Retirement Consultant in Imperial, MO

Retirement Consultant Imperial, MO. Whether you dream of filling your golden years with holidays in Cabo, driving through town in a vintage sports car, smoking cigars on the front porch, or leaving the biggest possible inheritance behind for your grandkids as possible, you need a committed and knowledgeable retirement consultant to help you realize your objectives. No matter where you are in life now, the Imperial, MO retirement planning advisors at Correct Capital will create 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 who you are in order to best realize how we can help you achieve your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a plethora of research and data, and understanding of the best strategies to employ in order to grow 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, our relationship with our Imperial, 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 how to best start your retirement planning, and chief among them is how to decide on a Imperial, MO retirement consultant you can believe in. There are many of important elements to think about when hiring a retirement consultant.


What Certifications 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 have more to do with advertising than financial planning. Correct Capital is an accomplished and honest team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be attained through years of experience, extra education requirements, dedicated study, and passing exhaustive exams. You can be sure that your Correct Capital retirement consultant has the experience and knowledge to effectively manage your retirement planning.


Is the Retirement Consultant a Fiduciary?

Investment professionals are required to follow 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 pick planning and investment options that are “suitable” for their clients, but makes no mention of the client’s best interest. Therefore, a broker that complies with the suitability standard carries no legal obligation to follow your best interests instead of their own, and they also have to listen to the broker-dealers who hire them. This might mean they give you retirement advice 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 overseen 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, manage your account with the deftness and discernment of a professional, endeavor to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in the way that’s best for your and your money.

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 advice we give you or decision we make regarding 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 Imperial, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore might be limited in the investing options they can offer you, 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 thusly will analyze a variety of investment opportunities 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 Imperial, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially smart Imperial, MO residents can find it complicated to weigh 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 elements of retirement planning Correct Capital will discuss with you are:

  • Tax Implications. Depending on how your money was saved in different types 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 your birth year. 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 create 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 optimal timing and amount of your withdrawals will vary. Different types of accounts have different regulations, such as minimum withdrawals after a certain age.
  • Calculate a Retirement Budget. The way you want to live your life, together with 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 savings 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 professionals examine the complete picture of your finances so each aspect of your retirement planning is paid attention to and optimized.

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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 assured and relaxed about how your wealth is growing for the future. Our retirement plan professionals have over 30 years of experience helping Imperial, 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 discover more about how we can help you meet your financial goals, call us at 314-930-401K or contact us online.


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