Retirement Consultant in O'Fallon, MO

Retirement Consultant O'Fallon, MO. Whether you have your heart set on filling your golden years with trips to Bora Bora, cruising through the city in a vintage sports car, hanging out on the back porch, or leaving as much behind for your family as possible, you require a dedicated and skilled retirement consultant to help you realize your goals. Wherever you are in life currently, the O'Fallon, MO retirement planning advisors at Correct Capital will create 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 personal retirement goals will decide what you require from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will start by getting to know you personally so that we can best realize 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 we know the best strategies to utilize 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 O'Fallon, 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

In all likelihood, you have a lot of questions about your retirement and retirement planning, and chief among them is how to decide on a O'Fallon, MO retirement consultant you can believe in. There are a number of important elements to think about when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anyone can use made up titles like “retirement specialists,” and many certifications are given through short study and easy exams, or focus more on advertising than financial planning. Correct Capital is a knowledgeable and honest team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be obtained through years of experience, extra education requirements, determined study, and passing comprehensive tests. You can believe that your Correct Capital retirement consultant has the experience and knowledge to successfully 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 determined 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 makes no mention of the client’s best interest. As such, a broker that follows the suitability standard is under no legal duty to follow 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 get, or are selling products that aren’t necessarily in your best interest.
  2. Fiduciary Standard: This standard is overseen 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, manage your account with the skill and discernment of a professional, strive to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in your best interest.

The relationship between a Correct Capital retirement consultant and our O'Fallon, 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 concerning your wealth is made with the best interest of you and your family at heart.

Who Does the Retirement Consultant Work For?

Many O'Fallon, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently might not have a wide array of investing options they can offer you, or may sell you products or mutual funds that are not really 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 connected with any one financial institution, and therefore will evaluate a variety of investment options to find the ones that fit best with you and your needs. Our advice is built on knowledge, experience, in-depth data and analytics, and how we can best serve our O'Fallon, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially shrewd O'Fallon, MO residents can find it difficult 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. 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 decides your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will change if you retire before or after 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 retire.
  • 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 change. Different kinds of accounts have different rules, for example minimum withdrawals after a certain age.
  • Determine a Retirement Budget. The kind of lifestyle you want, together with how much you were able to save and your age, will determine your retirement budget. A skilled O'Fallon, MO retirement consultant can help you increase the amount of funds 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 O'Fallon, MO retirement planning consultants 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 O'Fallon, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your O'Fallon, 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 30 years of experience helping O'Fallon, MO residents and families live the life they dreamed of in their golden years. 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 accomplish your financial goals, call us at 314-930-401K or contact us online.


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