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:
Clarity About Cash Flow
Our detailed plans mean you’ll have a clear view of your expected income and spending guardrails, helping eliminate anxiety about outliving your savings.
Strategic Decision-Making
Retirement involves complex choices, and missteps can have negative ripple effects. We’ll provide informed, unbiased guidance on these pivotal decisions.
Reassurance
Transitioning to retirement can bring emotional unease. Drawing on more than 40 years of experience, our team can help you envision the most fulfilling version of your next chapter.
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.
FAQs About Retirement and Your Wealth
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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.
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Look for someone with expertise in retirement planning, including Social Security, Medicare, and tax strategies.
Ensure they offer personalized, comprehensive advice tailored to your lifestyle and goals.
Transparency is key—choose someone with a clear fee structure, avoiding conflicts of interest. Working with a fiduciary advisor will help ensure this person is always working in your best interests.
Finally, evaluate their communication style and willingness to educate. Your advisor should give you the guidance you need to confidently navigate the complexities of retirement.
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We believe the best investment strategy for retirement is unique to you—your specific goals, needs, life stage, and situation. It’s practically impossible to choose one “best” strategy.
That said, we do believe in adhering to five evidence-based principles for investing:
- Diversify broadly, both across and within global asset classes
- Use factors to determine investments within asset classes
- Take a systematic, long-term approach to investing and building wealth
- Rebalance regularly
- Keep costs, turnover, and taxes as low as possible
