Retirement Consultant in Westwood, MO

Retirement Consultant Westwood, MO. Whether you plan on filling your golden years with vacations to Cabo, driving around the city in a brand new sports car, smoking cigars 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 reach your goals. Wherever you are in life now, the Westwood, MO retirement planning advisors at Correct Capital will create 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 decide what you require 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 recognize how we can help you reach your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a wide array of research and data, and we know the best strategies to use in order to grow your wealth. We are independently owned and will only give you objective and unbiased advice. As fiduciary financial advisors, our relationship with our Westwood, 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

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 Westwood, MO retirement consultant you can trust. There are a variety of important elements to consider when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anybody can use made up titles like “retirement specialists,” and certain certifications are given through short study and easy exams, or focus more on advertising than retirement planning. Correct Capital is an experienced and trustworthy team that includes experienced retirement counselors and two Certified Financial Planners (CFP®), a certification that could only be acquired through years of experience, extra education requirements, determined study, and passing exhaustive exams. You can believe 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 obligated to follow one of two sets of standards:

  1. Suitability Standard: This standard is overseen by the Financial Industry Regulatory Authority (FINRA), and vaguely states that an investment professional must pick planning and investment options that are “suitable” for their clients, but not necessarily the client’s best option. That means a broker that is bound by the suitability standard has no legal obligation to work for your best interests instead of their own, and they also serve the broker-dealers who employ them. This might mean they make decisions with your money based on the commission they might get, or are selling products that might not be 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, act with the deftness and good judgement of a professional, try to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in your best interest.

At Correct Capital, we build personal relationships with our Westwood, MO clients that are built on trust. We get to know you and your financial planning and retirement planning needs, and each recommendation 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?

Many Westwood, MO financial advisors and retirement consultants work for brokerages, banks, or other financial institutions, and consequently might not have a wide array of investing options they are able to offer you, 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 affiliated 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 Westwood, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially sharp Westwood, MO residents can find it complex 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 factors 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 defines 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 stop working.
  • 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 differ. Different kinds of accounts have different regulations, such as minimum withdrawals once you reach a certain age.
  • Calculate 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. An accomplished Westwood, 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 Westwood, MO retirement planning advisors examine the full scope of your finances so each aspect of your retirement planning is well thought out and optimized.

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Contact a Westwood, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Westwood, MO Correct Capital retirement consultant will help you feel confident and at ease about how your wealth is growing for the future. Our retirement plan specialists have over three decades of experience helping Westwood, MO residents and families live the life they dreamed of in their golden years. 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 realize your retirement goals, call us at 314-930-401K or contact us online.


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