Retirement Consultant O'Fallon, MO. Whether you dream of filling your golden years with holidays in Cabo, cruising through the city in a vintage sports car, hanging out on the front porch, or leaving the biggest possible inheritance behind for your grandkids as possible, you need a devoted and knowledgeable 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 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 begin by getting to know who you are in order to 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 wide array of research and data, and knowledge of the best strategies to use 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 O'Fallon, 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
You probably have a lot of questions about your retirement and retirement planning, and principal among them is how to decide on a O'Fallon, MO retirement consultant you can trust. There are a number of important facets to evaluate when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anyone can use pretend titles like “retirement specialists,” and many certifications are given through short study and easy exams, or have more to do with advertising than financial 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 obtained through years of experience, extra education requirements, determined study, and passing exhaustive tests. You can be sure 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 obligated to follow one of two sets of standards:
- Suitability Standard: This standard is determined 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 makes no mention of the client’s best option. Therefore, a broker that is bound by the suitability standard carries 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 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 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, act with the deftness and discernment of a professional, try to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.
At Correct Capital, we build personal relationships with our O'Fallon, 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 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 O'Fallon, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently might not have a wide range of 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 connected with any one financial institution, and therefore will evaluate a variety of investment options 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 O'Fallon, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially astute O'Fallon, MO residents can find it complicated 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 facets 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 change if you retire before or after your FRA. As our retirement consultants at Correct Capital get to know you, they will draw up a retirement plan for you that includes the best 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 best timing and size of your withdrawals will differ. Different kinds of accounts have different regulations, for example minimum withdrawals after a certain age.
- Calculate a Retirement Budget. The type of lifestyle you want, together with how much you were able to save and your age, will dictate your retirement budget. An accomplished O'Fallon, MO retirement consultant can help you raise 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 O'Fallon, MO retirement planning professionals examine the full scope of your finances so each element 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 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 confident and relaxed about how your wealth is growing for the future. Our retirement plan advisors 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 compelled to always act in your best interest. To find out more about how we can help you accomplish your retirement goals, call us at 877-930-4015 or contact us online.
