Retirement Consultant Sappington, MO. Whether you dream of filling your golden years with vacations to Cabo, driving through the city in a brand new sports car, hanging out on the front porch, or leaving the biggest possible inheritance behind for your kids as possible, you require a committed and knowledgeable retirement consultant to help you achieve your goals. Wherever you are in life now, the Sappington, MO retirement planning advisors at Correct Capital will design 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 dictate what you need from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will start by getting to know who you are 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 wealth 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, trust is at the center of our relationships with all our Sappington, 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 your retirement and retirement planning, and one of the most important is how to choose a Sappington, MO retirement consultant you can believe in. There are a variety of important facets to evaluate 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 given through short study and easy exams, or focus more on advertising than financial planning. Correct Capital is an experienced and trustworthy 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, intense study, and passing exhaustive exams. You can be sure that your Correct Capital retirement consultant has the experience and knowledge to successfully advise you in your retirement planning.
Is the Retirement Consultant a Fiduciary?
Investment professionals are obligated to follow one of two sets of standards:
- Suitability Standard: This standard is determined by the Financial Industry Regulatory Authority (FINRA), and vaguely states that an investment professional must pick planning and investment options that are “suitable” for their clients, but not necessarily the client’s best interest. Therefore, a broker that is bound by the suitability standard is under no legal obligation to work for 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 could get, or are selling products that aren’t necessarily in your best interest.
- Fiduciary Standard: This standard is overseen 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, manage your account with the skill and good judgement of a professional, strive 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 Sappington, 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 guidance we give you or decision we make with regard to your wealth is made with the best interest of you and your family in mind.
Who Does the Retirement Consultant Work For?
A lot of Sappington, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and thusly might not have a wide range of investing options they are able to offer you, 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 associated with any one financial institution, and therefore will analyze a variety 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 Sappington, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially astute Sappington, MO residents can find it complicated 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 facets 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 type of account, 401(k), or IRA you saved your money in.
- What Age to Retire. The Social Security Agency decides 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 create a retirement plan for you that includes the ideal age for you to retire.
- 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 rules, such as minimum withdrawals after a certain age.
- Determine a Retirement Budget. The way you want to live your life, as well as how much you were able to save and your age, will determine your retirement budget. A knowledgeable Sappington, MO retirement consultant can help you increase 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 Sappington, MO retirement planning professionals look at the full scope of your finances so each element 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
- Social Security Consultants Near Me
- Retirement Calculator
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 confident and at ease about how your wealth is growing for the future. Our retirement plan professionals have over 30 years of experience helping Sappington, 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 learn more about how we can help you achieve your financial goals, call us at 314-930-401K or contact us online.