Retirement Consultant in Tower Grove, MO

Retirement Consultant Tower Grove, MO. Whether you have your heart set on filling your golden years with trips to Paris, driving through 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 need a devoted and experienced retirement consultant to help you realize your dreams. Wherever you are in life now, the Tower Grove, MO retirement planning advisors at Correct Capital will construct 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 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 who you are so that we can best realize how we can help you achieve your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a plethora of research and data, and we know the best strategies to utilize in order to grow your wealth. We are independently owned and will only give you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Tower Grove, 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

In all likelihood, you have a lot of questions about how to best start your retirement planning, and chief among them is how to decide on a Tower Grove, 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 have more to do with advertising than financial planning. Correct Capital is an experienced 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, intense study, and passing exhaustive tests. You can trust 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 bound by 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 pick planning and investment options that are “suitable” for their clients, but makes no mention of the client’s best interest. As such, a broker that follows the suitability standard feels no legal duty to work for your best interests instead of their own, and they also serve the broker-dealers they work for. This might mean they make decisions with your money based on the commission they might get, or are selling products that aren’t necessarily in your best interest.
  2. Fiduciary Standard: This standard is regulated by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally bound to it. We are obligated to have your best interest at heart, act with the acuity and discernment of a professional, try to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.

The relationship between a Correct Capital retirement consultant and our Tower Grove, MO clients is built on trust and our personal relationship with each other. We get to know you and your financial planning and retirement planning needs, and every piece of guidance 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 Tower Grove, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently might be limited in the investing options they can 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 consequently will evaluate a plethora 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 Tower Grove, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially astute Tower Grove, MO residents can find it hard to weigh 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 facets 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 decides 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 create 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 ideal timing and size of your withdrawals will vary. Different types of accounts have different regulations, for example minimum withdrawals after a certain age.
  • Calculate a Retirement Budget. The type of lifestyle you want, as well as how much you were able to save and your age, will decide your retirement budget. A talented Tower Grove, MO retirement consultant can help you raise 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 Tower Grove, MO retirement planning advisors look at the complete picture of your finances so each aspect of your retirement planning is well thought out and optimized.

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Contact a Tower Grove, MO Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your Tower Grove, MO Correct Capital retirement consultant will help you feel assured and at ease about how your wealth is growing for the future. Our retirement plan professionals have over 30 years of experience helping Tower Grove, MO residents and families live the life they dreamed of in their golden years. 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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