0/What We Do

Financial Planning

Taxes and investments are key components of your personal financial plan, but peace of mind comes from attention to all aspects of your financial life.

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Investment Advice

Let us help you answer many of the questions you may have about investing. Growing, protecting, and managing your wealth requires answers to many questions.

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Tax Planning And Preparation

Because we have a holistic view of your finances, we know when you can realize tax savings.

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Estate Planning

Estate planning goes well beyond making a will. We will evaluate with you the pertinent estate issues.

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Retirement Planning

For better or worse, fewer and fewer of us are getting a traditional pension plans at work.

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College Planning

It’s never too late to start investing in your child’s education. College planning is not just about picking a school. It involves figuring out how to pay for it.

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Additional Serives

Taxes and investments are key components of your personal financial plan, but peace of mind comes from attention to all aspects of your financial life.

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Taxes and investments are key components of your personal financial plan, but peace of mind comes from attention to all aspects of your financial life.

The Importance of Integration:

We make sure you have what you need and that your money is working for you as efficiently as possible. When you hire Mercury Financial Advisors, you hire someone to take care of all aspects of your financial life. When the aspects of your finances are dealt with on an individual basis, they often do not reflect your current goals and aspirations. Let “MFA” lead you down the path to success and help you put together a personal holistic financial plan.

Holistic Planning for Life’s Transitions:

Financial planning would be easy if life always went as planned. But life is a series of transitions—some planned and others unplanned—and the financial decisions made during these transitions can be the most critical.  

We take time to understand you, your goals, your values, your relationships, your personal history, every aspect of your finances. Let us help you find peace of mind knowing the most important things for your future are taken care of. Contact us to learn more about how much of a difference a holistic personal financial plan can make.


1. Grow, Protect, and Manage Your Wealth


Let us help you answer many of the questions you may have about investing. Growing, protecting, and managing your wealth requires answers to many questions, including: 

  • Do I buy individual stocks, mutual funds, ETFs, Treasuries, commodities, gold, or just leave my money in my savings account?
  • How much am I really paying for my investments?
  • What are the tax implications of the investments I select?
  • Which investments should I hold in my retirement accounts instead of my brokerage accounts?
  • Are my investments properly diversified?
  • Are my investment decisions sometimes driven more by emotion than objective analysis?

We use objective investing to help you grow and manage your investments. Our professional investment advice is fully integrated with your comprehensive financial plan, giving you the security and confidence that you have the best investment strategy for meeting your individualized goals. 

 


2. Objective Investment Advice... What is it? 


Our professional investment advice is fully integrated with your comprehensive financial plan, giving you the security and confidence that you have the best investment strategy for meeting your individualized goals.  Selecting who provides your investment advice and help is one of the most important decisions you need to make. At Mercury Financial Advisors, we hold ourselves true to these standards:   

  • Fiduciary: We are legally obligated to act in good faith and to put your interests ahead of our own. As fiduciaries, we also make, at the earliest possible opportunity, full written disclosure of any conflicts of interest which may compromise our impartiality or independence. 
  • Fee-Only: We receive no compensation that is contingent on you acting on our advice. Fee-only advisors do not sell financial products and do not receive commissions or other benefits from the investment choices you make.
  • Holistic: We provide investment advice based on your goals only after considering all your financial risks, your tax strategy, and the rest of your financial plan.

 


3. Functional Asset Allocation for Growing Your Net Worth


While most financial planners and investment advisors focus on your investment portfolio, we focus on your overall net worth. Functional Asset Allocation is a holistic approach to net worth management and growth. There are three main categories of assets, including:

  • Interest-earning: Interest earning assets include cash and bonds, which is capital preservation. These investments protect against deflation and ensure you’ll have a reliable cash flow while keeping this part of your portfolio safe.
  • Real Estate: Real estate includes your personal residence, real estate that produces income (rental property, for example), and nonproductive real estate (including vacant land and second homes). The purpose of real estate is to protect against inflation through the opportunity to mortgage your property.
  • Equities: Equities produce profits during times of prosperities. They’re the growth engine of your net worth. 

The purpose of Functional Asset Allocation isn’t to have the three categories compete against each other in performance or yield, but rather to work together in a balance to help you achieve your goals and to worry less about your finances.


Building Your Wealth by Minimizing Taxes 


Because we have a holistic view of your finances, we know when you can realize tax savings by: 

  • Reconstructing your investment portfolio
  • Shifting income to dependents in lower tax brackets
  • Claiming appropriate office-in-home deductions
  • Maximizing retirement plan contributions
  • Identifying all the deductions that apply to your small business
  • Using charitable gifting strategies more effectively
  • Amending prior-year tax returns
  • Implementing other tax-saving strategies

  

Tax Advice That’s Timely and Trustworthy

We work with you throughout the year to assure your taxes are as accurate as possible, to assure we spot all new opportunities for tax savings as they arise, and to assure you have the necessary amount of time to act on our advice.

Who you trust to help you prepare and plan for your taxes is important. As fiduciaries and personal income tax specialists, we understand and use current and lawful strategies to minimize taxes and help you build wealth.

Estate planning goes well beyond making a will. It involves decisions in many different areas, including the naming of a guardian for minor children and special provisions for mentally or physically disabled children, medical directives and other end-of-life considerations. We will advise you on how to minimize or eliminate estate taxes, how to best handle gifts or bequest to charities, whether a trust is right for your situation, and how to most effectively transfer ownership of a small business.

We will evaluate with you the pertinent estate issues – such as how you want your loved ones taken care of and assets divided, reducing estate taxes and probate costs, that impact your life and consider choices that you can then implement with your attorney.

Common questions that we can help address include:

  • Are your beneficiaries up-to-date and will your plan transfer assets efficiently?
  • Will taxes or probate costs unnecessarily reduce your estate?
  • Have you legally appointed someone to make decisions for you if you are unable to make them for yourself?
  • Are you concerned about possible conflicts among your family members after you are gone?

In the event of a death of one of our clients, we help the surviving spouse or other loved ones with the financial aspects of the probate process. Our aim is to minimize the costs and problems associated with preparing final asset statements and to coordinate tax and legal resources in the probate process. We also help with the paperwork and communications required for the transfer of assets.

It can be uncomfortable to think about death and its impact on the surviving spouse or other loved one, and the wealth that took a lifetime to build. But if you don’t set aside some time to plan, the government has a plan might not be to your liking. Once you put yourself in the driver’s seat, you’ll feel better.

For better or worse, fewer and fewer of us are getting a traditional pension plan at work. If you are like most people, you have a defined contribution retirement plan such as 401(k)s or 403(b)s as your sole savings/retirements vehicles. You may be able to contribute to your retirement plan at work but you are expected to grow and manage the money on your own for 30 to 40 years of employment and 30 years of retirement.

According to the Center for Retirement Research at Boston College, 52% of working-age households are “at risk” of not having enough to maintain their living standards in retirement. So it should come as no surprise that the most common questions we hear from new clients are:

“Am I on track to reach my retirement goals?”

"How long will my retirement savings last with systematic withdrawals?"

“If I retire now, do I have enough to support my traveling in retirement?”

MERCURY FINANCIAL ADVISORS can help you answer these questions:

  • How much do I need to save to meet my retirement goals?
  • When is the optimal time to file for my social security benefits?
  • How do I take money from my accounts to keep taxes low?
  • What do I do about Required Minimum Distributions?
  • How can I make best use of other retirement benefits that are available?

No matter where you are in life, at Mercury Financial Advisors, we work with you to develop a saving plan, set financial goals and optimize your retirement strategy to help you prepare for retirement, and manage your retirement portfolio so it can last.

Let your money works for you rather than you work for money. Work will become the key to a meaningful life and you can choose the work you really love to do.


GIVE YOUR CHILDREN THE EDUCATION THEY DESERVE


It’s never too late to start investing in your child’s education. College planning is not just about picking a school. It involves figuring out how to pay for it. Let us guide you from junior high school to grad school and answer the many questions that you may have about college planning, including:

  • How do I develop a college savings plan?
  • How can I maximize my college financial aid package?
  • How much money will I be expected to contribute toward my child’s educational expenses?
  • How do I navigate through the complex FAFSA and CSS Profile application filings process?
  • What does the college award letter mean and which college offers the best value?
  • What are the different types of student loans?

By planning ahead, you can make your child’s dream of going to college affordable.

Taxes and investments are key components of your personal financial plan, but peace of mind comes from attention to all aspects of your financial life.

GOAL SETTING

Your goals are the picture on the cover of your financial planning puzzle box. The better we understand what is important to you, the better we can help you structure your finances to achieve your goals.

We encourage in-depth conversation about what retirement looks like to you, what kind of schooling you want for your children or grandchildren and many other important life goals.

LIFESTYLE SPENDING REVIEW

Say the word “budget” and most people will cringe or groan. But all it means is deciding how you will spend your money in advance so that you are making regular progress toward your goals. We’ll help you understand the difference between good and bad debt, make sure you have enough set aside for emergencies and special opportunities, and if needed, help you gain control over your spending.

INSURANCE

Are you confident that you have the right amount and the right kind of insurance on your life, home and automobiles?

We don’t sell insurance. We will work with you to determine how much coverage you need, what risks you can afford to self-insure, and where and how much insurance you should buy, as these are vitally important considerations for your financial security. We will discuss these issues in detail and help you spend your insurance dollars wisely.

CHARITABLE PLANNING

Are you currently giving to causes that you care about? Do you plan to include them in your will? We can help you to determine which assets are most appropriate for charitable gifts and how you can obtain the most favorable tax treatment.

REAL ESTATE

Your home is probably your single largest investment and your mortgage is your single largest debt. The housing bubble showed everyone how easy it is to get a big house with a big mortgage and end up with a very big problem. We advise on getting the right-size home for your income and the right-size mortgage to fit your income. We will also review your mortgage to see if refinancing might lower your monthly payment or allow you to reduce the interest you pay.