Retirement Consultant Kirkwood, MO. Whether you plan on filling your golden years with vacations to Maui, driving through the hills in a classic sports car, hanging out on the front porch, or leaving as much behind for future generations as possible, you require a devoted and knowledgeable retirement consultant to help you reach your dreams. Wherever you are in life currently, the Kirkwood, MO retirement planning advisors at Correct Capital will design 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 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 who you are 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 order to grow your wealth. We are independently owned and will only offer you objective and unbiased advice. As fiduciary financial advisors, trust is at the center of our relationships with all our Kirkwood, 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 important is how to pick a Kirkwood, MO retirement consultant you can believe in. There are a variety of important factors to evaluate when hiring a retirement consultant.
What Qualifications Does a Retirement Consultant Have?
Anyone can use fictionalized titles like “retirement specialists,” and some certifications are awarded through short study and easy exams, or focus more on advertising than financial planning. Correct Capital is an accomplished and trustworthy team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be attained through years of experience, extra education requirements, dedicated study, and passing exhaustive exams. You can be confident 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 overseen 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 interest. That means a broker that is bound by the suitability standard is under no legal duty to work for your best interests instead of their own, and they also have to listen to the broker-dealers who employ them. This could mean they give you retirement advice based on the commission they could get, or are pushing products that aren’t necessarily in your best interest.
- Fiduciary Standard: This standard is set 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, manage your account with the acuity and discernment of a professional, try 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 Kirkwood, 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 with regard to your wealth is made with the best interest of you and your family in mind.
Who Does the Retirement Consultant Work For?
Many Kirkwood, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and thusly might not have a wide array of investing options they are able to offer you, or may push 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 associated with any one financial institution, and therefore will analyze a variety of investment opportunities to find the ones that work best for your individual needs. Our advice is built on knowledge, experience, in-depth data and analytics, and how we can best serve our Kirkwood, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially sharp Kirkwood, MO residents can find it complicated to balance all of their options when it comes to retirement planning. A trustworthy and savvy retirement consultant can help you best decide 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 various 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 draw up a retirement plan for you that includes the ideal 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 best timing and amount of your withdrawals will vary. 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, combined with how much you were able to save and your age, will dictate your retirement budget. A skilled Kirkwood, MO retirement consultant can help you raise the amount of money 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 Kirkwood, MO retirement planning consultants look at the full scope of your finances so each element 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 Kirkwood, MO Retirement Consultant Today | Correct Capital
Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Kirkwood, 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 professionals have over 30 years of experience helping Kirkwood, 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 accomplish your financial goals, call us at 877-930-4015 or contact us online.
