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Investing in Your Future

Raising kids, caring for aging parents, or simply dealing with life’s responsibilities might have made it tough to keep your financial house in order. The challenge may seem immense, and you may be asking yourself questions such as:

• Can we afford to send our kids to that school?
• Are we saving enough for our financial future?
• Should we invest or pay down debt?
• Are we adequately insured to protect our dependents?

With so many questions, you might not even know where to start, but you do not have to go it alone.

The professionals at Mercadien can help answer your questions as well as suggest others you likely did not think of and help you organize your finances, prioritize your goals, and create and implement a financial plan.

Your family depends upon you for their well-being, and you can depend on us to help you strengthen your long-term financial well-being.

Starting Over, On Your Own

Whether you’re a single parent, widow(er) or divorcee, not having a sounding board for financial concerns can delay you making important financial decisions. Or in the past, you might have relied on your partner to handle the financial reins and now the responsibility falls on you. You may not know where to start and questions abound:

• Do I have enough money to support my lifestyle now and through retirement?
• Am I taking advantage of the resources that are available to me?
• Should I keep my existing insurance policies?
• Do I need to downsize my home?

We understand how daunting these issues can be, and we’re here to help.

We’ll do more than simply take things off your plate. We’ll work to educate and empower you as we work through the planning process. We’ll help you clarify and prioritize your financial goals. We’ll even run various scenarios to stress test your plan so you can sleep better at night. Our goal is to make you more confident that you are indeed making the right decisions for yourself and your family.

Reimagining Retirement

After decades of hard work, sacrifice, and investing in your family’s future – the time has finally come to reap what you’ve sown. And while retirement brings with it a well-deserved break, the transition brings with it a whole new set of unknowns. It’s not simply a matter of how to fill your days or if you’ll relocate, but how to make the most of your golden years:

• How much can we spend in retirement?
• What about long-term care insurance?
• When should I start taking social security?
• What happens if I retire a year earlier or later than originally planned?
• Will I need to work part-time?

It can be hard to envision how this new chapter plays out. The approach that got you to retirement, is likely not the one you need to get you through it. And that’s where we come in.

We’ve worked alongside plenty of others who’ve made the same transition. That experience combined with robust planning, goal prioritization, and portfolio management, will help you on this new path. After all the hard work you’ve put in to get to this point in your life, developing a solid financial plan is one of the most beneficial things you can do to better ensure you maintain your lifestyle for a lifetime.

Managing Sudden Wealth

Whether it is from an inheritance, the sale of a business, or possibly the result of a legal settlement you have been thrust into the role of managing a lot of money. With it comes many new responsibilities and people counting on you to make the right decisions. Unfortunately, money does not come with an instruction manual, and you might not be confident you know how to protect it and grow it to hopefully last a lifetime. You probably have lots of questions such as:

• What should I do with this newfound wealth?
• What questions should I be asking?
• How much can I spend today without having to worry about “blowing it?”
• Should I invest or pay down debt?

Not sure where to start? Partner with us and we’ll tackle these new responsibilities together. You won’t be missing the instruction manual when you’re with Mercadien.

Our team of professionals will identify the things you need to think about, analyze your situation, prioritize your financial decisions, and we can even introduce you to other professionals such as accountants and attorneys, and coordinate with them, to address the entirety of your financial well-being.

Leaving a Lasting Legacy

Your hard work is one of the cornerstones of the successful life you’ve created for yourself and your family. Whether you’re planning to ease off a bit to enjoy the fruits of your labor or keep up the hustle, you have a legacy to protect.

Be it asset protection, tax burdens, or charitable giving, there’s plenty for you and your family to navigate:

• What is the best way to go about charitable giving?
• How can I minimize estate tax liability?
• How can I ensure succession in my business?
• How do I ensure that I leave a lasting legacy?

Our experienced team of financial professionals can help you craft a lasting legacy plan. We’ll get to know the family, working alongside them as well as other professionals such as attorneys, accountants – to develop and execute a financial plan to help ensure the foundation you’ve laid serves future generations for years to come.