Retirement Consultant in St. Louis Hills, MO

Retirement Consultant St. Louis Hills, MO. Whether you plan on filling your golden years with trips to Cartagena, driving around the hills in a vintage sports car, smoking cigars on the front porch, or leaving the biggest possible inheritance behind for your family as possible, you require a devoted and experienced retirement consultant to help you reach your dreams. No matter where you are in life currently, the St. Louis Hills, 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 need from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will start by getting to know you personally so that we can best realize how we can help you reach your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a range of research and data, and knowledge 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, trust is at the core of our relationships with all our St. Louis Hills, 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. Louis Hills, MO retirement consultant you can believe in. There are many of important facets to evaluate when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anybody can use pretend titles like “retirement specialists,” and some certifications are given through short study and easy exams, or focus more on advertising than financial planning. Correct Capital is an experienced and honest team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be attained 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 advise you in your retirement planning.


Is the Retirement Consultant a Fiduciary?

Investment professionals are obligated to follow one of two sets of standards:

  1. Suitability Standard: This standard is determined by the Financial Industry Regulatory Authority (FINRA), and vaguely states that an investment professional must choose planning and investment options that are “suitable” for their clients, but not necessarily the client’s best interest. Therefore, a broker that follows the suitability standard feels 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 might mean they make decisions with your money based on the commission they might receive, or are pushing products that aren’t necessarily in your best interest.
  2. 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 put your best interests first, act with the acuity and discernment of a professional, endeavor 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. Louis Hills, MO clients that are based 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 St. Louis Hills, 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 are able to offer you, or may push 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 connected with any one financial institution, and therefore will analyze a plethora of investment options to find the ones that work best for your individual needs. Our advice is based on knowledge, experience, in-depth data and analytics, and how we can best serve our St. Louis Hills, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially smart St. Louis Hills, MO residents can find it complicated 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 factors 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 kind of account, 401(k), or IRA you saved your money in.
  • 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 change 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 draw up 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 kinds of accounts have different regulations, such as minimum withdrawals once you reach a certain age.
  • Calculate a Retirement Budget. The way you want to live your life, combined with how much you were able to save and your age, will decide your retirement budget. A knowledgeable St. Louis Hills, 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. Louis Hills, MO retirement planning advisors look at the full scope of your finances so each detail of your retirement planning is paid attention to and optimized.

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Contact a St. Louis Hills, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your St. Louis Hills, MO Correct Capital retirement consultant will help you feel confident and at ease about you and your family’s future. Our retirement plan professionals have over three decades of experience helping St. Louis Hills, 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 achieve your retirement goals, call us at 314-930-401K or contact us online.


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