Retirement Consultant in Swansea, IL

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Retirement Consultant Swansea, IL. Whether you dream of filling your golden years with holidays in Bora Bora, cruising through the city in a vintage sports car, smoking cigars on the front porch, or leaving as much behind for your family as possible, you require a devoted and experienced retirement consultant to help you achieve your objectives. No matter where you are in life at the moment, the Swansea, IL retirement planning advisors at Correct Capital will implement a customized 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 begin by getting to know you personally in order to best understand how we can help you realize your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wide array 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, our relationship with our Swansea, IL clients begins with trust and your 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 important is how to pick a Swansea, IL retirement consultant you can trust. There are many of important facets to evaluate when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anyone can use fictionalized titles like “retirement specialists,” and certain certifications are awarded through short study and easy exams, or focus more on advertising than retirement planning. Correct Capital is a knowledgeable 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, intense study, and passing exhaustive tests. You can be sure that your Correct Capital retirement consultant has the experience and knowledge to effectively 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 regulated 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 option. As such, 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 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 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 comply with it. We are obligated to put your best interests first, act with the skill and discernment of a professional, strive 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 Swansea, IL 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 in mind.

Who Does the Retirement Consultant Work For?

Many Swansea, IL financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and thusly might be limited in the investing options they are able to provide you with, or may push 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 one financial institution, and thusly will analyze a multitude of investment opportunities to find the ones that fit best with you and your needs. Our advice is based on knowledge, experience, in-depth data and analytics, and how we can best serve our Swansea, IL clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially sharp Swansea, IL residents can find it complicated to weigh all of their options when it comes to retirement planning. A trustworthy and savvy retirement consultant can help you best decide how to manage your savings and retirement funds. Among the aspects of retirement planning Correct Capital can help with are:

  • Tax Implications. Depending on how your money was saved in various 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 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 create a retirement plan for you that includes the ideal 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 change. Different kinds of accounts have different rules, such as minimum withdrawals once you reach a certain age.
  • Calculate a Retirement Budget. The type of lifestyle you want, combined with how much you were able to save and your age, will decide your retirement budget. A knowledgeable Swansea, IL 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 Swansea, IL retirement planning professionals look at the full scope of your finances so each aspect of your retirement planning is attended to and optimized.

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Contact a Swansea, IL Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Swansea, IL 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 Swansea, IL 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 learn more about how we can help you accomplish your financial goals, call us at 877-930-4015 or contact us online.


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