Retirement Consultant in Oakville, MO

Retirement Consultant Oakville, MO. Whether you plan on filling your golden years with vacations to Cartagena, cruising around the city in a brand new sports car, smoking cigars on the front porch, or leaving as much behind for your family as possible, you need a devoted and skilled retirement consultant to help you achieve your dreams. Wherever you are in life at the moment, the Oakville, MO retirement planning advisors at Correct Capital will create 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 decide what you need from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will begin by getting to know you personally so that we can best understand how we can help you achieve your goals. 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 utilize 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 Oakville, 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

You probably have a lot of questions about your retirement and retirement planning, and chief among them is how to decide on a Oakville, MO retirement consultant you can believe in. There are a number of important factors to consider when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anyone can use pretend titles like “retirement specialists,” and many certifications are received through short study and easy exams, or pertain more to marketing than retirement planning. Correct Capital is an accomplished and trustworthy team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be attained through years of experience, extra education requirements, intense study, and passing exhaustive exams. You can trust that your Correct Capital retirement consultant has the experience and knowledge to successfully 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 asserts 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 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 might mean they make decisions with your money based on the commission they might receive, or are selling 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 skill 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.

At Correct Capital, we build personal relationships with our Oakville, MO clients that are built 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 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 Oakville, MO financial advisors and retirement consultants work for 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 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 one financial institution, and consequently will analyze a plethora 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 Oakville, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially sharp Oakville, MO residents can find it difficult to balance 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 facets of retirement planning Correct Capital can help with are:

  • Tax Implications. Depending on how your money was saved in different types of accounts, 401(k)s, or IRAs, there can be a lot of variance in how much you will pay in taxes and when you will pay them.
  • 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 come to understand who you are and what you need, they will create 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 ideal timing and size of your withdrawals will change. Different types of accounts have different rules, for example minimum withdrawals once you reach a certain age.
  • Calculate 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 Oakville, 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 Oakville, MO retirement planning consultants look at the complete picture of your finances so each facet of your retirement planning is paid attention to and optimized.

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Contact a Oakville, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Oakville, MO Correct Capital retirement consultant will help you feel confident and relaxed about how your wealth is growing for the future. Our retirement plan specialists have over 30 years of experience helping Oakville, 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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