Retirement Consultant Jefferson County, MO. Whether you have your heart set on filling your golden years with holidays in Paris, driving through the city in a vintage sports car, hanging out on the front porch, or leaving as much behind for future generations as possible, you require a dedicated and experienced retirement consultant to help you achieve your dreams. Regardless of where 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 877-930-4015 or fill out our online contact form.
Your personal retirement goals will determine what you require from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will begin by getting to know you personally so that we can best realize how we can help you reach your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wealth of research and data, and understanding of the best strategies to use 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.
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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
You likely have a lot of questions about your retirement and retirement planning, and principal among them is how to choose a Jefferson County, 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 fictionalized titles like “retirement specialists,” and many certifications are received through short study and easy exams, or pertain more to advertising than retirement planning. Correct Capital is a knowledgeable and honest team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be achieved through years of experience, extra education requirements, dedicated study, and passing comprehensive tests. You can be sure 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:
- Suitability Standard: This standard is set by the Financial Industry Regulatory Authority (FINRA), and vaguely asserts that an investment professional must pick planning and investment options that are “suitable” for their clients, but not necessarily the client’s best option. Therefore, a broker that complies with the suitability standard carries no legal duty to follow your best interests instead of their own, and they also have to listen to the broker-dealers who employ them. This might mean they give you retirement advice based on the commission they might 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 bound to it. We are obligated to put your best interests first, behave with the acuity and good judgement of a professional, endeavor to avoid conflicts of interest, disclose unpreventable 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 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 work for brokerages, banks, or other financial institutions, and thusly might be limited in the investing options they are able to 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 grounded in 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 shrewd 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 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 decides your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will vary if you retire earlier or later than your FRA. As our retirement consultants at Correct Capital get to know you, they will draw up a retirement plan for you that includes the best 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 optimal timing and size of your withdrawals will change. Different types of accounts have different rules, such as minimum withdrawals after a certain age.
- Calculate a Retirement Budget. The type of lifestyle you want, 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 funds 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 Jefferson County, MO retirement planning professionals examine the full scope of your finances so each facet of your retirement planning is well thought out 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 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 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 retirement. As fiduciary financial advisors, we are legally and ethically bound to always act in your best interest. To learn more about how we can help you meet your retirement goals, call us at 877-930-4015 or contact us online.