Retirement Consultant in Manchester, MO

Retirement Consultant Manchester, MO. Whether you plan on filling your golden years with vacations to Cartagena, cruising around town in a vintage sports car, smoking cigars on the front porch, or leaving as much behind for future generations as possible, you need a dedicated and skilled retirement consultant to help you reach your goals. Wherever you are in life now, the Manchester, MO retirement planning advisors at Correct Capital will construct a personalized 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 who you are so that we can recognize how we can help you realize your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a range of research and data, and understanding of the best strategies to employ in order to grow your wealth. We are independently owned and will only give you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Manchester, 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 how to best start your retirement planning, and principal among them is how to decide on a Manchester, MO retirement consultant you can trust. There are many of important factors to consider when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anyone can use pretend titles like “retirement specialists,” and many certifications are awarded through short study and easy exams, or focus more on marketing than financial planning. Correct Capital is an accomplished and honest team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications 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 bound by one of two sets of standards:

  1. 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. Therefore, a broker that complies with 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 make decisions with your money based on the commission they could be paid, or are pushing products that aren’t necessarily 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 bound to it. We are obligated to have your best interest at heart, behave with the deftness and good judgement of a professional, try to avoid conflicts of interest, disclose unavoidable 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 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?

A lot of Manchester, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently may be limited in the investing options they can provide you with, or may sell you 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 single financial institution, and thusly 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 Manchester, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially smart Manchester, MO residents can find it complex to balance all of their options regarding their 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 kind of account, 401(k), or IRA you saved your money in.
  • What Age to Retire. The Social Security Agency stipulates your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will vary 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 best 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 best timing and size of your withdrawals will vary. Different kinds of accounts have different regulations, for example 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 determine your retirement budget. A knowledgeable Manchester, MO retirement consultant can help you raise the amount of savings 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 Manchester, MO retirement planning advisors look at the full scope of your finances so each facet of your retirement planning is paid attention to and optimized.

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Contact a Manchester, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, 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 golden years. As fiduciary financial advisors, we are legally and ethically bound to always act in your best interest. To learn 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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