Retirement Consultant in Wentzville, MO

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Retirement Consultant Wentzville, MO. Whether you dream of filling your golden years with vacations to Cartagena, driving around town in a brand new sports car, smoking cigars on the back porch, or leaving as much behind for your kids as possible, you require a dedicated and experienced retirement consultant to help you realize your dreams. Regardless of where you are in life currently, the Wentzville, MO retirement planning advisors at Correct Capital will design 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 who you are in order to best realize how we can help you realize your goals. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a range of research and data, and understanding of the best strategies to employ 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 Wentzville, MO clients begins with trust and your peace of mind that we have your best interest at heart.



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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 important is how to decide on a Wentzville, MO retirement consultant you can trust. There are many of important facets to think about 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 awarded through short study and easy exams, or have more to do with 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 comprehensive exams. You can be sure 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 required to follow one of two sets of standards:

  1. Suitability Standard: This standard is regulated 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 not necessarily the client’s best option. Therefore, a broker that follows the suitability standard has no legal obligation to follow your best interests instead of their own, and they also serve the broker-dealers who employ them. This could mean they make decisions with your money based on the commission they could receive, or are selling products that aren’t necessarily in your best interest.
  2. Fiduciary Standard: This standard is overseen 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 acuity 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 Wentzville, 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 Wentzville, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and consequently might not have a wide array of investing options they can offer you, or may sell you 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 affiliated with any single financial institution, and therefore will evaluate a plethora of investment opportunities to find the ones that fit best with you and your needs. Our advice is based on knowledge, experience, in-depth data and analytics, and how we can best serve our Wentzville, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially astute Wentzville, MO residents can find it difficult to weigh 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 factors 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 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 earlier or later than your FRA. As our retirement consultants at Correct Capital come to understand who you are and what you need, 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 best timing and size of your withdrawals will change. Different types of accounts have different rules, such as 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 skilled Wentzville, MO retirement consultant can help you increase 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 Wentzville, MO retirement planning consultants look at the complete picture of your finances so each detail of your retirement planning is well thought out and optimized.

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Contact a Wentzville, MO Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your Wentzville, MO Correct Capital retirement consultant will help you feel assured and at ease about how your wealth is growing for the future. Our retirement plan specialists have over three decades of experience helping Wentzville, MO residents and families live the life they dreamed of in their retirement. As fiduciary financial advisors, we are legally and ethically compelled to always act in your best interest. To find out more about how we can help you meet your retirement goals, call us at 314-930-401K or contact us online.


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