Retirement Consultant in Olivette, MO

Retirement Consultant Olivette, MO. Whether you dream of filling your golden years with vacations to Cabo, driving through the hills in a classic sports car, smoking cigars on the front porch, or leaving the biggest possible inheritance behind for your kids as possible, you need a devoted and skilled retirement consultant to help you reach your goals. Regardless of where you are in life now, the Olivette, 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 314-930-401K or fill out our online contact form.

Your personal retirement goals will dictate 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 dreams. 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 employ 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, our relationship with our Olivette, MO clients begins with trust and your 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 one of the most essential is how to choose a Olivette, MO retirement consultant you can believe in. There are a variety of important facets to evaluate when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anybody can use pretend titles like “retirement specialists,” and some certifications are received through short study and easy exams, or have more to do with marketing than retirement 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, committed study, and passing exhaustive exams. You can trust 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 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. That means a broker that complies with the suitability standard feels no legal obligation 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 might get, or are pushing products that might not be 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 compelled to comply with it. We are obligated to have your best interest at heart, behave with the skill and good judgement of a professional, endeavor 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 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 every piece of advice we give you or decision we make with regard to 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 are employed by brokerages, banks, or other financial institutions, and therefore may not have a wide range of investing options they can offer you, or may push 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 affiliated with any one financial institution, and consequently will evaluate a variety of investment options to find the ones that fit best with you and your 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 astute Olivette, MO residents can find it hard 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 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 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 be altered if you retire earlier or later than your FRA. As our retirement consultants at Correct Capital get to know you, they will create a retirement plan for you that includes the best 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 best timing and amount of your withdrawals will differ. Different kinds of accounts have different regulations, for example minimum withdrawals after a certain age.
  • Determine 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 Olivette, 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 Olivette, MO retirement planning consultants look at the complete picture of your finances so each aspect of your retirement planning is well thought out and optimized.

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Contact a Olivette, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Olivette, 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 three decades 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 bound to always act in your best interest. To find out more about how we can help you achieve your retirement goals, call us at 314-930-401K or contact us online.


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