When your health changes, your financial plan should too.
Whether you’re facing a new diagnosis, managing a chronic condition, or preparing for end-of-life care, Mercer Advisors is here to help. Our integrated team of advisors, estate planners, and tax professionals works together to simplify your financial life so that you can focus on your health and your family.
Table of Contents
Financial Challenges and Planning Opportunities During Health Crises ↓
How Mercer Advisors Supports You and Your Family ↓
Specialized Services for Health Challenges ↓
Financial Strategies for Disability, Long-Term Care, and End-of-Life Planning ↓
How Health Crises Can Impact Your Financial Opportunities & Challenges
Whether you’re planning for yourself or a loved one, understanding the financial landscape is the first step toward stability.
Common Challenges:
- Loss of income or employment due to illness or disability
- Rising healthcare and long-term care costs
- Emotional and financial strain on family caregivers
- Complex estate and legacy decisions
Opportunities to Regain Control:
- Personalized financial strategies that adapt to your health journey
- Legacy planning that reflects your values and protects your loved ones
- Tax-smart approaches to managing care costs and preserving wealth
How Mercer Advisors Supports You and Your Family
A Unified In-House Team
When your health changes everything, you shouldn’t have to coordinate everything.
Our in-house team of financial planners, estate attorneys, and tax professionals works together to simplify your financial life.
A Dedicated Advisor Who Knows Your Story
You deserve someone who knows your story, not just your balance sheet.
Your advisor is your advocate: ready to listen, guide, and act on your behalf.
A Personalized Investment Strategy
Your care plan is unique. Your portfolio should be too.
We tailor your investment strategy to support your health needs, cash flow needs, family goals, and long-term security.
Boutique Service, National Strength
We combine the warmth of a boutique firm with the strength of a national institution.
That means deeply personal service, backed by the resources to help you navigate even the most complex financial and health challenges.
Specialized Services for Health Challenges
- Urgent estate planning: Drafting or updating wills, trusts, and healthcare directives
- Portfolio restructuring: Creating liquidity to cover immediate and ongoing care expenses
- Tax-smart medical planning: Maximizing deductions for treatments, home care, and accessibility upgrades
- Long-term care funding: Modeling costs and identifying sustainable funding and insurance strategies
- Asset simplification: Retitling and consolidating accounts for easier family transitions
- Special needs trust or ABLE account creation: Protecting benefits and care for dependents with disabilities
- Charitable legacy planning: Structuring donor-advised funds and charitable trusts for impact
- Survivor transition support: Guiding heirs through benefit claims and financial next steps
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.
Financial Strategies for Disability, Long-Term Care, and End-of-Life Planning
At Mercer Advisors, we help you plan for what’s next, whether that’s navigating a sudden disability, managing a chronic illness, or preparing for end-of-life care.
Disability Financial Planning
- Immediate financial triage and insurance claims support
- Employer benefits navigation (short/long-term disability, COBRA)
- Planning for home and lifestyle modifications for accessibility
- Guardianship or conservatorship planning
Long-Term Care Financial Planning
- Budgeting for home care, assisted living, and medical expenses
- Income continuity and disability insurance strategies
- Tax planning for ongoing healthcare costs
- Spousal and caregiver financial support
End-of-Life Financial Planning
- Urgent estate planning (wills, trusts, powers of attorney)
- Legacy and charitable giving strategies
- Simplification of assets for ease of transition
- Family financial education and support
We’re the first call when things change, and the last call your family needs to make.
Let’s TalkAdditional Planning Support Tailored to Your Needs
A serious health condition impacts every aspect of your life. Whether you’re making financial decisions, updating your estate plan, or caring for a loved one, our integrated services are here to help you navigate what’s next.
Health & Wealth Planning Checklist
Key Moves to Make Now:
FAQs About Financial Planning for Health Challenges
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It’s a comprehensive approach to managing income, benefits, care costs, and long-term financial security for individuals living with a disability. This includes insurance claims, accessibility planning, and estate protection.
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Start by estimating future care needs and costs. Consider long-term care insurance, health savings accounts (HSAs), and investment strategies that generate income. A financial advisor can help you build a sustainable care plan.
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It includes estate planning, asset simplification, charitable giving, and seeking to ensure your wishes are documented and executable. The ultimate goal is typically to reduce stress for your family.
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Yes. Whether you’re newly diagnosed or managing a chronic condition, it’s never too late to create a plan. We specialize in helping clients make informed decisions during times of uncertainty.
