Mercer Advisors
Sharing Knowledge

Retirement Planning

Retirement planning is about much more than saving enough money — it’s about coordinating Social Security timing, Roth conversions, required minimum distributions, and retirement income strategy into a plan that can support the life you want to live. At Mercer Advisors, we help clients at every stage of their retirement journey, from early career savers to pre-retirees navigating the most critical decisions of their financial lives. Browse the resources below for evidence-based retirement planning guidance across tax, income, and investment strategy.

Retirement Guide

Retirement Tax Planning: A Year-Round Guide to Help Keep More of What You’ve Built

A comprehensive retirement tax planning guide covering Roth conversions, RMDs, IRMAA, Social Security taxation, QCDs, and tax-loss harvesting strategies for retirees.

Tax Planning Article

How Much Money Do You Need To Work With a Wealth Manager?

Firm minimums vary widely, but a better question may be whether your financial complexity warrants professional coordination.

Listen
Retirement Podcast

Episode 526 – First Years of Your Retirement: How Best to Prepare

Discover why the first years of retirement set the tone for long-term success and how to spend intentionally during your most active, healthy years.

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

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.

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.

Women & Wealth Guide

Retirement Planning for Single Women: A Complete Guide

A practical guide to retirement planning for single women — covering Social Security, long-term care, estate planning, and an age-specific checklist.

man meeting with a financial advisor in office, shaking hands
What Clients Ask Article

Questions to Ask When Choosing a Financial Advisor

Discover the essential questions to ask when choosing a financial advisor — covering fiduciary duty, compensation models, and team approach.

Couple talking about finances.
Retirement Article

The DINK Financial Advantage: Building Wealth Together

Dual income, no kids (DINK) couples have a rare financial window. From backdoor Roth IRAs to early retirement, discover strategies to help protect and grow your wealth.

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.

Listen
Retirement Podcast

Episode 523 – Measuring the Success of Your 401(k) Plan

John Walker and Jason O’Meara of Mercer Advisors join retirement specialist Dennis Jablonski to break down the metrics that define 401(k) plan success.

FAQs
Work & Business FAQ

What is an ESOP?

See the answer
Retirement FAQ

What is the SECURE Act 2.0’s Rule of 46 for ABLE accounts?

See the answer
Retirement FAQ

How does Social Security function for high earners?

See the answer
Retirement FAQ

What is the Rule of 55?

See the answer
Retirement FAQ

How do effective and marginal tax rates differ in retirement?

See the answer
Retirement FAQ

What is the difference between a QCD and a regular charitable deduction?

See the answer
Retirement FAQ

How do I calculate my required minimum distribution?

See the answer
Retirement FAQ

Is tax-loss harvesting worth it for retirees?

See the answer

Further Learning

Trustee Services On-Demand Webinar

Estate Planning: The Decisions Behind the Documents

We break down the key roles in estate planning — trustees, executors, and agents — and how to choose the right people, communicate with family, and keep your plan up to date.

Listen
Market Commentary Podcast

Episode 41: Making Sense of Rising Treasury Yields

David Krakauer, Vice President of Portfolio Management, examines the economic forces that have pushed long-term Treasury yields to the highest level in nearly two decades — and why investors shouldn’t be alarmed.

Women & Wealth Article

How Women Can Design a Legacy That Reflects Their Values

A legacy plan goes beyond transferring assets — it helps transfer your values. Learn how women can design financial legacies that reflect what matters most to them.

Market Commentary Article

Making Sense of Rising Treasury Yields

What investors should know about bond prices falling as long-term Treasury yields climb to a 19-year high.

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.

Explore Our Solutions

Financial Planning
Estate Planning
Tax Planning & Preparation
Insurance Solutions
Investment Management
Trustee Services

Want to learn more about Mercer Advisors?

Let’s Talk