Retirement Consultant in Webster Groves, MO

Retirement Consultant Webster Groves, MO. Whether you plan on filling your golden years with vacations to Maui, driving through the city in a vintage sports car, hanging out on the back porch, or leaving the biggest possible inheritance behind for future generations as possible, you require a committed and knowledgeable retirement consultant to help you achieve your dreams. Wherever you are in life currently, the Webster Groves, MO retirement planning advisors at Correct Capital will construct 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 determine 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 in order to best realize how we can help you reach your objectives. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wealth of research and data, and knowledge 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, trust is at the center of our relationships with all our Webster Groves, 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 principal among them is how to pick a Webster Groves, MO retirement consultant you can trust. There are many 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 some certifications are received through short study and easy exams, or have more to do with marketing than financial planning. Correct Capital is a knowledgeable and trustworthy 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, determined study, and passing comprehensive exams. You can trust that your Correct Capital retirement consultant has the experience and knowledge to successfully advise you in your retirement planning.


Is the Retirement Consultant a Fiduciary?

Investment professionals are bound by one of two sets of standards:

  1. Suitability Standard: This standard is determined by the Financial Industry Regulatory Authority (FINRA), and vaguely states 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 carries no legal obligation to follow your best interests instead of their own, and they also have to listen to the broker-dealers who hire them. This might mean they give you retirement advice based on the commission they might receive, or are selling products that might not be 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 comply with it. We are obligated to put your best interests first, manage your account with the deftness 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 every recommendation we give you or decision we make concerning your wealth is made with the best interest of you and your family in mind.

Who Does the Retirement Consultant Work For?

Many 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 can 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 associated with any single financial institution, and thusly will analyze a variety of investment opportunities 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 sharp Webster Groves, MO residents can find it hard to balance all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best judge how to manage your savings and retirement funds. Among the aspects of retirement planning Correct Capital will discuss with you are:

  • Tax Implications. Depending on how your money was saved in various kinds 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 change 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 leave the workforce.
  • 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 change. Different types of accounts have different rules, for example minimum withdrawals once you reach a certain age.
  • Determine a Retirement Budget. The type of lifestyle you want, as well as 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 funds 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 consultants look at the complete picture of your finances so each aspect of your retirement planning is paid attention to and optimized.

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

No matter how close you are to retirement your Webster Groves, MO Correct Capital retirement consultant will help you feel confident and relaxed about you and your family’s future. Our retirement plan professionals have over three decades of experience helping Webster Groves, 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 discover more about how we can help you achieve your retirement goals, call us at 314-930-401K or contact us online.


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