Retirement Consultant in Manchester, MO

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Retirement Consultant Manchester, MO. Whether you dream of filling your golden years with holidays in Maui, driving around the city in a classic sports car, smoking cigars on the back porch, or leaving as much behind for your grandkids as possible, you need a committed and experienced retirement consultant to help you realize your goals. Wherever you are in life at the moment, the Manchester, 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 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 in order to recognize how we can help you achieve 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 employ in the interest of growing your wealth. We are independently owned and will only give you objective and unbiased advice. As fiduciary financial advisors, trust is at the center of our relationships with all our Manchester, 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 how to best start your retirement planning, and one of the most vital is how to decide on a Manchester, MO retirement consultant you can believe in. There are a number of important factors to consider 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 focus more on advertising than retirement 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 acquired through years of experience, extra education requirements, intense study, and passing exhaustive 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 required to follow one of two sets of standards:

  1. 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 interest. As such, a broker that complies with the suitability standard has no legal duty to follow your best interests instead of their own, and they also have to listen to the broker-dealers who hire them. 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 follow it. We are obligated to put your best interests first, act with the skill and good judgement of a professional, try 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 Manchester, 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 in mind.

Who Does the Retirement Consultant Work For?

Many Manchester, 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 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 affiliated with any single financial institution, and consequently will evaluate a plethora 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 Manchester, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially astute Manchester, 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 decide how to manage your savings and retirement funds. Among the factors 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 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 be different if you retire before or after 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 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 ideal timing and size of your withdrawals will change. Different types of accounts have different rules, such as minimum withdrawals after 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. An accomplished Manchester, MO retirement consultant can help you increase the amount of savings 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 Manchester, MO retirement planning advisors look at the full scope of your finances so each detail of your retirement planning is attended to and optimized.

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Contact a Manchester, MO Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your Manchester, MO Correct Capital retirement consultant will help you feel assured and relaxed about how your wealth is growing for the future. Our retirement plan advisors have over three decades of experience helping Manchester, 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 learn more about how we can help you accomplish your financial goals, call us at 877-930-4015 or contact us online.


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