Retirement Consultant in St. Charles County, MO

Retirement Consultant St. Charles County, MO. Whether you dream of filling your golden years with trips to Bora Bora, driving through town in a classic sports car, hanging out on the back porch, or leaving as much behind for your kids as possible, you require a committed and experienced retirement consultant to help you realize your goals. Regardless of where you are in life at the moment, the St. Charles County, 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 dictate 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 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 we know the best strategies to employ 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 St. Charles County, 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 your retirement and retirement planning, and one of the most essential is how to pick a St. Charles County, MO retirement consultant you can believe in. There are a lot of of important facets to consider when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anybody can use fictionalized titles like “retirement specialists,” and certain certifications are awarded through short study and easy exams, or have more to do with marketing than retirement planning. Correct Capital is an experienced and trustworthy team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be obtained through years of experience, extra education requirements, dedicated 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 bound by one of two sets of standards:

  1. Suitability Standard: This standard is set 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 follows the suitability standard carries no legal duty 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 might not be in your best interest.
  2. 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 put your best interests first, act with the deftness and discernment of a professional, try 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 St. Charles County, 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 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?

A lot of St. Charles County, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently might not have a wide range of investing options they are able to offer you, 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 connected with any one financial institution, and therefore will analyze a plethora of investment opportunities 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 St. Charles County, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially astute St. Charles County, MO residents can find it difficult to balance all of their options regarding their 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 various 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 defines your “full” or “normal” retirement age (FRA) based on the year you were born. The social security benefits you receive will be altered if you retire before or after your FRA. As our retirement consultants at Correct Capital get to know you, they will develop a retirement plan for you that includes the best 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 vary. Different types of accounts have different rules, for example minimum withdrawals after a certain age.
  • Determine a Retirement Budget. The way you want to live your life, combined with how much you were able to save and your age, will dictate your retirement budget. A talented St. Charles County, 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 St. Charles County, MO retirement planning professionals examine the complete picture of your finances so each facet of your retirement planning is attended to and optimized.

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Contact a St. Charles County, MO Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your St. Charles County, MO Correct Capital retirement consultant will help you feel confident and relaxed about how your wealth is growing for the future. Our retirement plan professionals have over three decades of experience helping St. Charles County, 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 accomplish your financial goals, call us at 314-930-401K or contact us online.


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