Retirement Consultant in Sunset Hills, MO

Retirement Consultant Sunset Hills, MO. Whether you have your heart set on filling your golden years with holidays in Paris, driving through the hills in a vintage sports car, smoking cigars on the front porch, or leaving as much behind for your kids as possible, you require a dedicated and experienced retirement consultant to help you realize your goals. Wherever you are in life now, the Sunset Hills, 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 retirement planning needs are based on your personal goals in retirement. When you hire a retirement consultant at Correct Capital, we will start by getting to know who you are so that we can best understand 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 the interest of growing 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, our relationship with our Sunset Hills, 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

You likely have a lot of questions about your retirement and retirement planning, and chief among them is how to choose a Sunset Hills, MO retirement consultant you can believe in. There are a lot of of important factors to consider when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anybody can use pretend titles like “retirement specialists,” and some certifications are received through short study and easy exams, or focus more on advertising than financial planning. Correct Capital is a knowledgeable and trustworthy 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, determined study, and passing exhaustive exams. You can believe that your Correct Capital retirement consultant has the experience and knowledge to successfully 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 set 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. That means a broker that follows the suitability standard is under 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 give you retirement advice based on the commission they might be paid, or are selling products that aren’t necessarily 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, behave with the skill and discernment of a professional, endeavor 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 Sunset Hills, MO clients that are built 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 concerning your wealth is made with the best interest of you and your family at heart.

Who Does the Retirement Consultant Work For?

Many Sunset Hills, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and consequently may be limited in the investing options they can 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 opportunities to find the ones that fit best with you and your needs. Our advice is built on knowledge, experience, in-depth data and analytics, and how we can best serve our Sunset Hills, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially shrewd Sunset 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 judge how to manage your savings and retirement funds. Among the elements of retirement planning Correct Capital can help with are:

  • Tax Implications. Depending on how your money was saved in different 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 stipulates 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 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 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 vary. Different types of accounts have different rules, for example minimum withdrawals after a certain age.
  • Determine a Retirement Budget. The type of lifestyle you want, combined with how much you were able to save and your age, will dictate your retirement budget. A talented Sunset Hills, MO retirement consultant can help you increase the amount of money 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 Sunset Hills, MO retirement planning professionals look at the complete picture of your finances so each facet of your retirement planning is paid attention to and optimized.

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Contact a Sunset Hills, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Sunset Hills, MO Correct Capital retirement consultant will help you feel assured and at ease about you and your family’s future. Our retirement plan professionals have over 30 years of experience helping Sunset Hills, MO residents and families live the life they dreamed of in their retirement. 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 meet your retirement goals, call us at 314-930-401K or contact us online.


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