Retirement Consultant in St. Charles County, MO

Retirement Consultant St. Charles County, MO. Whether you have your heart set on filling your golden years with trips to Bora Bora, driving around the hills in a vintage sports car, hanging out on the back porch, or leaving the biggest possible inheritance behind for your family as possible, you need a dedicated and skilled retirement consultant to help you achieve your dreams. Regardless of where you are in life at the moment, the St. Charles County, MO retirement planning advisors at Correct Capital will create 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 determine what you require 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 recognize how we can help you realize your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wealth of research and data, and knowledge of 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 St. Charles County, 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 principal among them is how to choose a St. Charles County, MO retirement consultant you can trust. There are a variety of important factors to consider when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anybody can use made up titles like “retirement specialists,” and many certifications are awarded through short study and easy exams, or pertain more to advertising than retirement planning. Correct Capital is an experienced and honest team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be obtained 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 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 determined by the Financial Industry Regulatory Authority (FINRA), and vaguely asserts that an investment professional must choose planning and investment options that are “suitable” for their clients, but not necessarily the client’s best interest. 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 who hire them. This could mean they make decisions with your money based on the commission they could be paid, or are pushing products that might not be 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, behave with the acuity and good judgement of a professional, strive to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in your best interest.

At Correct Capital, we build personal relationships with our St. Charles County, MO clients that are based 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 in mind.

Who Does the Retirement Consultant Work For?

Many St. Charles County, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and therefore may not have a wide range of investing options they can 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 affiliated with any one financial institution, and thusly will evaluate a multitude of investment opportunities to find the ones that work best for your individual needs. Our advice is built 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 complex 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 elements of retirement planning Correct Capital can help with 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 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 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 differ. Different types of accounts have different regulations, for example 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 determine your retirement budget. A talented St. Charles County, MO retirement consultant can help you raise the amount of savings 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 advisors look at the full scope 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

Whether you’re nearing retirement, or just want to plan as far ahead as possible, 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 professionals have over 30 years 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 bound to always act in your best interest. To learn more about how we can help you achieve your retirement goals, call us at 314-930-401K or contact us online.


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