Retirement Consultant in Rock Hill, MO

Retirement Consultant Rock Hill, MO. Whether you have your heart set on filling your golden years with vacations to Cartagena, driving around town in a vintage sports car, smoking cigars on the front porch, or leaving the biggest possible inheritance behind for your family as possible, you require a dedicated and experienced retirement consultant to help you achieve your dreams. Wherever you are in life now, the Rock Hill, MO retirement planning advisors at Correct Capital will implement 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 begin by getting to know you personally so that we can best realize how we can help you achieve 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 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 core of our relationships with all our Rock Hill, 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 how to best start your retirement planning, and chief among them is how to decide on a Rock Hill, MO retirement consultant you can believe in. There are a lot of 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 certain certifications are awarded through short study and easy exams, or have more to do with advertising 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 attained through years of experience, extra education requirements, intense study, and passing comprehensive tests. You can be confident 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 obligated to follow one of two sets of standards:

  1. Suitability Standard: This standard is overseen by the Financial Industry Regulatory Authority (FINRA), and vaguely says 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 is bound by 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 give you retirement advice based on the commission they might be paid, or are selling products that aren’t necessarily 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 follow it. We are obligated to put your best interests first, act with the deftness and good judgement of a professional, endeavor to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in your best interest.

At Correct Capital, we build personal relationships with our Rock Hill, MO clients that are built on trust. We get to know you and your financial planning and retirement planning needs, and each piece of advice we give you or decision we make concerning 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 consequently might be limited in the investing options they are able to provide you with, 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 connected with any one financial institution, and thusly will evaluate a multitude of investment options to find the ones that fit best with you and your needs. Our advice is grounded in 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 shrewd Rock Hill, MO residents can find it hard to balance all of their options when it comes to retirement planning. A trustworthy and savvy retirement consultant can help you best decide how to manage your savings and retirement funds. Among the factors of retirement planning Correct Capital can help with are:

  • Tax Implications. Depending on how your money was saved in various 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 defines 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 come to understand who you are and what you need, they will create 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 best timing and size of your withdrawals will change. Different types of accounts have different rules, for example minimum withdrawals after a certain age.
  • Calculate a Retirement Budget. The type of lifestyle you want, combined with how much you were able to save and your age, will dictate 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 consultants examine 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 Rock Hill, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Rock Hill, 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 advisors have over three decades of experience helping Rock Hill, 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 discover more about how we can help you meet your retirement goals, call us at 314-930-401K or contact us online.


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