Retirement Consultant Town and Country, MO. Whether you plan on filling your golden years with vacations to Bora Bora, cruising around the hills in a classic sports car, smoking cigars on the front porch, or leaving as much behind for your family as possible, you need a devoted and skilled retirement consultant to help you realize your goals. Regardless of where you are in life currently, the Town and Country, 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 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 realize how we can help you achieve 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 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, our relationship with our Town and Country, 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 probably have a lot of questions about how to best start your retirement planning, and chief among them is how to choose a Town and Country, MO retirement consultant you can believe in. There are a variety 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 certain certifications are received through short study and easy exams, or pertain more to marketing than retirement planning. Correct Capital is an experienced and honest team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be obtained through years of experience, extra education requirements, determined study, and passing exhaustive 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 required to follow one of two sets of standards:
- 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. As such, a broker that complies with the suitability standard is under no legal duty to follow your best interests instead of their own, and they also have to listen to the broker-dealers who employ them. This might mean they make decisions with your money based on the commission they might get, or are selling products that might not be in your best interest.
- Fiduciary Standard: This standard is overseen 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, behave with the deftness and discernment of a professional, strive to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in the way that’s best for your and your money.
The relationship between a Correct Capital retirement consultant and our Town and Country, MO clients is based 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 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?
A lot of Town and Country, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently 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 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 connected with any one financial institution, and therefore will analyze a multitude of investment opportunities to find the ones that work best for your individual needs. Our advice is based on knowledge, experience, in-depth data and analytics, and how we can best serve our Town and Country, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially sharp Town and Country, MO residents can find it complicated to balance all of their options when it comes to retirement planning. A trustworthy and savvy retirement consultant can help you best determine 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 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 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 before or after 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 retire.
- 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 kinds of accounts have different regulations, for example minimum withdrawals after a certain age.
- Determine a Retirement Budget. The kind of lifestyle you want, combined with how much you were able to save and your age, will decide your retirement budget. An accomplished Town and Country, MO retirement consultant can help you increase 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 Town and Country, MO retirement planning advisors examine the complete picture of your finances so each element of your retirement planning is attended to 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
- 401(k) For Small Business
- Small Business Retirement Plans
- Tax Planning
Contact a Town and Country, MO Retirement Consultant Today | Correct Capital
No matter how close you are to retirement your Town and Country, MO Correct Capital retirement consultant will help you feel confident and at ease about you and your family’s future. Our retirement plan advisors have over three decades of experience helping Town and Country, MO residents and families live the life they dreamed of in their golden years. As fiduciary financial advisors, we are legally and ethically compelled to always act in your best interest. To find out more about how we can help you accomplish your financial goals, call us at 877-930-4015 or contact us online.
