Retirement Consultant Imperial, MO. Whether you plan on filling your golden years with trips to Paris, driving around town in a brand new sports car, smoking cigars on the back porch, or leaving as much behind for your grandkids as possible, you require a devoted and knowledgeable retirement consultant to help you reach your goals. No matter where you are in life currently, the Imperial, MO retirement planning advisors at Correct Capital will construct 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 dictate what you need from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will begin by getting to know who you are in order to best understand how we can help you achieve your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to an abundance of research and data, and understanding of the best strategies to utilize 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 Imperial, 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
In all likelihood, you have a lot of questions about how to best start your retirement planning, and one of the most essential is how to pick a Imperial, MO retirement consultant you can believe in. There are a lot of of important elements to consider when hiring a retirement consultant.
What Qualifications Does a Retirement Consultant Have?
Anybody can use made up titles like “retirement specialists,” and certain certifications are given through short study and easy exams, or focus more on marketing 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 obtained through years of experience, extra education requirements, intense study, and passing comprehensive tests. You can be confident 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 obligated to follow one of two sets of standards:
- Suitability Standard: This standard is determined by the Financial Industry Regulatory Authority (FINRA), and vaguely asserts that an investment professional must choose planning and investment options that are “suitable” for their clients, but makes no mention of the client’s best option. That means a broker that is bound by the suitability standard has no legal duty to work for your best interests instead of their own, and they also serve the broker-dealers they work for. This could mean they make decisions with your money based on the commission they could be paid, or are selling products that aren’t necessarily in your best interest.
- Fiduciary Standard: This standard is regulated 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, behave with the deftness and discernment of a professional, try to avoid conflicts of interest, disclose unpreventable 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 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 might not have a wide range of investing options they are able to provide you with, or may sell you products or mutual funds that are not really 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 therefore will evaluate a multitude of investment opportunities to find the ones that fit best with you and your needs. Our advice is built 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 shrewd Imperial, MO residents can find it difficult 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 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 decides your “full” or “normal” retirement age (FRA) based on the year you were born. 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 come to understand who you are and what you need, they will create a retirement plan for you that includes the ideal age for you to leave the workforce.
- 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 change. Different types of accounts have different regulations, for example minimum withdrawals once you reach a certain age.
- Determine a Retirement Budget. The way you want to live your life, together with how much you were able to save and your age, will determine your retirement budget. An accomplished Imperial, MO retirement consultant can help you raise the amount of money 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 Imperial, MO retirement planning advisors examine 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:
- Succession Planning
- Fiduciary Financial Advisor
- Company 401(k) Plans
- ESOP Advisor
- Self-Employed Retirement Plans
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 at ease about you and your family’s future. Our retirement plan professionals 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 compelled to always act in your best interest. To learn more about how we can help you achieve your financial goals, call us at 877-930-4015 or contact us online.