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Impact of New Laws

Retirement Article

Catch-Up Contributions 2026: What’s New for Savers

SECURE 2.0 catch-up rules are in effect for 2026. New limits, a higher Roth threshold, and final IRS guidance change how older savers should plan.

Retirement Article

How SECURE 2.0 Is Reshaping Your Retirement Savings Options

The SECURE 2.0 Act of 2022 introduced significant updates to retirement savings rules — automatic enrollment, emergency savings accounts, and enhanced catch-up contribution limits — that can meaningfully change how you plan for the future.

Tax Planning Guide

Tax Filing Is Not the Same As Tax Planning

You may think you’re managing your taxes effectively when you file each spring, but are you sure? Learn the difference between tax preparation and proactive tax planning.

Financial Planning Article

How To Open a Trump Account for Your Child

Trump Accounts (Section 530A) let families invest up to $5,000 a year for any child under 18 — plus a $1,000 federal pilot contribution for kids born 2025 to 2028.

Financial Planning Article

Expecting a Baby? What To Know Now

New parents can build a stronger financial foundation with Trump Accounts, 529 plans, insurance, adoption credits, and estate planning basics.

Older couple meeting with advisor.
Retirement Article

RMD Rules for Retirement Accounts: What You Need To Know

Learn how RMDs work — from start ages and calculation methods to Roth account rules, inherited IRA requirements, and tax-smart planning strategies.

Tax Planning Article

Trump Accounts and Gift Tax: What Parents Need to Know

The IRS established a safe harbor for qualifying Trump Account contributions — but complex giving situations require careful planning.

Estate Planning Article

Estate Planning Strategies for Your Financial Future 

Learn how estate planning integrates with tax, investment management, and financial planning to help protect your wealth, minimize taxes, and transfer assets efficiently. 

Estate Planning Article

Minnesota Estate Planning: Strategies for Your Legacy

Minnesota residents face a $3 million estate tax with no spousal portability. Discover trust strategies, lifetime gifting, and tools designed to preserve your legacy.

Tax Planning Article

Tax Strategies for Airline Pilots

Understand taxes for airline pilots — from tax deductions for pilots and 401(k) super-funding to Roth conversions and pension coordination

Tax Planning On-Demand Webinar

Smart Savings for the Next Generation: Understanding 529 Plans and Trump Accounts

Learn how 529 plans and Trump Accounts each play a distinct role in funding your child’s education and long-term retirement — and how to get the most from both.

Family & Health Guide

What To Do When a Parent Passes: A Practical Financial Guide

A practical guide to the financial, legal, and administrative steps families face after a parent’s death, organized to reduce stress and prevent missed details.

Estate Planning Article

Estate Planning After the SECURE Act

Learn how retirement trusts and Roth conversions can help mitigate taxes for your heirs. 

FAQs
Retirement FAQ

Where do I find my current 401(k) contribution limits and plan options?

See the answer
Retirement FAQ

What are catch-up contributions and who can make them?

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Retirement FAQ

What is the difference between the standard catch-up and the super catch-up?

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Retirement FAQ

Do I need to update my financial plan because of the new catch-up rules?

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Retirement FAQ

Should I make Roth or traditional catch-up contributions in 2026?

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Retirement FAQ

What is the SECURE 2.0 Act and how does it affect my retirement plan?

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Retirement FAQ

What is a pension-linked emergency savings account (PLESA)?

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Retirement FAQ

Should I opt out of automatic enrollment if my employer signs me up for a new 401k?

See the answer

Further Learning

Retirement Article

Medigap vs. Medicare Advantage: Your 2026 Medicare Options

Understand your 2026 Medicare choices, and compare Medigap and Medicare Advantage on cost, coverage, networks, and enrollment to make an informed decision.

Retirement Article

Connecting the Dots on Your Retirement Plan

Learn how a structured three-part approach to retirement income planning can help you protect the wealth you’ve built and achieve financial independence.

Financial Planning Guide

The Inheritance and Sudden Wealth Playbook: First 90 Days + 12 Months

When you inherit a significant amount of wealth, the decisions you make in the first year can define outcomes for decades. Here’s your step-by-step playbook.

Listen
Investment Management Podcast

Episode 39 – Financial Planning Is a Prerequisite to Successful Investing

Don Calcagni, Chief Investment Officer, breaks down why financial planning should be the essential first step to building, sustaining, and transferring wealth.

About Mercer Advisors

We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.

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