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Year-Round Tax Planning

Estate Planning Article

Lifetime Gift Tax Exemption: Why Using It Now Could Offer Advantages Over Waiting

For taxable estates, using your lifetime exemption now can shelter future growth from estate tax. See how timing, trusts, and GST planning may shape the outcome.

Family having conversation wiht advisor.
Financial Planning Article

A Family Office for Your Family: A Wealth Tradition Within Reach

The sophisticated, time-tested family office approach used by many ultra-high-net-worth individuals to help manage their financial lives is now accessible to more families.

Retirement Article

Retirement Tax Planning: Your Lowest-Tax Window May Be Open

Retired but not yet taking RMDs? You may be in your lowest-tax window. Learn how Roth conversions and smart withdrawal sequencing can cut lifetime taxes.

Retirement Article

What To Handle Before Dec. 31 and What Can Wait

A year-end financial checklist sorted by whether you’re employed, retired, or taking required minimum distributions (RMDs). Plus the items that don’t have December deadlines.

Retirement Article

Roth Conversion Strategy for Low-Income Years

A Roth conversion strategy during low-income years may help you shift pretax savings to tax-free growth. Learn how to coordinate conversions with IRMAA, ACA, and Social Security.

Tax Planning Article

Before You Sell Your Home, Consider This Tax Strategy

Converting your home to a short-term rental before you sell can pair a cost segregation study with the Section 121 exclusion. Here’s how it works.

Financial Planning Article

What Comprehensive Financial Planning Can Do for You

Learn what comprehensive financial planning is and how connecting cash flow, taxes, investments, retirement, estate, and insurance can help you reach your goals.

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.

Tax Planning Article

The New Math of Charitable Giving Tax Deductions

New 2026 charitable giving tax deduction rules changed the math. Learn how the AGI floor, the 35% cap, and DAFs reshape your year-end giving strategy.

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.

Retirement Guide

The Complete Retirement Income Guide: How to Make  Your Money Last

Explore a comprehensive guide on retirement income planning, including Social Security strategies, withdrawal sequencing, and sequence-of-returns risk.

Team having a discussion in a meeting
Tax Planning Article

Taxes and Wealth Management: Better Together With a Unified Team

Our integrated tax and wealth management teams work together year-round, delivering coordinated planning that helps reduce surprises and tax liability.

FAQs
Estate Planning FAQ

Where can I learn more about tax-free gifting options?

See the answer
Estate Planning FAQ

Can I use my exemption and still keep access to the assets?

See the answer
Estate Planning FAQ

Which is better: a GRAT or a sale to a grantor trust?

See the answer
Estate Planning FAQ

Should I gift appreciated assets if my heirs lose the step-up in basis?

See the answer
Estate Planning FAQ

What happens to my gifts if Congress lowers the exemption later?

See the answer
Estate Planning FAQ

Is there still a reason to act now that the exemption is permanent?

See the answer
Estate Planning FAQ

Why use my lifetime exemption now instead of at death?

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Financial Planning FAQ

How can I get started?

See the answer

Further Learning

Older Couple Talking to Younger Woman
Retirement Article

What Are QLACs and Who Should Consider One?

Here is how qualified longevity annuity contracts (QLACs) work, the current rules, and when one might make sense for your retirement income plan.

Women & Wealth Article

What Financial Independence for Women Business Owners Really Means

Women business owners increasingly prioritize flexibility and independence. Learn how liquidity buffers, exit readiness, and coordinated planning can help.

Work & Business Guide

The Tech Founder Preliquidity Planning Timeline: A Five-Year Playbook

A five-year preliquidity planning road map for tech founders covering QSBS stacking, trust structures, state residency, 10b5-1 plans, and diversification.

Trustee Services On-Demand Webinar

Navigating Medicare: Your 2027 Open Enrollment Playbook

Mercer Advisors Colin Day and Chapter’s Ari Parker break down Medicare’s 2027 updates, enrollment steps, and key decisions for retirees.

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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