Retirement Consultant Olivette, MO. Whether you have your heart set on filling your golden years with holidays in Bora Bora, driving around the city in a vintage sports car, smoking cigars on the front porch, or leaving as much behind for your grandkids as possible, you need a committed and skilled retirement consultant to help you achieve your goals. Regardless of where you are in life currently, the Olivette, 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 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 you personally 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 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 Olivette, MO clients, and we want you to have peace of mind that we have your best interest at heart.
Schedule a Meeting With an Advisor Today
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.
Schedule a 15-Minute Introductory Call
More From Correct Capital Wealth Management
Explore how Correct Capital Wealth Management can help guide you toward smarter decisions, clearer goals, and lasting financial success.
Subscribe To Our Newsletter Listen To Our Podcast Watch Our YouTube Channel
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 one of the most important is how to pick a Olivette, MO retirement consultant you can trust. There are many of important elements to consider when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anyone can use made up titles like “retirement specialists,” and some certifications are given through short study and easy exams, or have more to do with marketing than financial planning. Correct Capital is an experienced and honest team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be achieved through years of experience, extra education requirements, intense study, and passing exhaustive tests. You can trust that your Correct Capital retirement consultant has the experience and knowledge to effectively advise you in your retirement planning.
Is the Retirement Consultant a Fiduciary?
Investment professionals are required to follow one of two sets of standards:
- Suitability Standard: This standard is overseen by the Financial Industry Regulatory Authority (FINRA), and vaguely says 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. As such, a broker that follows the suitability standard carries no legal duty to follow your best interests instead of their own, and they also serve the broker-dealers they work for. 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.
- 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 put your best interests first, behave with the deftness and discernment of a professional, try to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.
The relationship between a Correct Capital retirement consultant and our Olivette, 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 regarding 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 Olivette, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore might be limited in the investing options they are able to 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 affiliated with any one financial institution, and thusly will analyze a multitude of investment opportunities to find the ones that work best for your individual needs. Our advice is based on knowledge, experience, in-depth data and analytics, and how we can best serve our Olivette, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially sharp Olivette, 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 determine how to manage your savings and retirement funds. Among the elements of retirement planning Correct Capital will discuss with you are:
- Tax Implications. How much you pay in taxes and when you pay them depends on which type 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 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 types of accounts have different rules, such as minimum withdrawals after a certain age.
- Determine a Retirement Budget. The type of lifestyle you want, as well as how much you were able to save and your age, will determine your retirement budget. A skilled Olivette, MO retirement consultant can help you increase the amount of money 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 Olivette, MO retirement planning consultants look at the full scope of your finances so each facet of your retirement planning is paid attention to and optimized.
Take a look at the links below to see what other financial services we offer:
Contact a Olivette, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Olivette, MO Correct Capital retirement consultant will help you feel confident and relaxed about you and your family’s future. Our retirement plan specialists have over 30 years of experience helping Olivette, MO residents and families live the life they dreamed of in their retirement. 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 meet your retirement goals, call us at 877-930-4015 or contact us online.
