Retirement Consultant in Westwood, MO

Retirement Consultant Westwood, MO. Whether you dream of filling your golden years with holidays in Cartagena, cruising around the hills in a vintage sports car, hanging out on the back porch, or leaving the biggest possible inheritance behind for your kids as possible, you need a devoted and knowledgeable retirement consultant to help you achieve your objectives. Regardless of where you are in life at the moment, the Westwood, MO retirement planning advisors at Correct Capital will construct a personalized 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 retirement planning needs are based on your personal goals in retirement. When you hire a retirement consultant at Correct Capital, we will begin by getting to know who you are 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 an abundance 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 never try to sell you on something we don’t believe in ourselves. As fiduciary financial advisors, trust is at the core of our relationships with all our Westwood, 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 your retirement and retirement planning, and one of the most vital is how to decide on a Westwood, MO retirement consultant you can believe in. There are a lot of of important facets to consider when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anyone can use pretend titles like “retirement specialists,” and many certifications are given through short study and easy exams, or focus more on advertising than retirement planning. Correct Capital is an accomplished and honest team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be obtained through years of experience, extra education requirements, intense study, and passing exhaustive 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:

  1. Suitability Standard: This standard is overseen 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. Therefore, a broker that complies with the suitability standard carries no legal duty to follow your best interests instead of their own, and they also have to listen to the broker-dealers who employ them. This could mean they give you retirement advice 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 follow it. We are obligated to have your best interest at heart, behave with the skill and good judgement 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 Westwood, MO clients that are built on trust. We get to know you and your financial planning and retirement planning needs, and each piece of advice we give you or decision we make regarding your wealth is made with the best interest of you and your family at heart.

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 may be limited in the investing options they are able to 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 associated with any single financial institution, and thusly will evaluate a multitude 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 shrewd Westwood, MO residents can find it difficult 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 elements of retirement planning Correct Capital can help with 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 decides your “full” or “normal” retirement age (FRA) based on the year you were born. The social security benefits you receive will vary 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 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 amount of your withdrawals will change. Different types of accounts have different rules, for example minimum withdrawals once you reach a certain age.
  • Calculate a Retirement Budget. The way you want to live your life, together with how much you were able to save and your age, will decide your retirement budget. A skilled Westwood, MO retirement consultant can help you increase 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 Westwood, MO retirement planning advisors examine the complete picture of your finances so each element of your retirement planning is attended to and optimized.

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Contact a Westwood, MO Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your Westwood, 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 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 financial goals, call us at 314-930-401K or contact us online.


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