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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.

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.

Estate Planning Article

Lifetime Gift Tax Exemption: Why Using It Now Could Offer Advantages Over Waiting

For taxable estates, using your lifetime exemption now can shelter future growth from estate tax. See how timing, trusts, and GST planning may shape the outcome.

Women & Wealth 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.

Family having conversation wiht advisor.
Financial Planning Article

A Family Office for Your Family: A Wealth Tradition Within Reach

The sophisticated, time-tested family office approach used by many ultra-high-net-worth individuals to help manage their financial lives is now accessible to more families.

Investment Management Article

The 2026 Midterm Elections and Why Politics and Investing Still Don’t Mix

Many investors have a mistaken instinct that a shift in the balance of power on Capitol Hill will have obvious and significant impacts on one’s portfolio.

Retirement Article

Retirement Tax Planning: Your Lowest-Tax Window May Be Open

Retired but not yet taking RMDs? You may be in your lowest-tax window. Learn how Roth conversions and smart withdrawal sequencing can cut lifetime taxes.

Insurance Solutions Article

Medicare Covers a Lot. It Doesn’t Cover Long-Term Care.

Medicare doesn’t cover long-term custodial care. Learn what it covers, what it doesn’t, and how self-funding, hybrid insurance, and estate planning can help you prepare for the gap.

Women & Wealth Article

Women and the Great Wealth Transfer: How To Be Ready

Research suggests women may inherit most of the money in the great wealth transfer — but many women feel unprepared. Here are  practical planning tips to help you get ready.

Retirement Article

What To Handle Before Dec. 31 and What Can Wait

A year-end financial checklist sorted by whether you’re employed, retired, or taking required minimum distributions (RMDs). Plus the items that don’t have December deadlines.

Retirement Article

Roth Conversion Strategy for Low-Income Years

A Roth conversion strategy during low-income years may help you shift pretax savings to tax-free growth. Learn how to coordinate conversions with IRMAA, ACA, and Social Security.

Financial Planning Article

What Is a Fiduciary Financial Advisor?

A fiduciary financial advisor is legally bound to act in your best interest. Learn what fiduciary duty means, how to verify status, and why fee-based matters.

Tax Planning Article

Before You Sell Your Home, Consider This Tax Strategy

Converting your home to a short-term rental before you sell can pair a cost segregation study with the Section 121 exclusion. Here’s how it works.

Further Learning

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.

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.

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.

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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