Retirement Consultant Weldon Spring, MO. Whether you plan on filling your golden years with vacations to Maui, cruising through the city in a classic sports car, smoking cigars on the back porch, or leaving as much behind for your family as possible, you need a dedicated and experienced retirement consultant to help you achieve your objectives. Regardless of where you are in life now, the Weldon Spring, 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 877-930-4015 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 begin by getting to know you personally so that we can 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 range of research and data, and we know the best strategies to employ in the interest of growing 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 Weldon Spring, 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 likely have a lot of questions about how to best start your retirement planning, and one of the most essential is how to choose a Weldon Spring, MO retirement consultant you can trust. There are a variety of important elements to evaluate when hiring a retirement consultant.
What Certifications Does a Retirement Consultant Have?
Anybody can use made up titles like “retirement specialists,” and some certifications are received through short study and easy exams, or pertain more to advertising than retirement planning. Correct Capital is an experienced and trustworthy team that includes experienced retirement counselors and two CERTIFIED FINANCIAL PLANNER™ professionals, a certification that could only be obtained through years of experience, extra education requirements, determined study, and passing comprehensive tests. 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 required to follow one of two sets of standards:
- 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. That means a broker that complies with 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 they work for. This might mean they give you retirement advice based on the commission they might be paid, or are selling products that aren’t necessarily in your best interest.
- 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 have your best interest at heart, behave with the skill and good judgement of a professional, strive 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 Weldon Spring, MO clients that are built on trust. We get to know you and your financial planning and retirement planning needs, and every 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?
Many Weldon Spring, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and therefore may be limited in the investing options they are able to offer you, 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 single financial institution, and thusly will evaluate a variety of investment opportunities to find the ones that fit best with you and your needs. Our advice is grounded in knowledge, experience, in-depth data and analytics, and how we can best serve our Weldon Spring, MO clients.
Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider
Even experienced investors and financially shrewd Weldon Spring, 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 determine how to manage your savings and retirement funds. Among the facets of retirement planning Correct Capital can help with are:
- Tax Implications. Depending on how your money was saved in different 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 defines your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will vary 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 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 size of your withdrawals will change. Different kinds of accounts have different regulations, for example minimum withdrawals once you reach a certain age.
- Determine a Retirement Budget. The kind of lifestyle you want, as well as how much you were able to save and your age, will determine your retirement budget. A talented Weldon Spring, MO retirement consultant can help you raise the amount of funds 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 Weldon Spring, MO retirement planning consultants look at the complete picture of your finances so each facet of your retirement planning is well thought out 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 Weldon Spring, MO Retirement Consultant Today | Correct Capital
Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Weldon Spring, MO Correct Capital retirement consultant will help you feel assured and relaxed about how your wealth is growing for the future. Our retirement plan advisors have over three decades of experience helping Weldon Spring, 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 find out more about how we can help you realize your retirement goals, call us at 877-930-4015 or contact us online.