Retirement Consultant in Webster Groves, MO

Retirement Consultant Webster Groves, MO. Whether you dream of filling your golden years with vacations to Cartagena, cruising through the hills in a vintage sports car, smoking cigars on the back porch, or leaving the biggest possible inheritance behind for your family as possible, you require a devoted and knowledgeable retirement consultant to help you achieve your dreams. Regardless of where you are in life at the moment, the Webster Groves, MO retirement planning advisors at Correct Capital will implement 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 personal retirement goals will dictate what you need from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will start by getting to know you personally so that we can recognize how we can help you realize your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a plethora of research and data, and knowledge of the best strategies to use in the interest of growing your wealth. We are independently owned and will only give you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Webster Groves, 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 one of the most essential is how to choose a Webster Groves, MO retirement consultant you can believe in. There are a lot of of important factors to think about when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anybody can use pretend titles like “retirement specialists,” and some certifications are awarded through short study and easy exams, or focus more on advertising than retirement planning. Correct Capital is an accomplished and honest 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, dedicated study, and passing exhaustive exams. You can believe that your Correct Capital retirement consultant has the experience and knowledge to effectively advise you in 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 regulated by the Financial Industry Regulatory Authority (FINRA), and vaguely says 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 carries no legal obligation to work for your best interests instead of their own, and they also have to listen to the broker-dealers they work for. This could mean they make decisions with your money based on the commission they might be paid, or are pushing products that might not be in your best interest.
  2. Fiduciary Standard: This standard is set 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 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.

At Correct Capital, we build personal relationships with our Webster Groves, MO clients that are built on trust. We get to know you and your financial planning and retirement planning needs, and each piece of guidance we give you or decision we make concerning 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 Webster Groves, 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 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 affiliated with any single financial institution, and consequently will analyze a plethora of investment options 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 Webster Groves, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially smart Webster Groves, 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 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 decides your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will vary 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 ideal 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 optimal timing and amount of your withdrawals will vary. Different kinds of accounts have different rules, for example minimum withdrawals once you reach a certain age.
  • Determine a Retirement Budget. The way you want to live your life, combined with how much you were able to save and your age, will dictate your retirement budget. A knowledgeable Webster Groves, 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 Webster Groves, MO retirement planning advisors look at the complete picture of your finances so each facet of your retirement planning is well thought out and optimized.

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Contact a Webster Groves, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Webster Groves, MO Correct Capital retirement consultant will help you feel confident and at ease about you and your family’s future. Our retirement plan specialists have over three decades of experience helping Webster Groves, MO residents and families live the life they dreamed of in their retirement. 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 meet your financial goals, call us at 314-930-401K or contact us online.


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