Retirement Consultant in St. Peters, MO

Retirement Consultant St. Peters, MO. Whether you dream of filling your golden years with trips to Bora Bora, driving around town in a vintage sports car, hanging out on the front porch, or leaving as much behind for your family as possible, you need a committed and knowledgeable retirement consultant to help you realize your objectives. No matter where you are in life at the moment, the St. Peters, MO retirement planning advisors at Correct Capital will create a customized 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 decide 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 realize how we can help you reach your objectives. 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 core of our relationships with all our St. Peters, 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

You probably have a lot of questions about your retirement and retirement planning, and one of the most vital is how to choose a St. Peters, MO retirement consultant you can believe in. There are a lot of of important elements to evaluate when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anyone can use fictionalized titles like “retirement specialists,” and some certifications are awarded through short study and easy exams, or have more to do with marketing than retirement planning. Correct Capital is a knowledgeable and honest team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be acquired through years of experience, extra education requirements, committed study, and passing comprehensive exams. You can trust 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 overseen 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. That means a broker that is bound by the suitability standard is under no legal obligation to follow 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 receive, or are selling products that might not be 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 compelled to follow it. We are obligated to have your best interest at heart, manage your account with the skill and discernment of a professional, endeavor to avoid conflicts of interest, disclose unavoidable 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. Peters, 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?

A lot of St. Peters, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore might not have a wide range of investing options they can offer you, 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 associated with any one financial institution, and thusly will evaluate a variety of investment opportunities to find the ones that work best for your individual needs. Our advice is grounded in knowledge, experience, in-depth data and analytics, and how we can best serve our St. Peters, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially smart St. Peters, MO residents can find it hard to balance all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best judge how to manage your savings and retirement funds. Among the factors of retirement planning Correct Capital can help with 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 defines your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will change if you retire earlier or later than your FRA. As our retirement consultants at Correct Capital get to know you, 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 optimal timing and size of your withdrawals will change. 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 dictate your retirement budget. A knowledgeable St. Peters, MO retirement consultant can help you increase 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. Peters, MO retirement planning consultants examine 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. Peters, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your St. Peters, 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 30 years of experience helping St. Peters, 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 discover more about how we can help you realize your retirement goals, call us at 314-930-401K or contact us online.


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