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Work & Business

Whether you’re navigating an IPO lockup expiration, maximizing your RSUs and ESPP, planning a business sale, or evaluating a severance package, the financial decisions tied to your career and business life can have an outsized impact on your long-term wealth. At Mercer Advisors, we help clients connect their career and business finances to their broader financial plan — so every major decision at the office also moves them closer to their personal goals. Browse the resources below for actionable guidance on work-related financial planning at every stage of your career.

Two men in a meeting.
Work & Business Guide

Selling Your Business: A 10-Year Exit Planning Playbook

Selling your business may be the largest financial transaction of your life. This 10-year framework walks you through owner-dependence reduction, tax optimization, estate planning, and postexit diversification.

Work & Business Article

What Financial Independence for Women Business Owners Really Means

Women business owners increasingly prioritize flexibility and independence. Learn how liquidity buffers, exit readiness, and coordinated planning can help.

Work & Business Guide

The Tech Founder Preliquidity Planning Timeline: A Five-Year Playbook

A five-year preliquidity planning road map for tech founders covering QSBS stacking, trust structures, state residency, 10b5-1 plans, and diversification.

Work & Business Article

Beyond Business Growth: Wealth Planning for Women Founders

Many women founders face a three-way financial pull. Learn how to help protect personal wealth, optimize taxes, and plan your business exit — all at once.

Work & Business Article

Strategic Exit Planning for Business Owners

Explore comprehensive exit planning strategies for business owners. Learn how to coordinate valuation, tax optimization, and succession planning to help support a smoother transition.

Work & Business Guide

Post-IPO Lockup Playbook: Sell Smart, Minimize Taxes, Protect Your Gains

Your IPO lockup expiration is just the beginning. With a multi-year strategy and expert advice you can turn uncertainty into lasting value.

A pay role specialist reviewing social security
Work & Business Article

Social Security Wage Base 2026 Increase: Employer Guide

Get a clear breakdown including new payroll tax limits and what employers should budget for high‑income staff.

A dad working with his son
Work & Business Article

Tax Benefits of Employing Your Children in Your Business

Hiring your children in an LLC or sole proprietorship can reduce income and payroll taxes. Understand the IRS rules and how to plan.

A dentist and his assistant looking at sale documents
Work & Business Article

How To Minimize Taxes When Selling a Dental Practice

Learn how to structure your sale, offset gains, and plan for retirement to keep more of your hard-earned wealth.

Two business owners talking about a business sale
Work & Business Article

Unlocking Tax Efficiency: How a 1042 Exchange Can Transform Your Business Sale

Learn eligibility rules, investment requirements, and strategic benefits for tax-efficient exits from business ownership.

Work & Business Article

What To Do When Your IPO Lockup Expires

Optimize your equity with smart timing, tax strategies, and diversification to help create lasting wealth.

A team working on liquidity planning
Work & Business Article

Liquidity Planning After a Tender Offer

Learn smart strategies for tax planning, investment diversification, estate preparation, and avoiding potential pitfalls.

A real estate agent meeting a client
Work & Business Article

SEP IRA vs. Solo 401(k) for Real Estate Agents

Learn the differences between the two plans and why they matter in financial planning for real estate agents.

FAQs
Work & Business FAQ

How does a GRAT compare to an IDGT for presale estate planning?

See the answer
Work & Business FAQ

What is the difference between an asset sale and a stock sale when selling a business?

See the answer
Work & Business FAQ

Where can I find a wealth advisor who specializes in business exit planning?

See the answer
Work & Business FAQ

How can a wealth advisor help before I sell my business?

See the answer
Work & Business FAQ

Should I start exit planning if I’m not planning to sell for 10 years?

See the answer
Work & Business FAQ

How does QSBS help reduce taxes when selling a business?

See the answer
Work & Business FAQ

What’s the difference between business growth and financial independence?

See the answer
Work & Business FAQ

How does a coordinated advisory team compare to managing finances alone?

See the answer

Further Learning

Multicultural Family with Grandparents
Estate Planning Article

New York Estate Tax: What Families Need To Know

New York estate tax affects estates above $7.35 million. Understand the exemption, cliff, and planning strategies to manage your tax exposure.

Listen
Retirement Podcast

Episode 529 – Retirement Misconceptions

We debunk widespread retirement misconceptions about Social Security, long-term care, taxes, and the myth of a magic retirement number.

Tax Planning Guide

Tax-Loss Harvesting for Investment Portfolios: Direct Indexing and Beyond

Direct indexing may help investors generate tax alpha through tax-loss harvesting, often cited in the range of 1% to 2%  while also supporting wash sale rules and tax-efficient charitable giving strategies.

Older Couple Talking to Younger Woman
Retirement Article

What Are QLACs and Who Should Consider One?

Here is how qualified longevity annuity contracts (QLACs) work, the current rules, and when one might make sense for your retirement income plan.

About Mercer Advisors

We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.

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