Retirement Consultant St. Charles County, MO. Whether you have your heart set on filling your golden years with trips to Paris, cruising around town in a brand new sports car, smoking cigars on the front porch, or leaving as much behind for future generations as possible, you require a committed and knowledgeable retirement consultant to help you realize your goals. Wherever you are in life currently, the St. Charles County, MO retirement planning advisors at Correct Capital will construct a customized 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 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 who you are so that we can best understand how we can help you reach your objectives. 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 employ in the interest of growing your wealth. We are independently owned and will only give 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.
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Correct Capital Wealth Management's office is physically located in St. Louis, MO, but we serve clients throughout the United States in both personal financial planning and corporate retirement plans.
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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 chief among them is how to pick a St. Charles County, MO retirement consultant you can trust. There are a variety of important elements 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 pertain more to marketing than retirement 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, determined study, and passing exhaustive tests. You can believe that your Correct Capital retirement consultant has the experience and knowledge to effectively advise you in your retirement planning.
Is the Retirement Consultant a Fiduciary?
Investment professionals are bound by one of two sets of standards:
- Suitability Standard: This standard is overseen 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 not necessarily the client’s best interest. Therefore, a broker that is bound by the suitability standard carries no legal obligation to follow your best interests instead of their own, and they also have to listen to the broker-dealers they work for. This could mean they give you retirement advice based on the commission they might receive, or are pushing products that aren’t necessarily in your best interest.
- 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 have your best interest at heart, act with the deftness and discernment of a professional, try to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in the way that’s best for your and your money.
At Correct Capital, we build personal relationships with our St. Charles County, 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 regarding your wealth is made with the best interest of you and your family at heart.
Who Does the Retirement Consultant Work For?
Many St. Charles County, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently may not have a wide range of investing options they are able to provide you with, or may sell you 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 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 smart St. Charles County, MO residents can find it complicated to balance 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 factors of retirement planning Correct Capital will discuss with you 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 stipulates your “full” or “normal” retirement age (FRA) based on the year you were born. The social security benefits you receive will vary if you retire earlier or later than 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 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 amount of your withdrawals will vary. Different kinds of accounts have different regulations, for example minimum withdrawals after a certain age.
- Calculate 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. An accomplished St. Charles County, MO retirement consultant can help you increase the amount of funds 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 St. Charles County, MO retirement planning professionals examine the full scope of your finances so each facet 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
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 assured and relaxed about you and your family’s future. Our retirement plan specialists have over three decades of experience helping St. Charles County, MO residents and families live the life they dreamed of in their golden years. 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 accomplish your retirement goals, call us at 877-930-4015 or contact us online.
