Guidance Built Around Optimizing Your Delta Benefits
At Mercer Advisors, we advise Delta pilots navigating pension elections, deferred compensation, and retirement decisions. Our integrated team of wealth advisors, tax professionals, and estate planners coordinates every detail of your plan.
Specialized Services for Delta Pilots
- Retirement Income and Tax Planning: Coordinate pension, Social Security, and investment income
- After-Tax 401(k) and Super-Funding Strategy: Clarify contribution options and put after-tax dollars to work efficiently
- Deferred Compensation Planning: Integrate Delta’s 2026 deferral options into your tax and cash flow plan
- Military Pension Coordination (if applicable): Align military retirement income with TRICARE, Medicare, and Delta benefits
- Social Security Claiming Strategy: Optimize benefits timing for you and your non-working spouse
- Life and Disability Coverage Review: Assess employer and union coverage and confirm your protection
- Family and Estate Planning: Coordinate beneficiaries, estate documents, and legacy planning
- Cash-Flow and Tax Withholding Guidance: Manage variable income and reduce April tax surprises
- Retirement Readiness Reviews: Confirm every key Delta election and decision before you retire
- Cybersecurity and Identity Protection: Address privacy and identity-theft risks that come with high-net-worth profiles
A Family Office for Your Family
We’ve adapted the sophisticated, time-tested strategies used by ultra-high-net-worth individuals to help more families take control of their financial future.
A unified team
of advisors, planners, investors, accountants, and estate strategists that designs – and executes – your financial plan
A hand-picked advisor
who is focused on serving you, not on finding new clients
An institutional-grade portfolio
personalized to you and managed by a team of 100+ investment professionals, not just one advisor
A boutique fiduciary with national strength
that combines intimate service and sophisticated capability, and only acts in your best interest
Mercer Advisors offers the strength of a large national firm with the personal touch you expect from a local office.
TRUST WE HAVE EARNED
#1 RIA in 2025 Barron’s Top 100 RIAs Ranking
Best Overall Financial Advisory Firm for High-Net-Worth Individuals 2026 by The Wall Street Journal Buy Side
5 Star Ranking on Newsweek America’s Top Financial Advisory Firms 2026
Winner of 2025 Wealthies RIA Client Initiative for Advisor Matching Tool
Read Reviews from our Clients
Helping families like yours for over
40 years and counting.
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As one of the largest, and fastest-growing advisory firms, we pride ourselves in our academically rigorous investing solutions that reflect your unique goals, tax circumstances, risk tolerance, and investment preferences. Whether you’re saving for life goals such as retirement** or your child’s education, or are looking for asset management and investment advice to grow your wealth, our experienced advisors can help.
Frequently Asked Questions
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If you’re 3 to 7 years from your FAA retirement date, now is the right time. That window is when Delta pension elections, deferred comp decisions, and retirement income sequencing have the most impact on your outcome. Delta’s pension structure and deferred compensation options require planning well ahead of your retirement date, not after your election windows open.
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Delta’s deferred compensation options require careful planning around tax timing and long-term cash flow. We help you decide how much to defer, when to take distributions, and how it fits your overall retirement income plan.
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It depends on your full financial picture: your other income, your health, your spouse’s situation, and how much investment risk you want in retirement. We model both options against your complete plan before you elect.
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Our team of more than 400 specialists provides integrated planning, investment management, tax, and estate solutions, all coordinated by a single, unified team. As fiduciaries, we’re committed to advice, not product sales.
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Yes! We offer a complimentary consultation where we’ll discuss your financial goals and how we can help. If you’d like to move forward and work with us, you’ll be thoughtfully matched with an advisor suited to your needs who can create a plan and help you put it into action.
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We believe in simple, transparent fees. As a fee-based fiduciary, we can remain focused on doing what’s best for you, not commissions.
