Retirement Consultant in Wildwood, MO

Retirement Consultant Wildwood, MO. Whether you plan on filling your golden years with trips to Maui, driving around the hills in a vintage sports car, hanging out on the front porch, or leaving the biggest possible inheritance behind for your kids as possible, you require a dedicated and skilled retirement consultant to help you realize your dreams. Regardless of where you are in life now, the Wildwood, MO retirement planning advisors at Correct Capital will design 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 best understand how we can help you reach your goals. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a plethora of research and data, and understanding of the best strategies to use in order to grow 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 center of our relationships with all our Wildwood, 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

You probably have a lot of questions about your retirement and retirement planning, and one of the most vital is how to decide on a Wildwood, MO retirement consultant you can trust. There are a lot of of important facets to think about when hiring a retirement consultant.


What Certifications Does a Retirement Consultant Have?

Anyone can use made up titles like “retirement specialists,” and many certifications are given through short study and easy exams, or pertain more to marketing than financial planning. Correct Capital is an accomplished and trustworthy 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, determined study, and passing comprehensive exams. You can believe that your Correct Capital retirement consultant has the experience and knowledge to effectively manage 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 asserts that an investment professional must pick planning and investment options that are “suitable” for their clients, but not necessarily the client’s best interest. As such, 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 hire them. This could mean they make decisions with your money based on the commission they could be paid, or are pushing 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 put your best interests first, behave with the deftness and good judgement of a professional, endeavor to avoid conflicts of interest, disclose unpreventable conflicts, and manage them in the way that’s best for your and your money.

At Correct Capital, we build personal relationships with our Wildwood, MO clients that are based 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 with regard to your wealth is made with the best interest of you and your family at heart.

Who Does the Retirement Consultant Work For?

Many Wildwood, 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 provide you with, 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 one financial institution, and therefore 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 Wildwood, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially shrewd Wildwood, MO residents can find it hard to weigh all of their options regarding their 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 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 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 before or after your FRA. As our retirement consultants at Correct Capital come to understand who you are and what you need, they will develop 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 differ. Different types of accounts have different rules, such as minimum withdrawals after a certain age.
  • Determine a Retirement Budget. The way you want to live your life, together with how much you were able to save and your age, will determine your retirement budget. A skilled Wildwood, MO retirement consultant can help you increase the amount of money 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 Wildwood, MO retirement planning professionals examine the full scope of your finances so each aspect of your retirement planning is attended to and optimized.

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Contact a Wildwood, MO Retirement Consultant Today | Correct Capital

No matter how close you are to retirement your Wildwood, 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 30 years of experience helping Wildwood, MO residents and families live the life they dreamed of in their retirement. As fiduciary financial advisors, we are legally and ethically bound to always act in your best interest. To learn more about how we can help you accomplish your retirement goals, call us at 314-930-401K or contact us online.


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