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When we spend money, we’re doing more than simply buying things. We want to create feelings of happiness, satisfaction and well-being. But are we really spending our money in ways that achieve those results? The answer, unfortunately, is probably not. As one world-famous Japanese “tidying expert” might say, our spending habits don’t spark joy. The…

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Here’s an uncomfortable truth you need to accept: Someday—hopefully in the very distant future—you are going to die. The good news: You can make that moment easier on your heirs by taking a few simple steps. One of the best ways, financially, to prepare now for that time is to choose a person to be…

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Going through a divorce is never easy, especially when it comes to finances. However, working with a certified divorce financial planner can make the process go much more smoothly. They’re trained to provide key insight and assistance when it comes to your finances during a divorce, taking some of the burdens off your shoulders. The…

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Inheriting money comes with plenty of benefits. But an inheritance—even a big one—doesn’t automatically mean a worry-free life of ease. A windfall can actually create unique challenges and conflicts that become the root of significant problems for your heirs—and for you, too. The good news: You can take steps now to address potential issues related…

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The Internal Revenue Service announced that anyone who already took a required minimum distribution (RMD) in 2020 from certain retirement accounts now has the opportunity to roll those funds back into a retirement account following the CARES Act RMD waiver for 2020. The 60-day rollover period for any RMDs already taken this year has been…

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Stress testing can also be effective at identifying potentially big problems—or possibly huge mistakes—so you can make changes proactively. We believe stress testing should be a part of many people’s due process when vetting financial plans, products and services. In this month’s Flash Report, The Importance of Stress Testing Your Wealth Strategies, you’ll discover the…

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Hear our President, Kay Lynn Mayhue, CFP®, AEP®, RFC®, talk with Emily Boothroyd, JD, CFP® discuss the importance of being prepared and the documents that you may need to have on hand in case of an emergency. Should you have questions on your estate documents or are unsure of what to do, please give us…

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Although we must remain physically apart during this challenging time, we want to provide assurance that your Merit team will remain very much with you in the days and weeks ahead.  Not a moment goes by that we are not grateful for the trust and confidence you place in us.  Rest assured, in good times…

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As news continued to flood in last week, market participants did their best to judge the long-term impact of every single morsel which led to quite a volatile environment.  The news wasn’t all negative as 2 of the 5 days posted large gains.  In fact, Friday March 13th was one of the best 1-day gains…

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To keep you informed, we wanted to provide an update on Merit’s efforts to remain proactive and prudent regarding the developing Coronavirus situation. What actions is Merit taking regarding the supervision and monitoring of my investments? Our investment team is reviewing the markets constantly to provide your advisors with the most up-to-date information.  They continue to…

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