Helping Single Women Plan With Power
It’s time for old assumptions about women and money to change.
You don’t need a lesson in financial literacy. You’ve already proven your financial strength. Now, it’s about action.
At Mercer Advisors, our team can help you turn your financial confidence into a powerful strategy that supports your goals, protects your future, and amplifies your impact on the people and causes you care about.
One Team. Your Goals. Total Confidence.
You have the freedom to shape your financial life. We’ll help you make it happen, with a dedicated advisor and a unified team that understands your unique goals.
Because your finances work better when they work together.
Specialized Services for Single Women
- Tailored financial planning for longer lifespans
- Emergency fund strategies for unexpected events
- Solo retirement optimization to help maximize savings & Social Security
- Values-based investment strategies aligned with personal priorities
- Long-term care & insurance planning for future stability
- Estate & healthcare directive guidance
- Tax-efficient strategies for single filers
- Legacy planning for chosen family & charitable giving
Mercer Advisors is not a law firm and does not provide legal advice to clients. All estate planning document preparation and other legal advice is provided through select third parties unaffiliated to Mercer Advisors. Tax preparation and tax filing are a separate fee from our investment management and planning services. Mercer Global Advisors has a related insurance agency. Mercer Advisors Insurance Services, LLC (MAIS) is a wholly owned subsidiary of Mercer Advisors Inc. MAIS provides individual life, disability, long term care coverage, and property and casualty coverage through various insurance companies. For Mercer Global Advisors clients who wish to purchase insurance products, MAIS has entered into a non-exclusive referral agreement with Strategic Partner(s), where the Strategic Partner will provide necessary services relative to the marketing, placement, and servicing of the insurance products, including without limitation preparing and presenting illustrations, supporting the underwriting process, assisting with the completion and execution of applications, delivering policies, and servicing in-force business. MAIS and the Strategic Partner will be listed as either “agents” or “co-agents” on the policies. While Mercer Global Advisors does not receive a referral fee, Strategic Partner receives a percentage of the commission revenue. MAIS and Strategic Partner do have a revenue sharing agreement.
A Family Office Powered
by Women, For Women
With women comprising nearly 50% of our client-facing team, we’re distinctively positioned to help more women achieve financial success.
We’ve adapted the sophisticated, time-tested strategies used by ultra-high-net-worth individuals to help women like you take control of their financial future.
A unified in-house team
of 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.
Read Reviews from our Clients
Helping families like yours for 40 years and counting.
Frequently Asked Questions
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Your benchmark for retirement savings will largely depend on your lifestyle, time horizon and your goals for retirement. Women typically live longer than men, so your plan will want to account for that. Longer lifespans mean more years to fund. A financial advisor can help you determine your specific savings benchmark and a tax-smart plan to help you work toward that goal.
In the meantime, be sure to contribute to tax-advantaged accounts: Maximize contributions to your 401(k) account, especially if you have an employer match, and if you’re eligible, contribute to a health savings account (HSA), which helps you save on taxes for certain healthcare expenses.
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Single women should take a proactive approach to planning for long-term care and assisted living expenses since they may not have immediate support. Long-term care can be very expensive, and Medicare generally doesn’t cover it, so alternative funding strategies are essential. You may want to consider long-term care insurance. Speak with a financial advisor to help clarify your options and determine the right path.
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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.
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Ensuring your assets are passed on according to your wishes requires careful estate planning. You’ll want to:
- Create a will and/or trust. Wills outline how your assets will be distributed, while trusts help protect and transfer wealth efficiently by avoiding probate.
- Update your beneficiary designations. All your retirement accounts, insurance policies, and investment accounts should have named beneficiaries.
- Regularly review your plan. To help ensure your assets are going to the right people/entities, review your estate documents and beneficiary designations on an annual basis.
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Single filers can seek to optimize their tax situation with smart strategies that reduce liabilities and maximize savings. Here are some key approaches:
- Maximize deductions and/or credits. Take advantage of the standard deduction or itemize if your expenses exceed the threshold. Look into credits like the Earned Income Tax Credit to lower your tax bill.
- Maximize retirement contributions. Contribute to 401(k)s, IRAs, and Roth IRAs to reduce taxable income while building long-term wealth. If your employer offers a Roth 401(k), consider diversifying tax treatment for future withdrawals.
- Use tax-advantaged savings accounts. Leverage Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) to pay for medical expenses with pre-tax dollars, reducing taxable income.
- Manage income timing. If possible, defer bonuses or income to a lower-tax year or accelerate deductions to reduce taxable income in high-earning years.
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At Mercer Advisors, the phrase “unified in-house team” refers to our integrated group of professionals — financial planners, investment managers, tax advisors, estate strategists, insurance specialists, and other professionals — who collaborate to design and execute your comprehensive financial plan. This unified approach helps ensure all aspects of your financial life are working together.
Mercer Advisors was ranked #1 for RIA firms with up to $70 billion in assets. The Barron’s top RIA ranking is based on a combination of metrics – including size, growth, service quality, technology, succession planning and others. No fee was paid for participation in the ranking, however, Mercer Advisors has paid a fee to Barron’s to use the ranking in marketing. Please see important information about the ranking criteria methodology here.
The achievement of any professional designation, certification, degree, or license, recognition by publications, media, or other organizations, membership in any professional organization, or any amount of prior experience or success, should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Mercer Global Advisors, Inc. is engaged, or continues to be engaged, to provide investment advisory services.
*Company statistics as of 5/31/25. Client assets refers to client assets under management (AUM) and client assets under advisement (AUA) as well as assets gained from recent acquisitions where the advisory agreements have been properly assigned to Mercer Global Advisors, but the custodial accounts have yet to be transferred and/or the accounts have yet to be migrated to Mercer Global Advisors’ portfolio management system.
