Have you ever been totally stumped by a puzzle or brain-teaser? Maybe that’s why we’re impressed by people who can solve a Rubix Cube in seconds, or finish a thousand-piece jigsaw puzzle, or do the Sunday crossword puzzle in pen. But, if you talk to a lifelong puzzle master, they’ll tell you there’s no magic secret to how they do what they do. All it takes is patience, a strategy, and attention to detail. And the same applies to solving your retirement puzzle.

First, you don’t just dive right into the Sunday crossword or thousand-piece puzzle. Those are challenging for the experts, and they take some time to learn how to do them. You begin with something a little less advanced if you’re just starting out. Whether it’s completing a single side of a Rubix cube, filling out the outer frame of a jigsaw puzzle, or reviewing your retirement account information, you need to crawl before you can walk.

Next, don’t be afraid of making mistakes. Long-time crossword fans may pride themselves on tackling the puzzle with a pen in hand, but if you get over-confident, you could put yourself in a messy situation. It helps to stay humble, know when you’ve made a mistake, and be willing to get yourself out of it. The same is true for those new to the intricacies of retirement planning. There’s a lot to learn in putting together a comprehensive retirement plan, so you shouldn’t expect to know what the experts know right off the bat. The best thing you can do is learn as much as you can from reading and meeting with qualified experts to get their insights.

Likewise, you can learn more about what goes into creating a comprehensive retirement plan by scheduling a complimentary, no obligation financial review. We’ll take you through the planning process and make you aware of all of the variables you should be thinking about. It’s also a great time to ask any of the questions you have so you can feel more confident in the choices you make. There are many things to consider when putting together a retirement plan, but with a little guidance, it doesn’t have to feel overwhelming.

When was the last time you reviewed your retirement plans and financial goals? If you’re ready to start solving the big puzzle of retirement planning, then we’re here to help you. Regardless of what you want to do in retirement, we can help you create a plan tailored to your personal goals and financial situation.

As of March 31, 2021, Mercer Advisors, Formerly Epstein & White,is now a part of Mercer Global Advisors Inc. Mercer Global Advisors Inc. (“Mercer Advisors”) is registered as an Investment Adviser with the SEC. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements.Epstein & White Financial, LLC (“Epstein & White Financial”) is an SEC-registered investment adviser; however, such registration does not imply a certain level of skill or training and no inference to the contrary should be made. A copy of Epstein & White Financial’s current written disclosure statement discussing our advisory services and fees is available for review upon request or at www.adviserinfo.sec.gov.

Epstein & White Retirement Income Solutions, LLC (“Epstein & White Retirement”) is a licensed insurance agency with the State of California Department of Insurance (#0K53785). All investment advisory and financial planning services are provided only through Epstein & White Financial.

Please Note: Epstein & White is a tradename. All services provided by Epstein & White investment professionals are provided in their individual capacities as investment adviser representatives of Mercer Global Advisors Inc. (“Mercer Advisors”), an SEC registered investment adviser principally located in Denver, Colorado, with various branch offices throughout the United States doing business under different tradenames, including Epstein & White.

Information contained herein is for informational and illustrative purposes only and general in nature. It should not be considered investment advice or a recommendation to buy or sell any type of securities or insurance products and no investment decision should be made based solely on any information provided herein. We provide this information with the understanding that we are not engaged in rendering legal, accounting, or tax services. We recommend that all investors seek out the services of competent professionals in any of the aforementioned areas.

Investment in securities carries a risk of loss, including loss of principal amount invested. Different types of investments involve varying degrees of risk. It should not be assumed that diversification or asset allocation protects a portfolio from loss or that such will produce profitable results.

Epstein & White is a tradename. All services provided by Epstein & White investment professionals are provided in their individual capacities as investment adviser representatives of Mercer Global Advisors Inc. (“Mercer Advisors”), an SEC registered investment adviser principally located in Denver, Colorado, with various branch offices throughout the United States doing business under different tradenames, including Epstein & White. Information contained herein is for informational and illustrative purposes only and general in nature. It should not be considered investment advice or a recommendation to buy or sell any type of securities or insurance products and no investment decision should be made based solely on any information provided herein. Investing involves risk, including the possible loss of principal. Diversification and asset allocation does not ensure a profit or guarantee against loss. We provide this information with the understanding that we are not engaged in rendering legal, accounting, or tax services. We recommend that all investors seek out the services of competent professionals in any of the aforementioned areas.