Retirement Consultant in University City, MO

Retirement Consultant University City, MO. Whether you have your heart set on filling your golden years with holidays in Bora Bora, driving around the city in a brand new sports car, smoking cigars on the front porch, or leaving as much behind for your kids as possible, you require a dedicated and skilled retirement consultant to help you achieve your goals. No matter where you are in life currently, the University City, MO retirement planning advisors at Correct Capital will design 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 you personally so that we can recognize how we can help you reach 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 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, trust is at the core of our relationships with all our University City, MO clients, and we want you to have 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 one of the most vital is how to pick a University City, MO retirement consultant you can trust. There are many of important facets to consider when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anyone can use made up titles like “retirement specialists,” and some certifications are received through short study and easy exams, or have more to do with marketing than retirement planning. Correct Capital is an accomplished and trustworthy team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be achieved through years of experience, extra education requirements, committed 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 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 asserts that an investment professional must choose 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 is bound by 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 could mean they give you retirement advice based on the commission they might get, or are selling products that might not be in your best interest.
  2. Fiduciary Standard: This standard is overseen by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally bound to it. We are obligated to put your best interests first, act with the deftness and good judgement of a professional, endeavor 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 University City, 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 recommendation 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 University City, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore may not have a wide array of investing options they are able to provide you with, or may sell you 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 affiliated with any single financial institution, and consequently will analyze a multitude 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 University City, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially smart University City, MO residents can find it hard to balance 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 factors 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 type 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 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 develop a retirement plan for you that includes the ideal age for you to leave the workforce.
  • When to Withdraw Money, and How Much to Withdraw. Depending on where your money is being saved and invested, the best 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. A skilled University City, MO retirement consultant can help you increase the amount of savings 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 professionals examine the full scope of your finances so each facet of your retirement planning is paid attention to 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 relaxed about how your wealth is growing for the future. Our retirement plan professionals have over three decades 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 obligated to always act in your best interest. To find out 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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