Retirement Consultant in Rock Hill, MO

Retirement Consultant Rock Hill, MO. Whether you have your heart set on filling your golden years with trips to Bora Bora, cruising through town in a classic sports car, smoking cigars on the back porch, or leaving as much behind for future generations as possible, you require a dedicated and experienced retirement consultant to help you realize your dreams. Wherever you are in life now, the Rock Hill, MO retirement planning advisors at Correct Capital will create 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 start by getting to know you personally so that we can recognize how we can help you reach your goals. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a plethora of research and data, and understanding of the best strategies to use 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 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

You likely have a lot of questions about your retirement and retirement planning, and principal among them is how to choose a Rock Hill, MO retirement consultant you can believe in. There are a number of important factors to evaluate when hiring a retirement consultant.


What Qualifications 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 focus more on marketing than financial planning. Correct Capital is a knowledgeable and trustworthy team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be achieved through years of experience, extra education requirements, determined study, and passing exhaustive 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 obligated to follow 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 makes no mention of the client’s best option. As such, a broker that complies with the suitability standard has no legal duty to follow your best interests instead of their own, and they also have to listen to the broker-dealers they work for. This might mean they give you retirement advice based on the commission they could get, or are selling products that aren’t necessarily in your best interest.
  2. 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, manage your account 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.

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 guidance we give you or decision we make concerning your wealth is made with the best interest of you and your family at heart.

Who Does the Retirement Consultant Work For?

Many Rock Hill, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently may 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 connected with any single financial institution, and therefore will evaluate a plethora of investment options 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 Rock Hill, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially sharp Rock Hill, MO residents can find it complex to balance all of their options when it comes to 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 defines 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 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 optimal timing and size of your withdrawals will vary. Different types of accounts have different rules, for example minimum withdrawals after a certain age.
  • Calculate a Retirement Budget. The way you want to live your life, together with how much you were able to save and your age, will dictate your retirement budget. An accomplished Rock Hill, MO retirement consultant can help you raise the amount of savings 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 Rock Hill, MO retirement planning advisors look at the full scope of your finances so each facet of your retirement planning is well thought out and optimized.

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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 confident and relaxed about you and your family’s future. Our retirement plan specialists 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 obligated to always act in your best interest. To discover more about how we can help you meet your financial goals, call us at 314-930-401K or contact us online.


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