Retirement Consultant in Ladue, MO

Retirement Consultant Ladue, MO. Whether you have your heart set on filling your golden years with vacations to Maui, cruising around town in a classic sports car, smoking cigars on the back porch, or leaving the biggest possible inheritance behind for future generations as possible, you require a dedicated and skilled retirement consultant to help you realize your objectives. Wherever you are in life at the moment, the Ladue, MO retirement planning advisors at Correct Capital will design 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 personal retirement goals will dictate what you need from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will start by getting to know who you are in order to best realize how we can help you reach your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to an abundance of research and data, and understanding of the best strategies to employ 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 one of the most important is how to pick a Ladue, MO retirement consultant you can believe in. There are many of important factors to think about when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anybody can use pretend titles like “retirement specialists,” and some certifications are given through short study and easy exams, or have more to do with advertising than financial planning. Correct Capital is a knowledgeable and honest 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 tests. You can trust 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 required to follow one of two sets of standards:

  1. Suitability Standard: This standard is regulated 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. As such, a broker that follows the suitability standard has no legal obligation to work for your best interests instead of their own, and they also serve the broker-dealers they work for. This might mean they make decisions with your money based on the commission they might receive, or are pushing products that aren’t necessarily in your best interest.
  2. Fiduciary Standard: This standard is set 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 deftness and discernment of a professional, try to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.

At Correct Capital, we build personal relationships with our Ladue, MO clients that are based on trust. We get to know you and your financial planning and retirement planning needs, and each recommendation we give you or decision we make concerning 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 might not have a wide array of investing options they can 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 thusly will evaluate a variety of investment options to find the ones that fit best with you and your needs. Our advice is grounded in 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 astute Ladue, MO residents can find it complicated to weigh all of their options when it comes to retirement planning. A trustworthy and savvy retirement consultant can help you best judge how to manage your savings and retirement funds. Among the aspects of retirement planning Correct Capital can help with are:

  • Tax Implications. How much you pay in taxes and when you pay them depends on which kind 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 before or after your FRA. As our retirement consultants at Correct Capital get to know you, they will create a retirement plan for you that includes the best 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 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, as well as how much you were able to save and your age, will dictate your retirement budget. A talented Ladue, MO retirement consultant can help you raise the amount of money 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 Ladue, MO retirement planning consultants look at the complete picture of your finances so each aspect of your retirement planning is attended to and optimized.

Take a look at the links below to see what other financial services we offer:


Contact a Ladue, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Ladue, 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 Ladue, MO residents and families live the life they dreamed of in their retirement. As fiduciary financial advisors, we are legally and ethically obligated to always act in your best interest. To discover more about how we can help you meet your financial goals, call us at 314-930-401K or contact us online.


Are you ready to experience the Correct Capital difference?

GET STARTED

Meet our team of financial advisors.

Our Team

Services We Offer