Retirement Consultant in University City, MO

Retirement Consultant University City, MO. Whether you dream of filling your golden years with vacations to Maui, driving around the city in a classic sports car, hanging out on the back porch, or leaving as much behind for your family as possible, you need a devoted and experienced retirement consultant to help you realize your goals. No matter where you are in life now, the University City, 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 you personally in order to recognize how we can help you achieve your objectives. 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 employ 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 University City, 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 principal among them is how to pick a University City, MO retirement consultant you can trust. There are a variety of important elements to consider when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anyone can use made up titles like “retirement specialists,” and many certifications are awarded through short study and easy exams, or have more to do with advertising than financial planning. Correct Capital is an experienced and honest team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be acquired through years of experience, extra education requirements, intense study, and passing exhaustive tests. You can be confident 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 required 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 pick planning and investment options that are “suitable” for their clients, but not necessarily the client’s best interest. As such, a broker that is bound by 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 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 compelled to follow it. We are obligated to have your best interest at heart, manage your account with the deftness and good judgement 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 University City, MO clients that are built on trust. 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 University City, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently might not have a wide range of investing options they are able to provide you with, 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 consequently will evaluate 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 University City, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially astute University City, MO residents can find it complex to weigh 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 aspects 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 type 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 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 get to know you, they will develop 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 change. Different kinds of accounts have different rules, such as minimum withdrawals after a certain age.
  • Determine a Retirement Budget. The way you want to live your life, together with how much you were able to save and your age, will determine your retirement budget. A skilled University City, MO retirement consultant can help you increase the amount of money 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 University City, MO retirement planning advisors look at the complete picture of your finances so each detail of your retirement planning is well thought out and optimized.

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Contact a University City, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your University City, 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 advisors have over 30 years of experience helping University City, 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 learn more about how we can help you realize your retirement goals, call us at 314-930-401K or contact us online.


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