Thoughtful Financial Planning
for All Areas of Retirement

Retirement Advisors to Help You
Make the Right Moves at the Right Time

Managing your finances in retirement can be daunting—one misstep could have significant consequences. Mercer Advisors helps you take control with clarity, confidence, and a unified team that has your back every step of the way.

Explore our full range of retirement services, tailored to address your specific situation. Let us help you achieve the goals that you’ve set – and deserve.

Why You Need a Specialized Retirement Advisor

Managing your finances in retirement can be daunting—one misstep could have significant consequences.

A financial advisor with retirement expertise helps you make more informed decisions, creates a sustainable plan for income, and empowers you to enjoy retirement without financial stress.

How Mercer Advisors Supports Your Retirement Goals

Mercer Advisors has 40 years of experience helping clients throughout their retirement journey. From planning for retirement to supporting their long retirement years, we’ve provided a steady hand to guide people through this exciting time.

We help pre-retirees and retirees become more confident in three key ways:

1

We help simplify complex issues like asset division, alimony, and more — translating them into actionable insights.

2

We partner with you and your attorney throughout the entire divorce process, providing both parties with data that shows the financial impact of any given settlement.

3

We recognize there’s more to divorce financial advice than just numbers on a balance sheet; we address your specific concerns and help empower you to make more informed decisions.

Specialized Services for Retirement

  • Cash flow planning to support long-term financial security
  • Social Security claiming strategies
  • Tax-efficient distribution strategies
  • Planning for healthcare costs
  • Medicare education
  • Tax-smart gifting strategies for children and grandchildren
  • Support for major life transitions: loss of a loved one, health events
  • Estate planning to minimize taxes

What You Can Expect from Our Retirement Advisors

Retirement isn’t a finish line—it’s the start of a new chapter. Whether you’re approaching retirement or already there, having a personalized strategy can help ensure your future is one of freedom, fulfillment, and financial security. Here’s how our team supports you every step of the way:

Clarity about where you stand—and where you’re headed.

Many people nearing retirement share a common question: Can I afford the life I envision? Our retirement advisors begin with a deep understanding of your current financial picture and your aspirations for the future. Through comprehensive financial modeling and scenario planning, we help bring your retirement goals into focus and chart a path toward them with confidence.

Guidance to make informed, long-term decisions.

Retirement planning is about more than investment strategy—it’s about making smart decisions at the right time. From optimizing Social Security and Medicare to evaluating pension options and tax-efficient withdrawals, we offer clear, personalized advice to help you avoid costly missteps and make choices that support a thriving retirement.

A retirement plan that fits your lifestyle.

Your retirement should reflect your values, passions, and the legacy you want to leave behind. Whether you’re dreaming of travel, family time, or giving back, we’ll create a tailored retirement plan and investment strategy designed to support the life you want to live—today and in the decades to come.

Additional Retirement Solutions

At Mercer Advisors, we recognize that retirement is a journey with distinct stages—from planning and preparing, to living confidently, to potentially relocating for your next chapter. That’s why we offer comprehensive solutions tailored to meet your evolving needs every step of the way.

Planning for Retirement

Helping you build a personalized retirement strategy to preserve wealth, optimize income, and support the life you envision—now and in the future.

Living in Retirement

Supporting your evolving needs with strategies to help manage income, healthcare, lifestyle, and legacy throughout retirement.

Relocating in Retirement

Personalized guidance to help you navigate the financial, tax, and lifestyle considerations of retiring in a new state or country.

FAQs About Retirement and Your Wealth

  • While financial independence will look different for everyone, there are some general principles that can help you work toward this goal:

    • Establish a Sustainable Withdrawal Rate: Begin by calculating how much you need to withdraw annually from your portfolio to cover expenses. Factor in income sources like Social Security and pensions, and subtract these from your total spending needs. Aim for an initial withdrawal rate of 4-5%, adjusting annually for inflation. Be mindful of taxes and market volatility, as they can significantly impact your withdrawal rate.
    • Diversify Your Investment Portfolio: Protect your savings by diversifying across asset classes to reduce risk. Consider balancing growth-oriented investments with safer options to help ensure your portfolio can withstand market fluctuations while supporting your long-term financial goals.
    • Plan for Unexpected Expenses: Prepare for unforeseen costs by maintaining a financial cushion—and having appropriate insurance coverage to help blunt any surprise costs. Regularly review and adjust your plan to account for evolving circumstances, ensuring your money lasts throughout your retirement.

Ready to plan for retirement?