Have you ever been totally stumped by a puzzle or brainteaser? 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.

**INFORMATION PROVIDED IS FROM SOURCES BELIEVED TO BE RELIABLE HOWEVER, WE CANNOT GUARANTEE OR REPRESENT THAT IT IS ACCURATE OR COMPLETE. NO STATEMENTS MADE SHALL CONSTITUTE ANY FINANCIAL, TAX, LEGAL, OR ACCOUNTING ADVICE. ANY HYPERLINKS PROVIDED ARE AS A COURTESY AND SHOULD NOT BE DEEMED AN ENDORSEMENT**

Securities and advisory services offered through Royal Alliance Associates, Inc. (RAA), member FINRA/ SIPC. RAA is separately owned and other entities and/or marketing names, products or services referenced here are independent of RAA. RAA is not affiliated with Lone Beacon

Neither the named representative nor the named Broker/Dealer or Investment Advisor gives tax or legal advice.

Fixed index annuities are designed to meet long-term needs for retirement income. Early withdrawals may result in loss of principal and credited interest due to surrender charges. Distributions may be subject to ordinary income tax and, if taken prior to age 59 ½, an additional 10% federal tax. An income rider or benefit (sometimes called Guaranteed Lifetime Withdrawal Benefits, or GLWB) is an additional feature available with some annuities and generally optional and come with additional cost. Income benefits are designed to provide income options above and beyond the standard annuitization or free withdrawal features in annuities. All contract gains beyond the CAP rate are surrendered to the insurance company to pay for the expense of the product.

The views expressed are not necessarily the opinion of Royal Alliance Associates Inc, and should not be construed directly or indirectly, as an offer to buy or sell any securities mentioned herein. Individual circumstances vary. Investing is subject to risks including loss of principal invested. No strategy can assure a profit against loss.