Retirement Consultant Webster Groves, MO. Whether you have your heart set on filling your golden years with trips to Bora Bora, driving around town in a vintage sports car, smoking cigars on the front porch, or leaving the biggest possible inheritance behind for your grandkids as possible, you require a dedicated and skilled retirement consultant to help you reach your dreams. Regardless of where you are in life at the moment, the Webster Groves, MO retirement planning advisors at Correct Capital will design a personalized 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 start by getting to know who you are in order to best realize how we can help you reach your goals. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wealth of research and data, and we know the best strategies to use 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 Webster Groves, MO clients begins with trust and your peace of mind that we have your best interest at heart.
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Correct Capital Wealth Management's office is physically located in St. Louis, MO, but we serve clients throughout the United States in both personal financial planning and corporate retirement plans.
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How to Choose the Right Retirement Consultant for You
You probably have a lot of questions about your retirement and 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 variety of important facets to evaluate when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anybody can use fictionalized titles like “retirement specialists,” and certain certifications are received through short study and easy exams, or focus more on marketing than financial planning. Correct Capital is a knowledgeable and honest team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be acquired 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 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:
- 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 makes no mention of the client’s best option. That means a broker that follows the suitability standard carries no legal obligation to follow 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 could get, or are selling products that aren’t necessarily 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 follow it. We are obligated to have your best interest at heart, act with the skill and discernment of a professional, endeavor to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.
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 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 Webster Groves, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and therefore may be limited in the investing options they are able to provide you with, or may push 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 associated with any one financial institution, and thusly will evaluate a variety of investment opportunities to find the ones that work best for your individual needs. Our advice is built 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 shrewd Webster Groves, 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 decide 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 stipulates your “full” or “normal” retirement age (FRA) based on your birth year. 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 draw up a retirement plan for you that includes the best 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 amount of your withdrawals will differ. Different types of accounts have different regulations, such as minimum withdrawals after a certain age.
- Calculate a Retirement Budget. The way you want to live your life, combined with how much you were able to save and your age, will determine your retirement budget. A skilled Webster Groves, MO retirement consultant can help you raise 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 Webster Groves, MO retirement planning consultants look at the full scope 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
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 assured and relaxed about you and your family’s future. Our retirement plan professionals have over 30 years 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 obligated to always act in your best interest. To learn more about how we can help you realize your financial goals, call us at 877-930-4015 or contact us online.
