Smart Strategies for a Generation Redefining Wealth
Millennials are navigating a financial landscape unlike any before. You’re balancing rising costs, evolving careers, and family priorities, all while trying to build wealth and security in an uncertain economy.
Whether you’re just starting out or managing a complex portfolio, our team at Mercer Advisors can help you build stability, confidence, and options.
How We Help Millennials with Financial Planning and More
At Mercer Advisors, we understand that millennials are managing a lot: careers, families, and future goals in a rapidly changing world. Our approach is designed to meet you where you are and grow with you.
Whether you’re paying off student loans, navigating equity compensation, or preparing for retirement, we offer:
- A Unified In-House Team: Planners, investors, accountants, and estate specialists working together for you.
- A Hand-Picked Wealth Advisor: Focused on your goals, not on selling products.
- An Institutional-Grade Portfolio: Managed by 100+ professionals, tailored to your values and ambitions.
- A Boutique Fiduciary with National Strength: Intimate service, sophisticated capability, and always in your best interest.
Specialized Services for Millennial Clients
- Dual-income household cash flow and goal alignment
- Brokerage account tax-loss harvesting and rebalancing
- Education savings via 529 plans and gifting strategies
- Estate planning with trusts and guardianship provisions
- Charitable giving and donor-advised fund setup
- Insurance review for income and family protection
- Retirement modeling with early retirement scenarios
- Student loan repayment and forgiveness optimization
- Freelance income planning with SEP IRA setup
Mercer 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 select third parties unaffiliated to Mercer Advisors, depending on the complexity of the estate, additional fees may apply. Tax preparation and tax filing services typically requires a separate fee from our investment management and planning services.
For Emerging Professionals: Build Your Financial Foundation
If you’re early in your career, managing debt, and trying to save, our millennial financial planning services help you:
- Create a personalized budget and cash flow strategy
- Prioritize debt repayment and build an emergency fund
- Understand your workplace benefits and retirement options
- Start investing with confidence, including Roth IRA for millennials
- Explore student loan refinancing options and forgiveness strategies
We help you take control of what you can, even when the economy feels out of your hands. Because building wealth starts with building confidence.
For High-Income Dual-Career Households: Optimize What You’ve Built
You’ve built success; now it’s time to make it work smarter. With two incomes, equity comp, and a growing family, our advisors help you:
- Align financial goals between spouses
- Manage RSUs, bonuses, and tax-efficient investing
- Plan for your child’s future with education and estate strategies
- Protect your income and assets with the right insurance
- Model early retirement or career transitions
You may also be preparing to inherit wealth from Baby Boomer parents, and that brings new complexity. We’ll help you integrate inherited assets into your broader plan, minimize tax exposure, and help ensure your money supports your short-term and long-term goals.
Additional Solutions to
Help You Move Forward
Every financial journey is different — especially in a fast-moving world. Whether you’re working toward stability or aiming to build long-term wealth, our additional services help address the unique challenges and opportunities facing millennials today.
Inheriting Wealth: Planning for What’s Next
Millennials are poised to inherit trillions in assets from their Baby Boomer parents, but receiving a large inheritance can be emotionally and financially complex.
Whether you’ve inherited $100K or $1 million, the decisions you make now can shape your future:
- Should you invest it for long-term growth?
- Use it to pay down debt?
- Fund a sabbatical or start a business?
We help you explore strategies to turn a lump sum into lifelong income, spend with purpose, or save aggressively to retire early (or blend them to fit your goals).
We also guide you through the logistics: how assets transfer (via trust, will, or beneficiary designation), how taxes apply (including stepped-up cost basis and estate tax thresholds), and how to integrate inherited wealth into your broader financial plan.
Estate Planning for Millennials: Protect What Matters Most
Estate planning isn’t just for retirees — it’s essential for millennials with children, property, or aging parents. It’s about more than distributing assets; it’s about protecting your loved ones, honoring your wishes, and avoiding unnecessary legal and financial complications.
Foundational documents like a will, revocable trust, healthcare power of attorney (HCPA), and financial power of attorney (FPOA) ensure someone you trust can make decisions if you’re incapacitated. These documents also help avoid probate, reduce stress for your family, and ensure your assets are transferred according to your intentions.
Whether you’re naming a guardian for your child, securing care for a pet, or planning for a partner outside of marriage, estate planning helps you prepare for life’s “what-ifs.”
We’ll help you build a plan that reflects your values, protects your family, and evolves with your life.
FAQs
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Most experts suggest saving 10–12x your annual income by retirement. We’ll help you model your goals and build a personalized plan.
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We recommend diversified portfolios tailored to your goals. Whether it’s in a Roth IRA or brokerage account, we’ll help you get started.
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Yes. We evaluate your current loans, explore refinancing options, and integrate repayment into your broader financial strategy.
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We’ll help you plan for income gaps, insurance coverage, and retirement continuity, so you can take time off without financial stress.
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Absolutely. We offer ESG portfolios aligned with your values and help you understand performance and impact.
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Yes. Estate planning isn’t just for the wealthy or elderly. It’s about protecting your family, naming guardians, and ensuring your wishes are honored, especially if you have children or significant assets.
