Retirement Consultant in Warson Woods, MO

Retirement Consultant Warson Woods, MO. Whether you have your heart set on filling your golden years with trips to Paris, driving through the hills in a vintage sports car, smoking cigars on the front porch, or leaving as much behind for your grandkids as possible, you need a committed and knowledgeable retirement consultant to help you reach your dreams. Wherever you are in life at the moment, the Warson Woods, MO retirement planning advisors at Correct Capital will implement 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 begin by getting to know you personally in order to best understand how we can help you realize your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to an abundance of research and data, and knowledge of the best strategies to utilize 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 center of our relationships with all our Warson Woods, 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 your retirement and retirement planning, and one of the most vital is how to choose a Warson Woods, MO retirement consultant you can trust. There are a variety of important facets to think about when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anybody can use pretend titles like “retirement specialists,” and many certifications are awarded through short study and easy exams, or pertain more to advertising 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 acquired through years of experience, extra education requirements, committed study, and passing exhaustive exams. 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 obligated to follow one of two sets of standards:

  1. Suitability Standard: This standard is determined 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 option. Therefore, a broker that complies with the suitability standard has 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 give you retirement advice based on the commission they could be paid, 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 put your best interests first, manage your account with the deftness and good judgement of a professional, strive to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in your best interest.

The relationship between a Correct Capital retirement consultant and our Warson Woods, 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 recommendation 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?

Many Warson Woods, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and thusly may be limited in the investing options they are able to offer you, 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 associated with any one financial institution, and consequently will evaluate a variety of investment opportunities to find the ones that fit best with you and your needs. Our advice is built on knowledge, experience, in-depth data and analytics, and how we can best serve our Warson Woods, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially astute Warson Woods, MO residents can find it difficult to balance 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 elements of retirement planning Correct Capital will discuss with you are:

  • Tax Implications. Depending on how your money was saved in various types 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 stipulates 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 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 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 types of accounts have different regulations, for example minimum withdrawals once you reach a certain age.
  • Calculate a Retirement Budget. The way you want to live your life, together with how much you were able to save and your age, will decide your retirement budget. A skilled Warson Woods, 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 Warson Woods, MO retirement planning advisors examine 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 Warson Woods, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Warson Woods, MO Correct Capital retirement consultant will help you feel assured and at ease about you and your family’s future. Our retirement plan advisors have over three decades of experience helping Warson Woods, 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 accomplish your retirement goals, call us at 314-930-401K or contact us online.


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