Merrick Financial Group

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Merrick Financial Group Above all else, we are committed to building long-term relationships based on trust, integrity and by becoming a valued resource to our clients.

We created Merrick Financial Group to provide members of law enforcement, their families, and the community with the resources they need to make sound decisions about their financial future. Built on the firm belief that members of law enforcement, so noble in their service to our communities, deserve the advantage of financial knowledge and personalized planning so they can make financial decisions with clarity, confidence and comfort. Since our inception in 2006, Merrick Financial Group has empowered thousands of law enforcement personnel through educational training seminars conducted at a variety of law enforcement facilities. In addition to active members, these trainings and complimentary financial reviews are also offered to retired members to assist them in maximizing their retirement benefits. Merrick Financial Group is an independent firm, whose financial professionals offer a full range of brokerage and advisory services as well as financial products to help their clients achieve their financial goals. Securities offered through Cetera Advisor Networks LLC member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.

How many years before you are ready to be β€œretired”?It’s one of the most important numbers yet.TIAA's 2026 longevity lit...
10/26/2026

How many years before you are ready to be β€œretired”?

It’s one of the most important numbers yet.

TIAA's 2026 longevity literacy research found that workers who expect a shorter retirement save less consistently than those who expect a longer one.

That makes sense, but it also means the people who assume their retirement will be short are the same ones who may be building portfolios with shorter time horizons.

Once someone has already reached 65, the numbers shift.

According to Social Security Administration data:

πŸ“Œ A 65-year-old man has roughly a 24 percent chance of living past 90

πŸ“Œ A 65-year-old woman's chances are higher, closer to 35 percent

πŸ“Œ For a 65-year-old married couple, there is about a 50 percent chance that at least one spouse lives past 90

The practical implication is not "assume you will live to 100."

It’s that a retirement income strategy built around the β€œaverage lifespan” often assumes a person will die on schedule. Most people do not.

If retirement is on your horizon, the question to ask is, "What happens to my income strategy if I live to 95?"

🦸 You Don't Need Superpowers to Retire with Confidence. You Need a Plan.Your career has been about protecting others. No...
10/26/2026

🦸 You Don't Need Superpowers to Retire with Confidence. You Need a Plan.

Your career has been about protecting others. Now it's time to focus on protecting your financial future.

Understanding your options before making important retirement decisions can make all the difference.

Join Merrick Financial Group for our Complimentary Tier 2 Retirement Planning Seminar.

πŸ“… Tuesday, October 27, 2026
πŸ•• 1800 hrs (6:00 PM ET)
πŸ’» Live via Zoom

For 20 years, we've helped Members of the Service navigate retirement through education, preparation, and personalized financial planning.

That's The Merrick Way.

πŸ‘‰ Reserve Your Spot:
https://www.merrickfinancialgroup.com/events/retirement-planning-seminar-tier-2-10-27-26

πŸ‘₯ Know someone approaching retirement? Share this post and invite your family, friends, and colleagues!

20 Years. One Standard. The Merrick Way.
Retire with Confidence.

πŸŽƒπŸ‚ Retirement Is About More Than Leaving the Job. It's About What Comes Next.More family traditions. More time together....
10/23/2026

πŸŽƒπŸ‚ Retirement Is About More Than Leaving the Job. It's About What Comes Next.

More family traditions. More time together. More opportunities to enjoy the moments that matter most.

The retirement you envision tomorrow starts with the decisions you make today.

Join Merrick Financial Group for our Complimentary Tier 2 Retirement Planning Seminar.

πŸ“… Tuesday, October 27, 2026
πŸ•• 1800 hrs (6:00 PM ET)
πŸ’» Via Zoom

We'll discuss pension options, Deferred Compensation, retirement income strategies, and preparing for life after retirement.

The Merrick Way means looking beyond your retirement date and helping you prepare for the life you want to enjoy.

πŸ‘‰ Register Here:
https://www.merrickfinancialgroup.com/events/retirement-planning-seminar-tier-2-10-27-26

πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Invite your spouse, family, friends, and colleagues to join us!

Plan Today. Live Tomorrow.

Trust & Will's 2026 Estate Planning Report found that 56 percent of adults don't have core documents in place, including...
10/22/2026

Trust & Will's 2026 Estate Planning Report found that 56 percent of adults don't have core documents in place, including:

πŸ“ A will: who gets what, and who is in charge of making it happen

πŸ₯ A healthcare directive (or living will): what you want if you cannot speak for yourself

✍️ Two powers of attorney, one for medical decisions and one for financial decisions, each naming a specific person

πŸ“„ A letter of instruction: the practical map to where accounts live, who your professionals are, and what your kids or pets need

The friction is that estate work forces a family to sit with mortality, name specific people for specific roles, and make decisions that feel too permanent to rush.

Without something in writing, though, families are left improvising during one of the most difficult moments of their lives.

Most say they fully intend to get to it, but too many put it off until it's too late.

Don't put it off. Talk to a financial professional who can help.

🏈 Every Winning Team Has a Game Plan. Does Your Retirement?You've spent your career making important decisions. Your ret...
10/20/2026

🏈 Every Winning Team Has a Game Plan. Does Your Retirement?

You've spent your career making important decisions. Your retirement deserves that same level of preparation.

Join Merrick Financial Group for our Complimentary Tier 2 Retirement Planning Seminar and learn how your pension, Deferred Compensation, and retirement income can work together.

πŸ“… Tuesday, October 27, 2026
πŸ•• 1800 hrs (6:00 PM ET)
πŸ’» Live via Zoom

For 20 years, The Merrick Way has been about educating Members of the Service, planning ahead, and preparing for life after the job.

πŸ‘‰ Register Today:
https://www.merrickfinancialgroup.com/events/retirement-planning-seminar-tier-2-10-27-26

πŸ‘₯ Please invite your spouse, family, friends, and colleagues!

20 Years. One Standard. The Merrick Way.

What happens to your cash flow when you stop earning a paycheck?The 2026 EBRI Retirement Confidence Survey caught someth...
10/19/2026

What happens to your cash flow when you stop earning a paycheck?

The 2026 EBRI Retirement Confidence Survey caught something interesting about that shift.

πŸ“Š Among workers, 33 percent say they turn to a financial professional for guidance.

πŸ“Š Among retirees, that number climbs to nearly 40 percent.

National Retirement Security Week (October 19–25 this year) is a reminder to check whether your strategy is evolving with your lifestyle priorities.

If retirement is within a few years, the practical step is not rebuilding the strategy today.

It's identifying the two or three moving pieces that are no longer theoretical, the day you stop working, and consider working with a financial professional who can help guide you.

Fidelity's 2025 wealth transfer study found that roughly 67 percent of parents age 55 and older have never told their ad...
10/16/2026

Fidelity's 2025 wealth transfer study found that roughly 67 percent of parents age 55 and older have never told their adult children what they will inherit, or whether they will inherit anything at all.

About 33 percent would prefer the kids are kept in the dark about the amount.

Their reasons should feel familiar:
βœ”οΈ Worry that a specific number will dampen a child's drive
βœ”οΈ Discomfort talking about money at all

The same study found:

Most adult children say they are ready to handle whatever they inherit and would rather shape things while their parents are still around to explain the "why" behind decisions.

Families who have inheritance strategies share some similar habits:

πŸ’¬ Kids know who the financial professionals are and how to reach them
πŸ’¬ Everyone knows where the estate documents are
πŸ’¬ They try to manage any surprises well ahead of time

So, do you tell your children or not?

There's no single right answer here.

Sharing exact numbers isn't necessary, but most families find that a broad discussion can help with priorities and expectations.

A mother in California picked up the phone and heard her daughter's voice, panicked, saying she'd been kidnapped and nee...
10/14/2026

A mother in California picked up the phone and heard her daughter's voice, panicked, saying she'd been kidnapped and needed money immediately.

What she'd heard wasn't her daughter. It was an AI-generated clone of her voice.

In a 2025 study, scientists found that when people heard a cloned voice, they correctly identified the voice as AI-generated only about 60 percent of the time.

The FBI attributed more than $890 million in 2025 losses to AI-enabled fraud, and voice cloning is one of the main drivers behind that number.

It is not only older adults being targeted. Younger family members get these calls too, often framed as a sibling or friend in trouble. Older adults just tend to lose the most per incident.

Two ways to protect your family.

πŸ” Agree on a private code word or question with the people a scammer is most likely to impersonate (kids, parents, spouse)

πŸ“ž If a call like this comes in and you have not set up a code word yet, hang up, then call the real person back

When in doubt, slow down and verify.

You don't need superpowers to retire with confidence. You need a plan.Your retirement decisions are too important to lea...
10/13/2026

You don't need superpowers to retire with confidence. You need a plan.
Your retirement decisions are too important to leave until the last minute.
Understanding your pension, Deferred Compensation and retirement income options before you have to make final decisions is a major part of preparing for what comes next.
Join Merrick Financial Group for our upcoming Complimentary Tier 2 Retirement Planning Seminar.
πŸ“… Tuesday, October 13, 2026
πŸ•• 1800 hrs (6:00 PM ET)
πŸ’» Live via Zoom
For 20 years, we've helped Members of the Service prepare for retirement through education, planning and ongoing support.
That's The Merrick Way.
Register Today
Know someone approaching retirement? Share this post and invite your family, friends and colleagues to join us.
Retire with Confidence.
Plan Today. Live Tomorrow.

For some, the second Monday in October marks Columbus Day, a commemoration of exploration and its role in shaping Americ...
10/12/2026

For some, the second Monday in October marks Columbus Day, a commemoration of exploration and its role in shaping American history.

For others, it’s Indigenous Peoples' Day, a time to honor the cultures, histories, and contributions of Native communities.

Both observances point to something worth sitting with: how differently history can be remembered and how many perspectives make up a single story.

Address

1840 Merrick Avenue
Merrick, NY
11566

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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