Retirement Consultant Glendale, MO. Whether you plan on filling your golden years with holidays in Cabo, cruising through the hills in a classic sports car, hanging out on the front porch, or leaving the biggest possible inheritance behind for your family as possible, you require a dedicated and knowledgeable retirement consultant to help you realize your dreams. No matter where you are in life at the moment, the Glendale, MO retirement planning advisors at Correct Capital will construct 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 retirement planning needs are based on your personal goals in retirement. When you hire a retirement consultant at Correct Capital, we will begin by getting to know you personally so that we can recognize how we can help you reach your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wide array 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, trust is at the core of our relationships with all our Glendale, MO clients, and we want you to have 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
You likely have a lot of questions about your retirement and retirement planning, and one of the most important is how to choose a Glendale, MO retirement consultant you can trust. There are a number of important elements to think about when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anyone can use fictionalized titles like “retirement specialists,” and certain certifications are given through short study and easy exams, or pertain more to advertising than financial planning. Correct Capital is an accomplished 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, intense study, and passing comprehensive tests. You can trust 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:
- Suitability Standard: This standard is regulated by the Financial Industry Regulatory Authority (FINRA), and vaguely states 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. 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 serve the broker-dealers they work for. This might mean they give you retirement advice based on the commission they could receive, or are selling products that might not be 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 comply with it. We are obligated to have your best interest at heart, act with the skill and discernment of a professional, try to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in your best interest.
At Correct Capital, we build personal relationships with our Glendale, MO clients that are built on trust. We get to know you and your financial planning and retirement planning needs, and each piece of guidance 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 Glendale, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore may be limited in the investing options they can offer you, 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 affiliated with any one financial institution, and consequently will evaluate a multitude of investment options to find the ones that work best for your individual needs. Our advice is based on 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 astute Glendale, MO residents can find it complex to balance all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best determine how to manage your savings and retirement funds. Among the factors of retirement planning Correct Capital can help with are:
- Tax Implications. Depending on how your money was saved in different 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 defines your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will vary if you retire before or after your FRA. As our retirement consultants at Correct Capital come to understand who you are and what you need, they will draw up 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 size of your withdrawals will vary. Different kinds of accounts have different regulations, such as minimum withdrawals once you reach a certain age.
- Calculate 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 Glendale, MO retirement consultant can help you increase the amount of funds 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 Glendale, MO retirement planning consultants look at the complete picture of your finances so each facet of your retirement planning is paid attention to and optimized.
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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 relaxed about you and your family’s future. Our retirement plan specialists have over 30 years of experience helping Glendale, MO residents and families live the life they dreamed of in their golden years. 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 realize your retirement goals, call us at 877-930-4015 or contact us online.
