Mercer Advisors, Formerly Epstein & White

11/18/2025

Receiving an inheritance can bring with it a mix of gratitude, responsibility, and uncertainty. But what do you do with it?

As Thanksgiving approaches, many of us take this time to reflect on what we're thankful for. Gratitude for family and good health are usually on the list, but some of us may have the added blessing of an inheritance from

11/11/2025

Though no one likes to think about it, as we age, we may not always be able to handle things on our own. When daily activities become too difficult, long-term care helps provide the assistance we may need... But when should you start planning for it?

https://epsteinandwhite.com/2025/11/11/when-should-i-plan-for-long%e2%80%91term-care/

11/05/2025

Estate planning is not just for the ultra-rich, and it's not only about what happens to your stuff when you're gone! So, how do you know if you need an estate plan?

If you’ve ever thought that estate planning is only for the ultra-rich or that you can wait until later in life, you’re not alone. But estate planning is important to consider at any age and is

10/31/2025

A high-yield savings account has long been a go-to tool for savers looking to earn a little extra interest on cash reserves while keeping funds accessible. But the role it plays can shift dramatically as you move from your working years into retirement.

A high-yield savings account has long been a go-to tool for savers looking to earn a little extra interest on cash reserves while keeping funds accessible. But the role it plays can shift dramatically as you move

10/24/2025

When people think about retirement, they often imagine years of relaxation and freedom. But for many retirees and pre-retirees, that vision comes with an underlying concern: what happens if the market takes a downturn?

When people think about retirement, they often imagine years of relaxation and freedom. But for many retirees and pre-retirees, that vision comes with an underlying concern: what happens if the market takes a downturn? Recessions are an

10/10/2025

What exactly is an RMD, what does it mean for you, and why is it so important to plan for it? Let’s break it down.

If you’ve spent decades building up your retirement savings in tax-deferred accounts, you may have heard the term Required Minimum Distribution (RMD). But what exactly does it mean for you, and why is it so important

10/03/2025

Hidden costs are the expenses that don’t make it into your retirement spreadsheet—but still show up in real life. Check out our blog for some tips to cover them!

https://epsteinandwhite.com/2025/10/03/hidden-retirement-costs-what-you-dont-plan-for-can-impact-your-finances/

09/18/2025

You’ve worked hard and saved diligently, and now you’re in retirement or on the doorstep of it... So why do you still feel uneasy?

https://epsteinandwhite.com/2025/09/18/i-think-i-have-enough-saved-why-am-i-still-worried/

09/11/2025

On May 16, 2025, Moody’s downgraded the U.S. sovereign credit rating from Aaa to Aa1, citing concerns over the nation’s rising debt and interest payment burdens. So what does this mean for you?

On May 16, 2025, Moody's downgraded the U.S. sovereign credit rating from Aaa to Aa1, citing concerns over the nation's rising debt and interest payment burdens.¹ This move follows similar downgrades by S&P in 2011 and Fitch

09/03/2025

Retirement is a new phase of life, and so is your tax situation. Knowing what counts as income and how it’s taxed can make a big difference in how long your money lasts.

Retirement is a new phase of life, and so is your tax situation. Knowing what counts as income and how it’s taxed can make a big difference in how long your money lasts. Below are some of the

08/26/2025

As a financial advisor, one of the most common questions I hear, especially from clients entering retirement, is: “What should I actually do with these savings I’ve amassed for retirement?”

Understanding the Shift from Accumulation to Income As a financial advisor, one of the most common questions I hear—especially from clients entering retirement—is: “What should I actually do with these savings I’ve amassed for retirement?” It’s a

08/21/2025

For the fourth time in a row, the Federal Reserve has decided to hold interest rates steady, keeping the federal funds rate at 4.25%–4.50%. If you’re retired or nearing retirement, the ripple effects of this decision are worth paying attention to.

For the fourth time in a row, the Federal Reserve has decided to hold interest rates steady, keeping the federal funds rate at 4.25%–4.50%.¹ On the surface, that might sound uneventful—but beneath the