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Question

When is the right time to start retirement income planning?

Answer

The best time to begin is before you need it. Many of our clients start formal retirement income planning in their late 40s or early 50s, when major transitions — business sales, peak earning years, children approaching college — intersect with the beginning of serious retirement preparation. Starting early gives you more options and more time to optimize.

Related FAQs

Where can I learn more about the Mercer Advisors retirement planning approach?

What is retirement income planning, and how is it different from general retirement savings?

What is a “financial why,” and why does it matter in retirement planning?
Retirement Portfolio Management Retirement Planning Living in Retirement Building Wealth Investors Financial Independence FAQs
Last Updated Aug. 28, 2026
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Don Calcagni, Chief Investment Officer, breaks down why financial planning should be the essential first step to building, sustaining, and transferring wealth.

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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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