Retirement Coach's Corner

Retirement Coach's Corner

Financial and retirement planning guidance from the team at Mercurio Wealth Advisors in Louisville, Kentucky. Join Chief Financial Advisor Alan Mercurio and Senior Wealth Advisor Troy Bolton each show for helpful conversations about money, life, and retirement. Step into the Retirement Coach's Corner to learn about 401(k)s, IRAs, income planning, investing, and so much more. If you have any questions, call 502-253-9366, email or visit online for more information.


May 18, 2023 15 mins

There are many mistakes that you don’t want to make when it comes to retirement planning. We’re back to continue talking through common money mistakes to avoid in part two of this episode series. One of these mistakes can cost you thousands, if not...

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Unfortunately, we all make mistakes from time to time. After years of working as financial advisors, Alan and Troy outline five of the most common mistakes people make with money. Building a strategy ahead of time can help you avoid these mistakes ...

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April 6, 2023 16 mins

People like to change their goals sometimes, whether they realize it or not. Today we talk about common ways people move the goalposts in their financial lives. Should your goals move and what happens when they do? 

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What happens when a bank fails? If you’ve been watching the news lately, you may have noticed a lot happening around the Silicon Valley Bank and then Signature Bank. These are specific banks that cater to a specific client. How might these recent c...

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 It’s time to open up the mailbag and find out what’s on your mind when it comes to financial planning. In this episode, we’ll cover five different topics that impact both pre-retirees and retirees and we’ll coach you through ...

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After being discussed in Congress for nearly a year and a half, the SECURE Act 2.0 passed in January. You may or may not have seen the news, but it’s important to be aware of the changes enacted by the new legislation. Read more

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To continue our retirement preparedness list, we pick up where we left off from last time and add five more important things to the list. Are you prepared for retirement? Make sure to review these questions with your financial advisor to ensure your retirement is as successful and stress-free as possible.

Here are the questions you’ll want to ask yourself in regards to retirement:

  • Do I have a plan to combat inflation? (2:07)
  • A...
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Whether or not you’ve made any New Year’s resolutions yet, right now is a good time to look ahead financially. We go over a checklist for retirement preparedness as you formulate your retirement plan. Do you know the answers to these questions?

Here are the first five questions you should be asking:

  • Do I know how much income I need every month? (1:46)
  • Which account should I withdraw from first? (3:27)
  • Do I know the ideal time ...
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November 22, 2022 19 mins

As the saying goes, “the grass is always greener on the other side.” If that’s the case, how can you tell if it’s time to find a new financial advisor or if you’re just imagining things might be better elsewhere?

Alan and Troy talk through when and why you might want to find another financial advisor and when it might make more sense to stay with the advisor you have.  

Here are some of the reasons people tend to wonder if they sho...

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November 17, 2022 17 mins

What does it look like to finish the race strong when it comes to retirement? In running, marathons are considered one of the ultimate races to run.

Today we talk about the similarities between retirement planning and running a marathon. From preparing ahead of time to crossing the finish line successfully, Troy and Alan are here to coach you through it.

Here are some of the similarities between marathons and retirement:

  • A lot...
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October 27, 2022 15 mins

When you are on a team, it’s important to build a sense of trust and understanding of one another. Troy and Alan are financial advisors and retirement coaches, but there’s a lot more to know about them. On today’s show, we hear more about what their lives look like and what their outlook is for the future.

Here are the questions we answer from the mailbag:  

  • What would we do if we could foresee the future? (1:27)
  • What takes up...
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October 20, 2022 17 mins

Wondering what to do about the market right now? Troy and Alan coach three different people through their investment decisions. From when to become more conservative in your investments to using a Roth 401(k) option to retiring early, you’ll want to hear what they have to say on today’s show. How would Troy and Alan build a plan around these people and their unique situations?

Here are the questions we answer from the mailbag:  

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September 1, 2022 12 mins

Instead of kicking the can down the road, we talk about why people procrastinate putting together a financial plan. Ready to get started?

Do you ever put something off too long? A lot of people procrastinate when it comes to retirement planning, too. Why is that? Today we talk through the reasons people put off retirement planning and how to overcome these hurdles.

You might say, “It worked out for my parents.” Comparing yourself t...

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We’ve all heard a few different rules of thumb when it comes to retirement planning. Are they worth following? Alan and Troy weigh in on what advice to take to heart and which of these rules of thumb don’t pan out.

Let’s start with the rule of 100. This takes your age and your risk tolerance into account. Subtract your age from 100 and theoretically, that’s how much risk you should have in the market. Seek out a fiduciary to see i...

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There is so much career change happening for so many people right now. Finding yourself between jobs can be stressful, whether that’s because you were laid off or needed to step away. Today we’ll talk about the challenges, opportunities, and questions to ask when you find yourself between jobs.

One question you might ask is, is it time for a new career? The last couple of years a lot of people have asked this question. For those c...

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Going through a divorce at any age is difficult. If you are near retirement or in retirement, there are some additional financial complications you’ll want to consider amidst the divorce.

For starters, many women will choose to keep the house. Their home may feel more sentimental or an area of comfort. If that’s your choice, just make sure you know the ramifications of that to make sure it’s a fair agreement. A house won’t provide...

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Sometimes the biggest thing holding you back is you. If you overthink something or act impulsively, it can have big implications on your financial plan. Let’s talk about the main areas where people tend to get in the way of themselves and what to do instead.

Are you feeling a little worried about the market at the moment? Alan and Troy share what they tell clients to focus on instead. Think about how much risk your plan can withst...

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June 2, 2022 18 mins

Is retiring at the age of 55 feasible? Inspired by an article from Yahoo Finance, Troy and Alan discuss what you need to do to make that dream a reality. Not everyone wants to retire this early, but some are dreaming about retiring as soon as today (or even better, yesterday). In order to make it happen, you’ve got to have the right plan in place.

When you retire early, you will face certain challenges you don’t want to overlook. ...

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May 19, 2022 20 mins
What do you need to know about required minimum distributions? Are they inevitable or is there something you can do about them?


What we discuss in this episode: 

0:29 - Troy and Alan are back together!

1:28 - Do you know what RMDs are?

4:16 - RMD age changed to 72.

9:43 - Can you avoid taking RMDs?

14:38 - What do you do if you don’t need the RMD?


Get additional financial resources here:

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We don’t think as much about birthdays as we get older, but we should all be paying attention to certain ages when planning for retirement. You might already be familiar with a couple of the ages we discuss on the show today but we’ll share a few planning opportunities that many people might not be aware of.


What we discuss in this episode: 

0:49 – Working with advisor out of your market

2:11 – Age 50

4:03 – Age 55

5:07 – Age 59....

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