Retirement Consultant Oakville, MO. Whether you have your heart set on filling your golden years with holidays in Cartagena, driving through the city in a brand new sports car, hanging out on the front porch, or leaving the biggest possible inheritance behind for your family as possible, you need a dedicated and experienced retirement consultant to help you realize your dreams. Regardless of where you are in life currently, the Oakville, MO retirement planning advisors at Correct Capital will construct 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 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 who you are in order to best realize how we can help you realize your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to an abundance of research and data, and we know the best strategies to utilize in order to grow your wealth. We are independently owned and will only offer you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Oakville, MO clients begins with trust and your 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
In all likelihood, you have a lot of questions about how to best start your retirement planning, and chief among them is how to decide on a Oakville, MO retirement consultant you can trust. There are a variety of important factors to consider when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anybody can use made up titles like “retirement specialists,” and some certifications are awarded through short study and easy exams, or pertain more to advertising than retirement planning. Correct Capital is an accomplished and trustworthy 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 comprehensive exams. You can believe 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 obligated to follow one of two sets of standards:
- Suitability Standard: This standard is set by the Financial Industry Regulatory Authority (FINRA), and vaguely asserts 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 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 could mean they give you retirement advice based on the commission they might receive, or are pushing 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 bound to it. We are obligated to put your best interests first, act with the skill and discernment of a professional, strive to avoid conflicts of interest, disclose unavoidable 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 recommendation we give you or decision we make concerning your wealth is made with the best interest of you and your family in mind.
Who Does the Retirement Consultant Work For?
Many Oakville, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and thusly may be limited in the investing options they can offer you, 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 one financial institution, and therefore will evaluate a multitude of investment options 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 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 complex to balance all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best judge how to manage your savings and retirement funds. Among the factors 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 stipulates your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will be different 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 stop working.
- When to Withdraw Money, and How Much to Withdraw. Depending on where your money is being saved and invested, the optimal timing and amount of your withdrawals will vary. Different kinds of accounts have different regulations, for example minimum withdrawals once you reach a certain age.
- Calculate 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 skilled Oakville, MO retirement consultant can help you increase 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 Oakville, MO retirement planning advisors examine the complete picture of your finances so each detail of your retirement planning is well thought out 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
Contact a Oakville, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Oakville, MO Correct Capital retirement consultant will help you feel assured 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 golden years. As fiduciary financial advisors, we are legally and ethically bound to always act in your best interest. To discover more about how we can help you accomplish your financial goals, call us at 877-930-4015 or contact us online.