Retirement Consultant in Jefferson County, MO

Retirement Consultant Jefferson County, MO. Whether you have your heart set on filling your golden years with holidays in Cartagena, driving through town in a brand new sports car, hanging out on the front porch, or leaving the biggest possible inheritance behind for future generations as possible, you require a devoted and experienced retirement consultant to help you reach your objectives. Wherever you are in life now, the Jefferson County, 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 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 begin by getting to know you personally so that we can recognize how we can help you realize your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wide array of research and data, and knowledge 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 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 your retirement and retirement planning, and chief among them is how to choose a Jefferson County, MO retirement consultant you can believe in. There are a variety of important factors to evaluate when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anyone can use fictionalized titles like “retirement specialists,” and certain certifications are awarded through short study and easy exams, or focus more on advertising than retirement planning. Correct Capital is a knowledgeable and honest 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, committed study, and passing exhaustive 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 required to follow one of two sets of standards:

  1. Suitability Standard: This standard is overseen by the Financial Industry Regulatory Authority (FINRA), and vaguely says that an investment professional must choose planning and investment options that are “suitable” for their clients, but not necessarily the client’s best option. As such, a broker that complies with the suitability standard has no legal duty to follow 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 get, 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 compelled to follow 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.

The relationship between a Correct Capital retirement consultant and our Jefferson County, MO clients is built on trust and our personal relationship with each other. We get to know you and your financial planning and retirement planning needs, and every 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 Jefferson County, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and consequently might not have a wide array of investing options they are able to 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 associated with any single financial institution, and therefore will analyze a variety 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 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 difficult to weigh all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best decide how to manage your savings and retirement funds. Among the facets of retirement planning Correct Capital will discuss with you are:

  • Tax Implications. Depending on how your money was saved in various 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 the year you were born. 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 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 ideal timing and amount of your withdrawals will differ. Different types of accounts have different rules, such as minimum withdrawals once you reach a certain age.
  • Determine a Retirement Budget. The way you want to live your life, combined 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 funds 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 examine the complete picture of your finances so each detail of your retirement planning is paid attention to and optimized.

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

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Jefferson County, MO Correct Capital retirement consultant will help you feel assured and at ease about how your wealth is growing for the future. Our retirement plan specialists have over three decades 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 obligated to always act in your best interest. To learn more about how we can help you realize your financial goals, call us at 314-930-401K or contact us online.


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