Guidance Around Optimizing Your United Benefits
At Mercer Advisors, we advise United pilots navigating PRAP, pension elections, Medicare transitions, and retirement decisions. Our integrated team of wealth advisors, tax professionals, and estate planners coordinates every detail of your plan.
Specialized Services for United Pilots
- PRAP Spillover and HRA/RHA Strategy: Model IRS limits and optimize spillover to tax-advantaged health accounts
- Retirement Month Vacation Election Planning: Time vacation elections designed to reduce taxes and increase savings
- Medicare Transition and SSA-44 Filing Support: Help reduce Medicare premiums and coordinate coverage across plans
- RHA Legacy Planning and Beneficiary Structuring: Preserve RHA assets for dependents and avoid forfeiture
- PBGC/CPRP Annuity and Lump Sum Modeling: Evaluate pension options and integrate them into your retirement plan
- GVUL Investment Fund and Portability Guidance: Manage GVUL side funds, portability, and estate benefits
- LTD Layers and Coverage Planning: Assess whether to opt out of UAL LTD or layer additional coverage
- Retirement Date and Pension Timing: Coordinate your final pay period, vacation payout, and benefit start date
- Military Pension and TRICARE Coordination (if applicable): Align military income with TRICARE, Medicare, and United retiree benefits
- Social Security Claiming Strategy: Determine the right time to claim given your pension income, retirement date, and household income needs
A Family Office for Your Family
We’ve adapted the sophisticated, time-tested strategiesused by ultra-high-net-worth individuals to help more families take control of their financial future.
A unified team
of advisors, 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.
TRUST WE HAVE EARNED
#1 RIA in 2025 Barron’s Top 100 RIAs Ranking
Best Overall Financial Advisory Firm for High-Net-Worth Individuals 2026 by The Wall Street Journal Buy Side
5 Star Ranking on Newsweek America’s Top Financial Advisory Firms 2026
Winner of 2025 Wealthies RIA Client Initiative for Advisor Matching Tool
Read Reviews from our Clients
Helping families like yours for over
40 years and counting.
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As one of the largest, and fastest-growing advisory firms, we pride ourselves in our academically rigorous investing solutions that reflect your unique goals, tax circumstances, risk tolerance, and investment preferences. Whether you’re saving for life goals such as retirement** or your child’s education, or are looking for asset management and investment advice to grow your wealth, our experienced advisors can help.
Frequently Asked Questions
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If you’re 3 to 7 years from your FAA retirement date, it’s important to consider your financial situation and retirement goals. This window is when PRAP elections, pension decisions, and Medicare transition planning could have the most impact on your outcome. United’s benefit structure generally favors early planning over starting after an election window has opened.
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PRAP spillover and Active HRA timing require careful coordination. The right approach depends on your contribution history, benefit elections, and retirement date. We model this as part of your overall retirement plan.
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It depends on your full financial picture: your other income, your health, your spouse’s situation, and your comfort with investment risk. We model both PBGC/CPRP options against your complete plan before you elect.
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Our team of more than 400 specialists provides integrated planning, investment management, tax, and estate solutions, all coordinated by a single, unified team. As fiduciaries, we’re committed to advice, not product sales.
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Yes! We offer a complimentary consultation where we’ll discuss your financial goals and how we can help. If you’d like to move forward and work with us, you’ll be thoughtfully matched with an advisor suited to your needs who can create a plan and help you put it into action.
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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.
