Retirement Consultant in Imperial, MO

Retirement Consultant Imperial, MO. Whether you plan on filling your golden years with vacations to Cartagena, driving through the hills in a classic sports car, hanging out on the front porch, or leaving the biggest possible inheritance behind for your grandkids as possible, you require a devoted and knowledgeable retirement consultant to help you achieve your objectives. No matter where you are in life at the moment, the Imperial, MO retirement planning advisors at Correct Capital will implement 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 dictate what you require 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 wide array 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 offer you objective and unbiased advice. As fiduciary financial advisors, trust is at the center of our relationships with all our Imperial, MO clients, and we want you to have 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 principal among them is how to choose a Imperial, MO retirement consultant you can trust. There are a lot of of important facets to think about when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anybody can use pretend titles like “retirement specialists,” and some certifications are received through short study and easy exams, or focus more on advertising than retirement planning. Correct Capital is an accomplished and trustworthy team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be obtained through years of experience, extra education requirements, intense study, and passing comprehensive exams. You can be confident 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 obligated to follow one of two sets of standards:

  1. Suitability Standard: This standard is regulated 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 not necessarily the client’s best interest. That means a broker that complies with the suitability standard feels no legal obligation to work for your best interests instead of their own, and they also have to listen to the broker-dealers who employ them. This might mean they make decisions with your money based on the commission they might be paid, or are pushing products that might not be in your best interest.
  2. Fiduciary Standard: This standard is set by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally compelled to comply with it. We are obligated to put your best interests first, act with the deftness and good judgement of a professional, endeavor 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 Imperial, MO clients is based on trust and our personal relationship with each other. 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 regarding your wealth is made with the best interest of you and your family in mind.

Who Does the Retirement Consultant Work For?

Many Imperial, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore may be limited in the investing options they are able to 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 connected with any one financial institution, and consequently will analyze a plethora of investment opportunities 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 Imperial, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially shrewd Imperial, MO residents can find it hard 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 elements 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 defines your “full” or “normal” retirement age (FRA) based on the year you were born. 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 draw up a retirement plan for you that includes the ideal age for you to stop working.
  • When to Withdraw Money, and How Much to Withdraw. Depending on where your money is being saved and invested, the optimal timing and size of your withdrawals will vary. Different kinds of accounts have different rules, such as minimum withdrawals after 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 skilled Imperial, 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 Imperial, 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:


Contact a Imperial, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Imperial, 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 three decades of experience helping Imperial, MO residents and families live the life they dreamed of in their retirement. 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 achieve your retirement goals, call us at 314-930-401K or contact us online.


Are you ready to experience the Correct Capital difference?

GET STARTED

Meet our team of financial advisors.

Our Team

Services We Offer