Retirement Consultant Sappington, MO. Whether you dream of filling your golden years with vacations to Maui, cruising around town in a brand new sports car, smoking cigars on the back porch, or leaving the biggest possible inheritance behind for your kids as possible, you need a dedicated and knowledgeable retirement consultant to help you reach your dreams. Regardless of where you are in life at the moment, the Sappington, 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 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 you personally in order to best realize how we can help you realize 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 only give you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Sappington, 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 how to best start your retirement planning, and principal among them is how to pick a Sappington, MO retirement consultant you can trust. There are a variety of important factors to think about when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anybody can use pretend titles like “retirement specialists,” and many certifications are received through short study and easy exams, or have more to do with advertising than financial planning. Correct Capital is a knowledgeable and trustworthy team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be obtained through years of experience, extra education requirements, committed study, and passing comprehensive exams. You can be sure that your Correct Capital retirement consultant has the experience and knowledge to effectively manage 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 not necessarily the client’s best interest. That means a broker that is bound by the suitability standard feels no legal duty to work for 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 might be paid, or are selling products that aren’t necessarily in your best interest.
- Fiduciary Standard: This standard is set by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally bound to it. We are obligated to have your best interest at heart, behave with the skill and good judgement of a professional, try to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in your best interest.
At Correct Capital, we build personal relationships with our Sappington, MO clients that are built on trust. 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?
Many Sappington, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and thusly might not have a wide array of investing options they can 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 one financial institution, and therefore will evaluate a multitude 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 Sappington, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially sharp Sappington, MO residents can find it complex to weigh 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 facets 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 decides your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will be different if you retire earlier or later than your FRA. As our retirement consultants at Correct Capital get to know you, they will develop 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 regulations, such as 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 dictate your retirement budget. A skilled Sappington, MO retirement consultant can help you raise the amount of money 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 Sappington, MO retirement planning consultants look at the full scope of your finances so each detail of your retirement planning is well thought out 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
- 401(k) For Small Business
- Small Business Retirement Plans
- Tax Planning
Contact a Sappington, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Sappington, MO Correct Capital retirement consultant will help you feel assured and at ease about you and your family’s future. Our retirement plan advisors have over 30 years of experience helping Sappington, 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 meet your financial goals, call us at 877-930-4015 or contact us online.
