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 Rubik’s 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 Rubik’s 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.


Investment advice is offered through APO Financial Services, LLC (“APO”) 10155 Westmoor Drive, Suite 175, Westminster, Colorado 80021-2627. APO Financial Services is an investment adviser registered with the Securities and Exchange Commission (SEC). Registration with the SEC as an investment adviser should not be construed to imply that the SEC has approved or endorsed qualifications or the services Eric Scott Financial and/or APO Financial Services offers, or that its personnel possess a particular level of skill, expertise or training. Additional information pertaining to APO’s registration status, its business operations, services and fees, and its current written disclosure statement is available on the SEC’s Investment Adviser public website at https://apofinancial.com/disclosure/.