The following report is a diagnostic tool intended to review your current financial situation and suggest potential planning ideas and concepts that may be of benefit. The purpose of the report is to illustrate how accepted financial and estate planning principles may assist you in meeting your stated investment goals. This information is prepared by an unrelated, independent third party, eMoney Advisor LLC, and is provided for informational purposes only. Mercer Global Advisors Inc. ("Mercer Advisors") believes the information to be reliable but does not guarantee the accuracy or completeness of the information provided.
In conjunction with the services provided by eMoney, Mercer Advisors may also provide access to account aggregation services, which can incorporate all of the client’s investment assets, including those investment assets that are not part of the assets that Mercer Advisors manages (the “Excluded Assets”). The client and/or his/her/its other advisors that maintain trading authority, and not Mercer Advisors, shall be exclusively responsible for the investment performance of the Excluded Assets. In addition, eMoney will also provide access to other types of information, including financial planning concepts, which should not, in any manner whatsoever, be construed as services, advice or recommendations provided by Mercer Advisors. Mercer Advisors does not provide investment management, monitoring or implementation services for the Excluded Assets. As such, excluded assets will not be included in Mercer Advisors’ books and records. The client can engage Mercer Advisors to provide investment management services for the Excluded Assets pursuant to the terms and conditions of the Investment Advisory Agreement between Mercer Advisors and the client.
This report is based upon information and assumptions provided by you (the client). The reports and graphs are dependent on the quality and accuracy of data furnished by the client. Any changes in, or inaccuracy of, the information you have provided to us may affect the information presented in this report. This report provides broad and general guidelines on the advantages of certain financial planning concepts and does not constitute a recommendation of any particular technique. This report is provided for informational purposes as a courtesy to you. We recommend that you review your plan annually unless changes in your personal or financial circumstances require more frequent review. All reports should be reviewed in conjunction with your fact summary and this Disclaimer page.
Additionally, this report may not reflect all holdings or transactions, their costs, or proceeds received by you. Prices that may be indicated in this report are obtained from sources we consider reliable but are not guaranteed. Past performance is no guarantee of future performance, and it is important to realize that actual results may differ from the projections contained in this report. The presentation of investment returns set forth in this report does not reflect the deduction of any fees or commissions. Projected valuations and/or rates of return may not take into account surrender charges on products you might own. They will reflect any fees or product charges when entered by the advisor/ representative. Deduction of such charges will result in a lower rate of return. It is important to compare the information on this report with the statements you receive from the custodian(s) for your account(s). Please note that there may be minor variations due to calculation methodologies. If you have any questions, please contact your Mercer Advisors Wealth Management Team. Also, your account(s) may not be covered by FDIC or SIPC. FDIC and SIPC coverages apply only to certain assets and may be subject to limitations. Questions about coverage that may apply should be directed to the asset provider or sponsor.
The term "plan" or "planning," when used within this report, does not imply that a recommendation has been made to implement one or more financial plans or make a particular investment. Nor does the plan or report provide legal, accounting, financial, tax or other advice. Rather, the report and the illustrations therein provide a summary of certain potential financial strategies. The reports provide projections based on various assumptions and are therefore hypothetical in nature and not guarantees of investment returns. You should consult your Mercer Advisors Wealth Management Team before implementing any transactions and/or strategies concerning your finances.
The information contained in this report is not written or intended as financial, tax or legal advice. The information provided herein may not be relied on for purposes of avoiding any federal tax penalties. You are encouraged to seek financial, tax and legal advice from your professional advisors regarding any legal, estate, or tax implications of the information presented in this report. In providing this report and the plan, Mercer Advisors is not providing tax and/or estate planning advice. Should you need tax and/or estate planning advice you should seek that from an attorney and tax professional.
The report may provide an analysis using Monte Carlo simulation, to fully understand you are reminded to go to the Monte Carlo Assumptions page(s). Reviewing the Assumptions section initially, will enhance the clarity of the results reported in the Monte Carlo Simulation and give you a more comprehensive understanding of the content. The projections or other information generated by the Monte Carlo simulation regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time. Calculations are based upon market index and growth rate assumptions in your financial plan. Other investments not considered might have characteristics similar or superior to those analyzed. The accuracy of any calculated estimate generated in a Monte Carlo analysis is severely limited by the accuracy of the underlying capital market assumptions, however, the analysis is valuable in providing you as the client with the information to determine how best to invest in the future to increase your likelihood of meeting financial goals. Each client’s results depend upon individual factors which a simulation does not account for, such as how investment decisions are implemented in reality and the costs of investing. A simulation may not capture how asset classes fall in and out of favor over time. These factors can influence a client’s results materially.
Mercer Global Advisors Inc. is registered with the Securities and Exchange Commission and delivers all investment-related services. Mercer Advisors Inc. is the parent company of Mercer Global Advisors Inc. and is not involved with investment services.