When Uncertainty Creeps in
It’s Hard to Fully Enjoy What You’ve Built
You hesitate to spend and miss out on the freedom you’ve earned.
The strategy that built your wealth may not be the one that best protects it now.
Taxes take more than they should not because of bad luck, but because of bad preparation.
Most advisors offer products, not plans forcing you into a one-size-fits-all retirement.
Healthcare inflation, Social Security concerns, convoluted rules (IRMAA, ACA, RMDs, and more) are adding complexity your parents never had to deal with.
You deserve more than a hope-it-works-out approach. You deserve a plan built for this chapter.
What Life Looks Like When You've Got a Plan That Fits
At Merit, we help you navigate life’s transitions with strategies built around your story. From income planning to tax-smart moves and legacy decisions, we meet you where you are and help chart a path forward that feels steady, clear, and personal. Whether your life has taken an unexpected turn or you're simply unsure what's next, we are here with the experience and empathy to guide you.
Your personalized plan can help with:
Personalized, Fiduciary Advice: Your plan is built around your goals, not sales quotas or cookie-cutter templates.
Transparent Cliff-based Structure Pricing: Our goal is to keep pricing simple, upfront, and aligned with your success. There are no planning fees, no hidden costs, and no surprises.
- This is a flat fee model, not tiered. For example, if you have $2,000,001 in assets, the entire amount is billed at 0.60%—not split between two rates.
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Assets Under Management of $2 million or more: 0.60% annual fee
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Assets Under Management under $2 million: 0.85% annual fee
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Disclosure: It is important to note that it is possible that different investment adviser representatives at Merit may charge different fees for providing the same types and level of service to clients. The specific level of services you will receive and the fees you will be charged will be specified in your asset management agreement.
A Plan That Grows With You: Your life changes. So should your plan. We adjust annually, optimizing for market growth, tax law updates, and spending flexibility.
You saved. You sacrificed. But now that you're here, it still doesn’t feel like “enough.”
We get it, and we have helped hundreds of families flip the script.
You're Just Getting Started
What to Expect Next with Us
We believe trust isn’t demanded, it’s earned. Our process gives you the clarity and confidence you need before ever making a decision.
- Discovery Call: A relaxed virtual meeting where we get to know you: your goals, your lifestyle, and what truly matters most.
- Retirement Diagnostic: You will receive a custom 45–60 minute video that breaks down where you stand today, and the planning moves that could take your retirement to the next level.
- Questions Call: A follow-up conversation to dig deeper, ask questions, and explore what comes next on your terms.
Let's get Started Building a Better Plan
No Sales Pitch. No pressure. Just a better plan. Fill out this form and someone from our team will follow up shortly.
Merit Financial Advisors exists to enrich the lives of those we serve.
Our mission is to revolutionize the client experience by building the RIA of the future.
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