Services

YOUR NEEDS COME FIRST

When you meet with us, we design a custom plan to help you successfully reach your retirement goals. Our team of professionals achieves this by taking an all-encompassing, 360-degree look at every aspect of your financial stability.

It’s important that we review your entire financial picture to develop the most effective retirement game plan possible. Combining asset management services with insurance products, our team can provide strategies to help you reach your goals. We will work with all the players (estate attorneys, Medicare specialists, and tax attorneys) to create your customized plan.

The end goal is simple: your success and happiness.

We offer the following financial services:

  • Retirement Income Strategies
  • IRA & 401(k) Rollovers
  • Tax-Minimization Strategies
  • Wealth Accumulation Assistance
  • Life Insurance
  • Asset Protection
  • Long-Term Care
  • Annuities

In addition, we work in conjunction with professionals in the following areas:

  • Trusts
  • Estate Planning
  • Probate
  • Tax Planning
  • IRA Legacy Planning
  • Charitable Giving

What’s Your Retirement 360 Game Plan™?

Find out now

A FIDUCIARY PARTNER THAT TRULY CARES

What is a fiduciary?  Investment advisors who are regulated by the SEC or state securities regulators are bound to a fiduciary standard that requires them to always put their client’s needs above their own.

The Fiduciary vs. Suitability Standard. While these terms may sound similar, they are not the same.

Fiduciary Standard

  • Must place their interest below that of the client.
  • Are prohibited from buying securities for their account prior to buying them for a client.
  • Must do their best to make sure investment advice is made using accurate and complete information.
  • Must avoid or disclose ANY conflict of interest.

Suitability Standard

  • Suitability means only having to make consistent, not mandatory, recommendations with the best interest of the underlying customer.
  • The suitability standard only requires that the advisor reasonably believes that any recommendations made are right for the client.
  • Advisors can participate in excessive trading to generate more commissions and create more income for themselves.
  • Advisors do not have to disclose any conflicts of interest.
  • Advisors who are commission-based may be incentivized to sell their own products, not necessarily competing products, that might be lower in cost.

What does the fiduciary standard mean for me? At Mercurio Wealth Advisors, we are held to a fiduciary standard, meaning that we provide holistic investment advice and always act in our clients’ best interests.