Retirement Consultant in Kirkwood, MO

Retirement Consultant Kirkwood, MO. Whether you dream of filling your golden years with trips to Paris, driving through town in a brand new sports car, hanging out on the back porch, or leaving the biggest possible inheritance behind for your family as possible, you require a committed and skilled retirement consultant to help you achieve your goals. Wherever you are in life currently, the Kirkwood, 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 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 best realize how we can help you achieve your goals. 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 employ in order to grow 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 Kirkwood, 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

In all likelihood, you have a lot of questions about your retirement and retirement planning, and one of the most important is how to pick a Kirkwood, MO retirement consultant you can believe in. There are many of important facets to evaluate when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anybody can use fictionalized titles like “retirement specialists,” and some certifications are awarded through short study and easy exams, or have more to do with marketing than financial planning. Correct Capital is a knowledgeable and trustworthy team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be attained through years of experience, extra education requirements, dedicated study, and passing comprehensive exams. You can be sure 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 determined by the Financial Industry Regulatory Authority (FINRA), and vaguely states that an investment professional must pick planning and investment options that are “suitable” for their clients, but not necessarily the client’s best option. That means 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 they work for. This could mean they make decisions with your money based on the commission they might be paid, or are pushing products that might not be in your best interest.
  2. 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 acuity and good judgement of a professional, endeavor to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.

At Correct Capital, we build personal relationships with our Kirkwood, MO clients that are based on trust. 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 at heart.

Who Does the Retirement Consultant Work For?

A lot of Kirkwood, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore might be limited in the investing options they can offer you, 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 thusly will analyze a plethora of investment options 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 Kirkwood, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially shrewd 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 determine how to manage your savings and retirement funds. Among the aspects of retirement planning Correct Capital will discuss with you are:

  • Tax Implications. How much you pay in taxes and when you pay them depends on which type of account, 401(k), or IRA you saved your money in.
  • 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 change 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 develop 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 optimal timing and amount of your withdrawals will change. Different kinds 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 determine your retirement budget. An accomplished Kirkwood, MO retirement consultant can help you increase 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 Kirkwood, MO retirement planning consultants examine the full scope of your finances so each element of your retirement planning is attended to and optimized.

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Contact a Kirkwood, MO Retirement Consultant Today | Correct Capital

No matter how close you are to retirement 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 three decades of experience helping Kirkwood, 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 find out 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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