Retirement Consultant Sunset Hills, MO. Whether you dream of filling your golden years with holidays in Bora Bora, cruising around the hills in a brand new sports car, smoking cigars on the front porch, or leaving the biggest possible inheritance behind for future generations as possible, you require a dedicated and skilled retirement consultant to help you realize your objectives. Wherever you are in life currently, the Sunset 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 877-930-4015 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 realize how we can help you realize your goals. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to an abundance of research and data, and understanding of the best strategies to use 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 Sunset Hills, MO clients, and we want you to have 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
You likely have a lot of questions about your retirement and retirement planning, and one of the most vital is how to choose a Sunset Hills, MO retirement consultant you can trust. There are many of important elements to think about 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 given through short study and easy exams, or pertain more to advertising than financial planning. Correct Capital is an accomplished and honest team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be achieved through years of experience, extra education requirements, committed study, and passing exhaustive exams. You can be confident 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 obligated to follow one of two sets of standards:
- Suitability Standard: This standard is set 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 makes no mention of the client’s best option. As such, a broker that is bound by the suitability standard has no legal obligation 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 receive, or are selling 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 compelled to follow it. We are obligated to have your best interest at heart, behave with the acuity and discernment 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 Sunset Hills, 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 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 Sunset Hills, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and therefore may be limited in the investing options they are able to provide you with, or may sell you products or mutual funds that are not really 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 single financial institution, and therefore will analyze a variety of investment opportunities to find the ones that fit best with you and your needs. Our advice is grounded in 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 complex to balance all of their options when it comes to 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 will discuss with you 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 your birth year. The social security benefits you receive will change if you retire before or after your FRA. As our retirement consultants at Correct Capital get to know you, they will develop 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 amount of your withdrawals will change. Different types of accounts have different rules, such as minimum withdrawals once you reach 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 decide your retirement budget. A skilled Sunset Hills, MO retirement consultant can help you raise the amount of funds 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 Sunset Hills, 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 Sunset Hills, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Sunset Hills, MO Correct Capital retirement consultant will help you feel confident and relaxed about you and your family’s future. Our retirement plan professionals have over three decades of experience helping Sunset Hills, MO residents and families live the life they dreamed of in their golden years. 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 accomplish your retirement goals, call us at 877-930-4015 or contact us online.
