Retirement Consultant Ladue, MO. Whether you dream of filling your golden years with holidays in Bora Bora, driving through the city in a brand new sports car, smoking cigars on the back porch, or leaving as much behind for your kids as possible, you need a committed and skilled retirement consultant to help you achieve your goals. No matter where you are in life now, the Ladue, MO retirement planning advisors at Correct Capital will create 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 begin by getting to know you personally in order to best realize how we can help you achieve your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wide array of research and data, and we know the best strategies to use in the interest of growing your wealth. We are independently owned and will only offer you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Ladue, MO clients begins with trust and your 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 chief among them is how to choose a Ladue, MO retirement consultant you can believe in. There are a lot of of important factors to consider when hiring a retirement consultant.
What Qualifications Does a Retirement Consultant Have?
Anybody can use made up titles like “retirement specialists,” and certain certifications are received through short study and easy exams, or pertain more to marketing than financial planning. Correct Capital is an accomplished 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 exhaustive exams. You can trust 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 obligated to follow one of two sets of standards:
- Suitability Standard: This standard is set 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. Therefore, a broker that is bound by the suitability standard carries no legal obligation to work for your best interests instead of their own, and they also serve the broker-dealers they work for. This could mean they give you retirement advice based on the commission they could get, or are selling products that might not be 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 follow it. We are obligated to put your best interests first, act with the acuity and good judgement of a professional, endeavor 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 Ladue, 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 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 Ladue, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and therefore may be limited in the investing options they can provide you with, or may push 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 affiliated 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 built on knowledge, experience, in-depth data and analytics, and how we can best serve our Ladue, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially shrewd Ladue, MO residents can find it difficult to balance all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best determine how to manage your savings and retirement funds. Among the facets 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 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 get to know you, they will develop 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 optimal timing and size of your withdrawals will vary. Different kinds 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, together with how much you were able to save and your age, will decide your retirement budget. A knowledgeable Ladue, 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 Ladue, MO retirement planning professionals examine the complete picture of your finances so each facet of your retirement planning is attended to 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
- 401(k) For Small Business
- Small Business Retirement Plans
- Tax Planning
Contact a Ladue, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Ladue, 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 Ladue, MO residents and families live the life they dreamed of in their retirement. As fiduciary financial advisors, we are legally and ethically compelled to always act in your best interest. To discover more about how we can help you realize your financial goals, call us at 877-930-4015 or contact us online.
