How We Help

As a full-service wealth management firm, we believe you have the most to gain by looking at your financial life holistically – blending investment advice, financial planning, and real-life goal setting. We understand that your life story, and financial needs, will evolve and change over time. That’s why we design our wealth management advice, services, and partnership to move in sync with your unique financial objectives.

For over 30 years, we have helped individuals and families gain clarity on their financial goals and define a clear path to achieve their economic freedom.

Investment Management

Whether you’re still working and saving, or retired and withdrawing from your portfolio, our investment strategies can help you grow your wealth and support your desired lifestyle throughout your lifetime. Our customized strategies were developed to meet your unique needs across all major asset classes with a wide range of implementation options.

A Multi-Faceted Approach to Investment Management 6

Financial Planning

True wealth management begins with financial planning. Your financial plan should reflect your life’s journey and integrate with your personal, business, and financial life. A sound financial plan sets goals and timeframes that are critical for you to achieve economic freedom.

As a Mercer Advisors7 client, you will have a financial planner on your advisory team. Your financial planner will conduct an in-depth review of your personal finances, investments, and your businesses. Your advisory team will delve into your values, motivations, and goals because all of this is important in developing a plan that is customized to your life. Once your plan is set, your team conducts regular performance reviews and plan updates, and provides ongoing support to adjust to your changing needs. Components of the plan include:

  • Goal setting
  • Asset and liability assessment
  • Cash flow and spending plan
  • Savings plan
  • Debt elimination plan
  • Investment education and portfolio analysis
  • Tax planning review
  • Retirement plan review
  • Risk management and insurance review
  • Children’s education plan, including 529 Plans
finance-circle-chart
bar-chart

Estate Planning

A thorough estate plan includes a host of family essentials, including gifting and estate transfer, end of life planning, guardianship of underage children, the stewardship of your assets, your philanthropic desires, and more. As each plays a significant role in the estate planning process, we evaluate all of these components carefully and comprehensively.

To help carry out your legacy, estate planning at Mercer Advisors is handled by our in-house team of attorneys and specialists who work closely with your advisory team. Estate laws are complex and differ from state to state, and our team of experts are experienced in all aspects of estate planning. As part of our holistic approach, our in-house attorneys will review your existing documents and assist in drafting new ones – from wills and revocable living trusts to more complex multi-generational estate plans.

Our estate planning services include:

Document review,
preparation, & maintenance

Tax-efficient
investment planning

Tax-efficient
distribution planning

Charitable & philanthropic
goals & implementation

Inter-generational
wealth education

Tax Planning & Preparation

As tax laws are updated and changed, the impact on your finances and investments could be substantial. Because taxes are the single biggest expense over your lifetime, we treat tax planning as a crucial part of your holistic wealth plan.

To understand your income sources, tax bracket, and deductions, we begin with a comprehensive review of your recent returns. We also check your investment income to see if we can reduce your taxes by adjusting your investment strategies. Your advisor will work with our in-house team of CPAs to review strategy and tactics dependent upon your circumstances and the complexity of your financial situation. As a Mercer Advisors client, you can expect proactive tax planning advice throughout the year and the timely filing of applicable tax returns by our CPAs, including your personal, business, trust, and estate returns.

Corporate Trustee

chart

Mercer Advisors’ corporate trustee provides solutions for clients whose financial, family or business needs require the services of a professional fiduciary.* Asset protection, continuity, and fiduciary responsibility for your family are all part of our specialized service. Knowing that these services have planned for all contingencies adds a layer of protection and peace of mind for you and your family. At a time of potentially great emotional stress, this service can relieve a family member’s burden by managing the financial assets, following your direction on distributions and bill paying. It can also help maintain family unity after death. Working closely with your advisors, our in-house lawyers and trust specialists will ensure your wishes are carried out as you’ve designated.

*Corporate Trustee services are offered through National Advisors Trust Company, the largest federally chartered trust company created by registered investment advisors for the benefit of their clients.

  • ** A Multi-Faceted Approach to Investment Management: Average stock investor performance results are based on a DALBAR study, “Quantitative Analysis of Investor Behavior (QAIB), 2017.” DALBAR is an independent, Boston-based financial research firm. Using monthly fund data supplied by the Investment Company Institute, QAIB calculates investor returns as the change in assets after excluding sales, redemptions and exchanges. This method of calculation captures realized and unrealized capital gains, dividends, interest, trading costs, sales charges, fees, expenses and any other costs. After calculating investor returns in dollar terms, two percentages are calculated for the period examined: Total investor return rate and annualized investor return rate. Total return rate is determined by calculating the investor return dollars as a percentage of the net of the sales, redemptions, and exchanges for the period. Results are compared to the performance of the S&P 500 Index for informational purposes only. Index performance is provided as a benchmark but is not illustrative of any specific investment. You cannot invest directly in indexes such as the S&P 500 Index. Index performance includes dividends and distributions, but does not reflect fees, brokerage commissions, withholding taxes, or other investing-related expenses.
  • 1S&P 500, Dalbar Qualitative Analysis of Investor Behavior (QAIB) 2017, Barber & Odean, Thaler, Kahneman.
  • 2S&P 500, Dalbar Qualitative Analysis of Investor Behavior (QAIB) 2017, Barber & Odean, Thaler, Kahneman
  • 3JP Morgan, Guide to Markets, March 2018.
  • 4Fama, Eugene & French, R. Kenneth, “The Cross Section of Expected Stock Returns,” The Journal of Finance, June 1992, p.427 – 465; Fama, Eugene & French, R. Kenneth, “A Five Factor Asset Pricing Model,” Journal of Financial Economics, v116, April 2015, p.1 – 22; Jensen, Michael C. and Scholes, Myron, “The Capital Asset Pricing Model: Some Empirical Tests,” Studies in the Theory of Capital Markets, 1972; Markowitz, Harry “Portfolio Selection: Efficient Diversification of Investments,” 1959; Merton, Robert. “An Intertemporal capital asset pricing model,” Econometrica 41, 1973, p.867 – 887; Sharpe, William, F. “Capital asset prices: a theory of market equilibrium under conditions of risk,” Journal of Finance 19, p.425 – 442.
  • 5Envestnet|PMC Quantitative Research Group, “Capital Sigma: The Return on Advice,” p.3
  • 6Industry-specific graph used for informational purposes only. Any information presented here is general in nature, believed to be reliable as of the date published and is not intended to be and should not be taken as legal, tax, investment or individual financial planning advice. The projections or other information provided in this chart regarding the value of advice are hypothetical in nature and are not guarantees of future results and should not be construed by a client or prospective client as a guarantee that such client will experience a certain level of results. The actual amount of value added may vary significantly, depending on clients’ circumstances.
  • 7Mercer Advisors is not a law firm and does not provide legal advice to clients. All estate planning documentation preparation and other legal advice is provided through its affiliation with Advanced Services Law Group, Inc.

Thanks for visiting!

You are leaving the Mercer Global Advisors website and will be redirected to the Science of Economic Freedom (SOEF) website. SOEF is brought to you by Mercer Advisors Inc., the parent company of Mercer Global Advisors Inc., and is not involved with investment services. Mercer Global Advisors Inc. is an SEC-registered investment adviser headquartered in Denver, CO.

The Science of Economic Freedom website should not be construed by any consumer and/or prospective client as Mercer Advisors’ solicitation to effect, or attempt to effect, transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Furthermore, information on the SOEF website should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Mercer Advisors.