Retirement Consultant Rock Hill, MO. Whether you plan on filling your golden years with holidays in Paris, driving around the hills in a classic sports car, hanging out on the back porch, or leaving as much behind for your kids as possible, you need a devoted and knowledgeable retirement consultant to help you achieve your objectives. Wherever you are in life currently, the Rock Hill, 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 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 so that we can recognize how we can help you reach your dreams. 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 offer you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Rock Hill, 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 one of the most important is how to decide on a Rock Hill, MO retirement consultant you can believe in. There are a lot of of important elements to evaluate when hiring a retirement consultant.
What Qualifications Does a Retirement Consultant Have?
Anybody can use made up titles like “retirement specialists,” and many certifications are given through short study and easy exams, or pertain more to marketing than retirement planning. Correct Capital is a knowledgeable and honest team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be attained through years of experience, extra education requirements, dedicated study, and passing comprehensive tests. 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:
- 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. As such, a broker that is bound by 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 hire them. This could mean they give you retirement advice based on the commission they could be paid, or are selling 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 compelled to follow it. We are obligated to have your best interest at heart, act with the deftness and good judgement of a professional, endeavor 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 Rock Hill, MO clients is based 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 in mind.
Who Does the Retirement Consultant Work For?
Many Rock Hill, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and therefore might not have a wide range of investing options they are able to provide you with, or may push 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 affiliated with any single financial institution, and consequently will evaluate a plethora of investment opportunities 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 Rock Hill, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially smart Rock Hill, MO residents can find it hard to weigh all of their options when it comes to retirement planning. A trustworthy and savvy retirement consultant can help you best determine how to manage your savings and retirement funds. Among the aspects of retirement planning Correct Capital will discuss with you are:
- Tax Implications. Depending on how your money was saved in different kinds 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 the year you were born. The social security benefits you receive will be different 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 ideal 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 optimal timing and size of your withdrawals will change. Different types of accounts have different rules, such as minimum withdrawals once you reach 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 decide your retirement budget. A talented Rock Hill, MO retirement consultant can help you raise 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 Rock Hill, MO retirement planning advisors look at the complete picture of your finances so each element 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:
- Succession Planning
- Fiduciary Financial Advisor
- Company 401(k) Plans
- ESOP Advisor
- Self-Employed Retirement Plans
Contact a Rock Hill, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Rock Hill, MO Correct Capital retirement consultant will help you feel assured and relaxed about how your wealth is growing for the future. Our retirement plan professionals have over three decades of experience helping Rock Hill, 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 learn more about how we can help you meet your retirement goals, call us at 877-930-4015 or contact us online.
