Retirement 360

This week on Retirement360 MWA advisor Alan Mercurio and host, Randy Cook take on three of the biggest concerns facing retirees today: Social Security, taxes and advisor fees. An easy way to maximize your SSI benefit is to simply wait it out and withdraw as late as possible. However, waiting until you are 70 is not always the best option for some families. Alan and Randy tackle the thought process...

2019 Best of Alan Mercurio by Alan Mercurio

This week Mercurio Wealth Advisors Founder and President, Alan Mercurio, and host Randy Cook, discuss the importance of knowing your Risk Tolerance. What is Risk Tolerance? It is the ebb and flows you feel secure taking with the swings of the market. Almost everyone feels secure when the market climbs, but what when it dips? How much of your investment are you to miss? Knowing your Risk Tolerance...

How do you know when it is the right time to see a financial advisor? Everyone who owns a car knows to bring it to a mechanic when it needs a tune up, so why not apply that same logic to your finances? Why are families hesitant to use the guidance of a finance professional? By meeting with a financial advisor, even for one discussion, you may open the door to new opportunities to learn more about...

Is there such a thing as an average retirement? Surveys show that most folks will retire around 61 years old, and then experience 20+ of retirement! If we could know exactly how long our retirement would last - it would make for much easier planning. The average spend is $46,000 per household and that is mainly divided between monthly expenses of housing ($1,322), health care ($500) and food ($484...

This week on Retirement 360, MWA advisor, Alan, and host, Tony Vanetti, discuss the importance of having a total team to manage and guide your retirement. Does your CPA speak with your attorney, and then do they both speak to your financial advisor? Alan tackles the importance of having eveyone meet to make sure your retirement is on trach!

Retiring harder today? by Alan Mercurio

If you could protect your wealth in turbulent times - would you do it? Or, would you ride out the waves of the stock market? Do the ebbs and flows match your risk tolerance? Are you concerned about future income should there be a downturn in the market? This week, MWA advisor, Alan Mercurio, and host Randy Cook, discuss the pressing questions of market volatility and how someone can still come out...

As the markets move up and down, our office is fielding phone calls and meetings with everyone wanting to know - what do I do to control my savings? If you are considering adjusting your 401k and moving in to a different style account, what will that take? Will it spare you or add new fees? Will it adjust your taxes? Are there accounts that can offer protection and growth? This week, MWA advisor,...

Some say retirement is harder today than it was 5 years ago. People fear having to stop working. Families want to grow and protect their savings with little risk. Your income plan is not set and you are not sure where your retirement income will actually come from? Sound familiar? When there is fear, or a problem, there is often a solution. Meeting with an advisor if only once, or meeting with you...

This week MWA advisor, Alan Mercurio, and host, Randy Cook, discuss securing your planning throughout a rollercoaster market. What is a Yield Curve? What are tools and strategies to protect your wealth? How does inflation affect my savings?

How many people do you in their 80's? 90's? Even living to 100? This week, MWA advisor, Alan Mercurio, and host, Randy Cook, discuss what it takes to make your assets last and have longevity. Many retirees know that once you stop workin, you ought to have a plan - does your income plan accommodate for family emergencies? Does your plan take in to account for market corrections? How can you structu...

Holiday shopping ramps up and the smart shopper looks for the best deal - while many online retailers like Amazon and Target compete for incentives like free shipping, others like Walmart are not. When it comes to "shopping" for a new advisor, Alan walks you thru what to look for and what (if any) incentives should come with that new relationship. The holiday season also means the year is coming t...

The markets are up - spend! The markets are down - save! Almost daily you are bombarded from news shows, talking heads and various articles but when it is too much? And, who should you listen to? Many financial media outlets seem to operate on speediness and attention-grabbing headlines, but if you are ever concerned about your accounts, sit down with a trusted fiduciary who can explain how all th...

FOMO: The fear of missing out. Whether you are caught up in the endless financial news cycle, or constant watching the stock tickers, it is easy to get swept in the hype of markets, products, and what your neighbor is doing. If you go down 9% this month, but grew by 239% over the last years, is there need to panic? Just because a talking head on TV is calling for fire and brimstone, the main thing...

Sometimes, we meet with families and they seem to know exactly when they want to retire - down to the day. While having a target date in mind helps, we still ask, "Are you ready to retire?" Retiring from work is more than just not going to your full time job every day, and it can involve much more planning than setting up your SSI. Are you a business owner? How will you transition out of your busi...

The word "Correction' is circling the news, so what are you doing in case there is a pullback in the market? But other than worrying, learn what actions MWA Advisor Alan recommends in case there is the 10% drop. If you do not secure your accounts in the event of a correction, you will also want to consider preventing these mistakes at the 2018 tax season approaches. Alan and host, Randy Cook discu...

What is a "Market Pullback" and what action should you consider? MWA Advisor, Alan Mercurio and host, Randy Cook, delve in to the details of what to look for, how to understand the highs and lows, and choices you should consider within your portfolio. Always speak with your trusted fiduciary before making any new plans. Should you make changes in your portfolio - do you know how the fees are assig...

When it comes to growing your money - should you play offense or defense? MWA advisor, Alan Mercurio and host, Randy Cook, tackle the pros and cons of both. A defense cannot earn more money, you cannot just save your way to wealth. They touch on 3 steps to playing a smart offense for growth: Set a goal. Determine your financial target. Income. Who’s got your money? Find where it is so you can get...

Selecting the right tools, choosing the best date, making sure your funds are all set up to last and stay protected, making sure your will and estate plans are set....there are a number of items to check on your retirement to-do list. Where do you even start? And who is there to help you make the best decisions for you and your family? This week on Retirement 360, MWA advisor, Alan and host, Randy...

10 years ago this week, the financial markets plummeted and we started the Great Recession. What have we learned? For the young, they learned that the market ebbs and flows. For the senior, they learned the value of preservation and risk management. While there might be a correction on the horizon, lessons can be learned from 2008 and new strategies can be taken to safeguard your wealth. Not only...

Are You Asking Yourself the Right Questions? Self-reflection is necessary for your planning - but are you asking yourself the right questions? What do you look forward to the most during retirement? How long will your retirement last? How much will retirement cost? How much will you need to save to reach your retirement goals? How much of your retirement nest egg can you afford to spend each year?...

Having a team of advisors - retirement, investments, taxes, legal - is not just for a select audience. Every day, our advisors answer questions and address the following: Myth: Financial planning is only for rich people. Myth: Financial planning costs too much. Myth: Financial planning can wait until life settles down. Myth: Get one plan, and you’re set. Myth: I’ll pay fewer taxes in retirement Ha...

This week, MWA advisor, Troy Bolton, and host, Randy Cook, discuss the Guessing Game: When is the Best Time to Retire? And, that is not an easy question to answer because it is so personal to the individuals and the needs of their home and family. At MWA, we bring all our guests and clients onboard with the Retirement 360 Game Plan. The plan includes the following evaluations: Complete analysis of...

Since no family is average, and you cannot depend on the financial markets to stay average - one must create a unique plan that adheres to their needs and wants. You can start by meeting with a financial advisor, or take classes (sign up at HERE) and learn about strategies that are best for you. This week on Retirement360, MWA advisors Alan and Troy, and host, Tony Vanetti try to answer these ques...