Mercer Advisors
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Long-Term Care

Retirement Podcast

Episode 529 – Retirement Misconceptions

We debunk widespread retirement misconceptions about Social Security, long-term care, taxes, and the myth of a magic retirement number.

Insurance Solutions Article

Medicare Covers a Lot. It Doesn’t Cover Long-Term Care.

Medicare doesn’t cover long-term custodial care. Learn what it covers, what it doesn’t, and how self-funding, hybrid insurance, and estate planning can help you prepare for the gap.

Older Woman Viewing Computer
Women & Wealth Article

Financial Planning for Single Women Over 50

Single women over 50 face distinct retirement challenges. Learn Social Security strategies, long-term care planning, estate planning, and solo income sequencing.

Couple discussing retirement planning with advisor.
Insurance Solutions Article

Funding LTC Insurance From Your Retirement Plan

SECURE 2.0 created qualified long-term care distributions (QLTCDs), letting retirement plan participants pay LTC insurance premiums without the 10% early withdrawal penalty.

Insurance Solutions Article

One Team, One Plan, One Vision: Integrated Insurance Planning

Discover how integrated insurance planning coordinated across your investments, taxes, and estate plan can help protect and preserve your wealth.

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. 

Family & Health Article

Retirement Trusts for Beneficiaries with Special Needs

An overview of how retirement assets can support special needs trust planning, preserve government benefits, and provide long-term financial support for families.

A family talking about lifecare contracts
Financial Planning Article

LifeCare Contracts: Time, Cost, and Long Term Care

Learn how LifeCare CCRC contracts work, why time horizon matters, and how refundable vs declining fees shape long-term cost.

A couple reviewing their insurance
Insurance Solutions Article

Is It Time To Review Your Insurance? Here’s When and Why You Should

An insurance review helps ensure you’re not underinsured, overpaying, or missing out on better coverage options.

Doctor delivering bad news to an older gentleman
Family & Health Article

When You or a Loved One Are Facing Terminal Illness: Finances To Address

When preparing to lose a spouse, important financial decisions could be overlooked. Get guidance on protecting your family.

ABLE account
Estate Planning Article

ABLE Accounts vs. Special Needs Trusts: Which Do You Need? 

ABLE accounts and special needs trusts (SNTs) are financial solutions for individuals with disabilities. Learn the pros and cons of each. 

Insurance Solutions Article

Should You Consider Long-Term Care Insurance Through a Life Policy? 

Determine if a hybrid life insurance policy with LTC rider may be right for you over a traditional long-term care insurance policy.

Estate Planning Article

3 Phases of a Lifelong Financial Plan for People With Disabilities

Lifelong planning for folks with disabilities is often a balancing act between providing support and not undermining existing benefits.

FAQs
Insurance Solutions FAQ

What is the difference between traditional and hybrid long-term care insurance?

See the answer
Insurance Solutions FAQ

Where can I find help planning for long-term care costs?

See the answer
Insurance Solutions FAQ

Is long-term care insurance worth it if I have significant assets?

See the answer
Insurance Solutions FAQ

Should I buy long-term care insurance or self-fund?

See the answer
Insurance Solutions FAQ

What is the difference between skilled care and custodial care?

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Insurance Solutions FAQ

What does Medicare cover for long-term care?

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Insurance Solutions FAQ

What is long-term care insurance?

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Women & Wealth FAQ

Why is retirement planning different for women?

See the answer

Further Learning

Market Commentary On-Demand Webinar

Q4 Market Outlook: Markets, Interest Rates, Inflation, and More

Mercer Advisors CIO Don Calcagni and Partner Kara Duckworth break down inflation, the Fed, deficits, AI valuations, and housing in this Q4 market outlook webinar.

Market Commentary Article

AI and Your Portfolio

The rise of artificial intelligence is impacting the financial markets and economy in 5 key ways

Multi-generational Family on the Beach
Estate Planning Guide

Dynasty Trusts and Multigenerational Wealth Transfer: A Post-OBBBA Guide

The OBBBA made the $15 million estate tax exemption “permanent.” This guide explores how dynasty trusts, combined with generation-skipping transfer (GST) tax planning and coordinated trust strategies, can help protect and transfer wealth across multiple generations.

Couple talking to advisor
What Clients Ask Guide

How To Choose a Wealth Management Firm at $1M-$10M: The Complete Guide

Learn how to choose a wealth management firm: Discover the questions to ask, fee structures, fiduciary standards, and integrated solutions that can help protect and grow your 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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