Merrick Financial Group

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 decisio

ns 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.

👉 Roughly 56 percent of IPOs bought at the offer price lost money after 3 years.That's not the headline you see on day o...
09/02/2026

👉 Roughly 56 percent of IPOs bought at the offer price lost money after 3 years.

That's not the headline you see on day one.

You see the first-day pop. The company goes public, and its stock has averaged a 19 percent gain since 1980. Feels like a moment you should catch.

Here's what actually happens:

1️⃣ Institutional investors get the offering price before trading opens.

2️⃣ You buy at market open, after the move.

Then the real story starts.

🔎 This gap is based on research led by Professor Jay R. Ritter, who authored a 2026 report on IPO performance for the University of Florida. His analysis of 9,300 U.S. IPOs is one of the most comprehensive databases available.

Chasing IPOs can provide a thrill, but there are pros and cons.

A sound portfolio should reflect an investor's goals, risk, and time horizon. The risks of an IPO are not for everyone. 🎯

📋 Past performance does not guarantee future results. The return and principal value of IPOs and other stocks will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost.

Two retirees can earn the same average return and have very different outcomes.Why?Because in retirement, timing matters...
08/27/2026

Two retirees can earn the same average return and have very different outcomes.

Why?

Because in retirement, timing matters.

An early market downturn in retirement can be more damaging than the same downturn later.

That is the sequence-of-returns risk.

The risk is not simply “the market went down.” It’s “the market went down while income still had to come out.”

A strong retirement strategy should look beyond average returns and address:

🔹 Where income will come from
🔹 How much cash or short-term reserves make sense
🔹 Which accounts to draw from first
🔹 When to rebalance
🔹 How RMDs and Social Security fit into the withdrawal strategy

Sequence-of-returns risk does not make many headlines.

But for anyone entering retirement, it can be one of the most important ideas to understand.

The goal is not to predict the next downturn. It’s about being prepared.

By 2030, women are expected to control nearly two-thirds of private wealth in the United States, representing roughly $3...
08/26/2026

By 2030, women are expected to control nearly two-thirds of private wealth in the United States, representing roughly $30 trillion, according to a landmark 2020 study by McKinsey & Co.

That shift is already underway.

More women than men now graduate from college. Women-owned businesses generate more than $2.7 trillion in annual revenue.

And because women statistically live longer than men, many also manage the final, and often most complex, chapter of a family’s financial life.

The numbers tell an important story:

🔸 Women make or influence a growing share of household financial decisions.

🔸 Yet many still report feeling less confident, less heard, and less well served by traditional financial preparation.

🔸 That gap isn’t about ability. It is about whether the guidance, questions, and process reflect the realities of modern wealth.

Today is Women’s Equality Day.

A financial strategy should reflect the life being built and the goals that matter most for women and men alike: family dynamics, longevity, business ownership, caregiving, legacy, and the financial decisions that shape what is possible.

Does yours?

There is usually no single moment when the roles begin to shift with aging parents.A confusing medical bill.A missed pay...
08/25/2026

There is usually no single moment when the roles begin to shift with aging parents.

A confusing medical bill.
A missed payment.
A scam text that almost got clicked.

When and how do you step in without taking over?

The goal is not to take control.

The goal is to make sure helpful people, information, and safeguards are in place before decisions have to be made under pressure.

One potential conversation starter you could try…

“We are reviewing our own estate documents and realize we should understand where everything is.”

Sometimes, that is enough to open the door.

The families who tend to feel best about how this chapter goes are the ones who approached it as a proactive exercise rather than a response to a problem.

We are glad to be part of that process at whatever stage a family is ready to begin.

☕ Retirement should be about enjoying what comes next—not wondering whether you planned enough.You’ve worked for years t...
08/24/2026

☕ Retirement should be about enjoying what comes next—not wondering whether you planned enough.

You’ve worked for years to get here. Before you make your final retirement decisions, take the time to understand your options and how they fit into your complete financial picture.

Join Merrick Financial Group for our Complimentary Tier 2 Retirement Planning Seminar and start preparing for your next chapter with greater confidence.

📅 Tuesday, August 25, 2026
🕔 1700 hrs (5:00 PM ET)
💻 Live via Zoom

We’ll cover:

✔ The Tier 2 Retirement Process
✔ Pension Options
✔ Deferred Compensation
✔ Retirement Income Strategies
✔ Planning for Life After Retirement

👉 Reserve your spot:
https://www.merrickfinancialgroup.com/events/retirement-planning-seminar-tier-2-8-25-26

👥 Know someone else thinking about retirement? Please invite and share with family, friends and colleagues.

You’ve worked for your retirement. Now plan for how you want to live it.

Plan Today. Live Tomorrow.

🌅 What do you want retirement to look like?More time together. More travel. More sunsets. More freedom to enjoy the life...
08/22/2026

🌅 What do you want retirement to look like?

More time together. More travel. More sunsets. More freedom to enjoy the life you’ve worked so hard to build.

Planning for retirement isn’t only about choosing a retirement date. It’s about understanding how your pension, Deferred Compensation and other assets can work together to support the future you envision.

Join us for Merrick Financial Group’s Complimentary Tier 2 Retirement Planning Seminar.

📅 Tuesday, August 25, 2026
🕔 1700 hrs (5:00 PM ET)
💻 Via Zoom

We’ll discuss the Tier 2 retirement process, pension options, Deferred Compensation, retirement income strategies and preparing for life after retirement.

👉 Register today:
https://www.merrickfinancialgroup.com/events/retirement-planning-seminar-tier-2-8-25-26

Planning retirement with someone? Invite your spouse or significant other to attend with you.

And please share the seminar with family, friends and colleagues who may also benefit.

Plan Today. Live Tomorrow.

As today is National Senior Citizens Day, we wanted to draw attention to something that can sometimes fall through the c...
08/21/2026

As today is National Senior Citizens Day, we wanted to draw attention to something that can sometimes fall through the cracks: the Medicare Part B late enrollment penalty.

Most don’t know that if you miss your Initial Enrollment Period (the 7-month window around your 65th birthday), Medicare tacks on a 10 percent surcharge to your monthly premium for every 12 months you delay enrollment.

No cap. No expiration date.

Delay two years, pay 20 percent more. Delay by five years, you pay 50 percent. Every month. For life.

How to manage it?

You are only exempt from this penalty if you qualify for a Special Enrollment Period (SEP).

This usually means you delayed signing up because you (or your spouse) were still actively working and had "creditable" health insurance through that active employer.

If you’re concerned, ask your financial professional where to find the most up-to-date Medicare information.

🦸‍♀️ You’ve spent your career protecting others. Now it’s time to take charge of your future.Retirement is a major miles...
08/21/2026

🦸‍♀️ You’ve spent your career protecting others. Now it’s time to take charge of your future.

Retirement is a major milestone—and understanding your options before you make important decisions can help you approach it with greater confidence.

Join Merrick Financial Group for our Complimentary Tier 2 Retirement Planning Seminar, created with Members of the Service in mind.

📅 Tuesday, August 25, 2026
🕔 1700 hrs (5:00 PM ET)
💻 Live via Zoom

We’ll discuss:

✔ Tier 2 Retirement Process
✔ Pension Options
✔ Deferred Compensation
✔ Retirement Income Strategies
✔ Preparing for Life After Retirement

Your next chapter deserves a plan.

👉 Register today:
https://www.merrickfinancialgroup.com/events/retirement-planning-seminar-tier-2-8-25-26

👥 Please share this invitation with family, friends and colleagues who may benefit from joining us.

Plan Today. Live Tomorrow.

Donating appreciated stock to charity has pros and cons. So, most donors still write the check.When you contribute appre...
08/19/2026

Donating appreciated stock to charity has pros and cons. So, most donors still write the check.

When you contribute appreciated securities directly to a donor-advised fund (DAF), you can manage capital gains tax on the gain and perhaps deduct the full fair market value.

The charity receives the full amount. Nothing is lost to taxes in between.

From there, you can focus grants to any eligible nonprofit on your own timeline. The funds can stay invested and may grow while you decide.

💡 If you're holding appreciated positions and giving is part of your strategy, how you give matters as much as how much you give.

📋 **Some donor-advised funds are considered mutual funds and are sold only by prospectus. The prospectus will provide information on charges, risks, expenses, and investment objectives and should be reviewed carefully before investing. Investment companies can provide a prospectus, or you may prefer to ask your financial professional.**

💡 Consider asking your financial professional to work with your tax, legal, or accounting professionals if a DAF sounds interesting.

Some professionals assume their financial strategy is in better shape than it is. Not because they're careless. Because ...
08/14/2026

Some professionals assume their financial strategy is in better shape than it is. Not because they're careless. Because they're busy.

Today is National Financial Awareness Day. Four questions worth sitting with:

▸ If something happened to you tomorrow, would your family know what you have, where it is, and what to do?

▸ Are you on track to replace your income in retirement, or are you assuming you will be?

▸ Has your financial strategy changed as much as your life has in the last 12 months?

▸ If markets dropped tomorrow, do you have written goals or a general sense of what you'd do?

You don't have to answer all four today. But if one made you pause, that's the one worth paying attention to.

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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