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Financial Planning: Your Life Covered

As a Mercer Advisors client, you will work with a financial advisor who leads the client team, including a CERTIFIED FINANCIAL PLANNER™. These professionals have completed thousands of hours of experience providing financial planning services, passed a rigorous examination, and are held to strict fiduciary and ethical standards. These requirements demonstrate they can help deliver a comprehensive financial planning strategy for all your financial needs.

What to expect when working with a Mercer Advisors financial planner

Mercer Advisors financial services range from developing a financial plan to best invest your money to tax planning and return preparation, estate planning, retirement planning, and more. Whatever your financial situation, our advisors are professionally equipped to handle your personal finances to ensure you attain your Economic FreedomTM.

A financial advisor provides advice on your investments, such as retirement accounts, estate, taxes, and children’s education plans. Here are a few examples of financial planning services that may be included when working with Mercer Advisors:

Financial Planning On Top Mountain - Mercer Advisors
  • Investment management: Investing your life’s savings is serious business. We believe investing is a means to an end, and it all starts with your financial plan. We believe high-quality financial planning services are a prerequisite to a successful investing experience. Our factor-based investment philosophy has been demonstrated through academic research to deliver superior, risk-adjusted returns over time.
  • Estate planning: From foundational estate planning basics to intricate planning issues such as complex assets (a business), complicated family situations (you and your spouse have children from a previous marriage), or other circumstances (special needs or medical issues), our in-house estate lawyers work in concert with our advisors to help you prepare for countless life scenarios.
  • Tax planning: When you work with an accountant to prepare your taxes, or if you file your tax return yourself, you look at the past year and how your finances were impacted. Mercer Advisors takes a proactive approach to tax planning to help you better understand what your tax situation may look like in the future and how the decisions you make today can affect your future wealth.

 

  • Retirement planning: A comprehensive approach to retirement planning considers tax planning, investment management, estate planning, and much more. Our expert financial advisors, CPAs, and estate lawyers share strategies on how to set and meet your retirement goals.
  • Education planning: Higher education is expensive. If you want to help your children or dependents pay for college, financial planning can help.
  • Budgeting: A financial planner will propose a budget based on your personal situation to ensure you spend according to your financial situation and don’t go into unnecessary debt.

The exact services offered by a financial planner will vary based on the individual. Make sure your financial advisor offers services that address your needs.

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Your Professional Advisor will:

Listen to your individual situation to uncover your financial goals and consider all your wealth management needs, from lifestyle and retirement to charitable giving and legacy.

Prepare and analyze your balance sheet, including net worth, cash flow planning, saving, and budgeting.

Manage your investments, income taxes, retirement, estate plans, and children’s education plans, and show you how it all works together to help you achieve Economic Freedom™ and  peace of mind.

Identify potential risks to you and your loved ones so that you may keep more of your wealth and don’t have to worry about you or your family’s financial future.

Lifestyle, Longevity, and Legacy Protection

Why is financial planning so important?

Achieve your desired lifestyle

Ensure your wealth longevity

Create your desired legacy

Financial planning offers triple protection spanning today and tomorrow:

  • Protection for your current lifestyle
  • Protection against running out of money (longevity)
  • Protection for what you want to leave behind (legacy)

Financial planning answers critical questions about your life goals and helps you achieve them.

  • How many months of living expenses do I need to have in savings? How can I best manage my spending?
  • Do I have sufficient insurance coverage for all my assets? How do I know that I have the right coverage?
  • How can I take care of my aging parents?
  • What’s the best way to fund my children’s education? Are 529 plans the only way (or the best way) to save for their education?
  • How much money do I need to save for retirement?
  • When should I start withdrawing on my Social Security?
  • Are my investments properly allocated to meet my goals? What is the historical and expected rate of return for my portfolio?
  • What impact do taxes have on my investment portfolio? How can I minimize taxes on my wealth?
  • How do I protect my assets to ensure my children inherit the maximum amount?
  • If I die unexpectedly, who will take care of my children?
  • How do I ensure my legacy is passed on to my favorite charity?
Financial Planning Old Couple - Mercer Advisors

With Mercer Advisors, you gain a holistic financial planning partner who can help you protect those who matter most and what you’ve worked so hard to build. We’re here to listen to your “What if?” and your “What now?” questions.

TALK TO US

Talk with an Advisor.