Retirement Consultant in Jefferson County, MO

Retirement Consultant Jefferson County, MO. Whether you have your heart set on filling your golden years with vacations to Maui, cruising around the city in a brand new sports car, smoking cigars on the back porch, or leaving the biggest possible inheritance behind for your kids as possible, you require a devoted and skilled retirement consultant to help you achieve your goals. Wherever you are in life at the moment, the Jefferson County, MO retirement planning advisors at Correct Capital will design a customized 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 retirement planning needs are based on your personal goals in retirement. When you hire a retirement consultant at Correct Capital, we will start by getting to know you personally so that we can recognize how we can help you reach your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a plethora of research and data, and we know 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 center of our relationships with all our Jefferson County, 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

You probably have a lot of questions about how to best start your retirement planning, and one of the most important is how to pick a Jefferson County, MO retirement consultant you can believe in. There are a variety of important elements to consider when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anyone can use pretend titles like “retirement specialists,” and many certifications are awarded through short study and easy exams, or focus more on marketing than retirement planning. Correct Capital is a knowledgeable and honest team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be acquired 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:

  1. Suitability Standard: This standard is regulated 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 makes no mention of the client’s best option. Therefore, a broker that is bound by the suitability standard feels no legal duty to work for your best interests instead of their own, and they also serve the broker-dealers who hire them. This could mean they give you retirement advice based on the commission they could 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, act with the skill 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 Jefferson County, 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 recommendation 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 Jefferson County, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and consequently may not have a wide array of investing options they can provide you with, or may sell you 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 connected with any single financial institution, and consequently will analyze a plethora 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 Jefferson County, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially sharp Jefferson County, 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 judge 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 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 best 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 amount of your withdrawals will vary. Different kinds of accounts have different regulations, such as minimum withdrawals after 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. A talented Jefferson County, 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 Jefferson County, MO retirement planning advisors look at the full scope of your finances so each facet of your retirement planning is well thought out and optimized.

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Contact a Jefferson County, MO Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your Jefferson County, MO Correct Capital retirement consultant will help you feel confident and relaxed about you and your family’s future. Our retirement plan advisors have over 30 years of experience helping Jefferson County, MO residents and families live the life they dreamed of in their golden years. As fiduciary financial advisors, we are legally and ethically bound to always act in your best interest. To find out more about how we can help you achieve your retirement goals, call us at 314-930-401K or contact us online.


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