra education requirements, committed study, and passing comprehensive tests. You can believe 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 set by the Financial Industry Regulatory Authority (FINRA), and vaguely says that an investment professional must pick planning and investment options that are “suitable” for their clients, but not necessarily the client’s best option. Therefore, a broker that is bound by the suitability standard feels no legal obligation to work for your best interests instead of their own, and they also serve the broker-dealers they work for. This could mean they give you retirement advice based on the commission they could be paid, or are pushing products that aren’t necessarily in your best interest.
- Fiduciary Standard: This standard is overseen 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, manage your account 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 Glendale, 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 advice we give you or decision we make concerning your wealth is made with the best interest of you and your family in mind.
Who Does the Retirement Consultant Work For?
Many Glendale, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and thusly may not have a wide array of 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 therefore will analyze a multitude of investment options 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 Glendale, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially sharp Glendale, MO residents can find it complicated to balance 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 aspects of retirement planning Correct Capital will discuss with you 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 stipulates your “full” or “normal” retirement age (FRA) based on the year you were born. The social security benefits you receive will change if you retire before or after 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 differ. Different kinds of accounts have different rules, such as 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 decide your retirement budget. An accomplished Glendale, 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 Glendale, MO retirement planning advisors look at the full scope of your finances so each element of your retirement planning is paid attention to and optimized.
Take a look at the links below to see what other financial services we offer:
- Company 401(k) Plans
- ESOP Advisor
- Self-Employed Retirement Plans
- 401(k) For Small Business
- Small Business Retirement Plans
- Tax Planning
- Social Security Consultants Near Me
- Retirement Calculator
- Retirement Planning
- Rollover 401(k)
Contact a Glendale, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Glendale, MO Correct Capital retirement consultant will help you feel confident and at ease about how your wealth is growing for the future. Our retirement plan specialists have over three decades of experience helping Glendale, MO residents and families live the life they dreamed of in their retirement. 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 financial goals, call us at 314-930-401K or contact us online.