WealthCare Investment and Insurance Now Representing WealthSmart America a National Insurance Agency
Mark A Mercurio
Founding Partner and National Marketing Director
6603 River Road, Prospect KY 40059
Phone 502-410-3465 Fax 866-381-4488
WealthSmart America is a different kind of financial services company built on foundation of safeguarding all Americans throughout the country with a strong commitment to integrity and education. We represent only the best financial products. Our partners are some of the largest, oldest, and most successful financial companies in the world.
To empower individuals, families and businesses across America to build and protect their wealth.
Our Values Experience
We trust our agents to always act honestly and responsibly in the best interest of our clients, knowing that accountability is best served through moral and ethical character and behavior. Integrity will be our guide compelling us to always do the right things for the right reasons.
Mark has worked in the insurance and investment industry since 2002 and in 2004, Mark expanded his practice into individual retirement planning for baby boomers and retirees to help clients best prepare for their retirement years. In 2011, Mark opened WealthCare Investments and Insurance to provide practical help for those preparing for retirement. In August 2014 Mark became a Founding Partner and National Marketing Director of WealthSmart America, a National Agency, currently with 14 locations nationwide. Mark has 22 agents in Kentucky, Indiana, Florida, Washington DC and Arizona and is growing everyday to serve their clients.
Mark resides in Prospect, KY with his wife, Lora of 40 years, and is involved in their local church, River Valley Christian Church, where he serves as a Deacon and organizations such as Dreams With Wings and Home of the Innocents. December of 2014 Lora and Mark opened a Non-Profit Organization, Youngstown Adult Township Convalescent Homes to support medically fragile individuals with developmental disabilities age 21 to 55. His passion is to help others meet their goals in life.
My job is to help you make the best decision possible for your family and to meet your needs, not just to sell you something that may or may not be suitable. I do this through a process of asking questions, finding out what type of problem we are trying to solve and then identify money that will solve that problem.
“Helping my clients to know what their expenses are is the first part of putting together your Retirement Profile. We will look at your income needs, social security, pensions, investments and other assets to see if you will have enough money to retire comfortably. That is my goal. I want to know how much liquidity you feel comfortable with, in other words how much cash you want on hand for emergencies. I will look at your risk tolerances, which is the amount of risk you are willing to take with your investable assets. Each investment product has a specific place and a specific purpose that can fit properly into your retirement planning but without a complete review of your personal situation, risk tolerance, income needs, tax situation, long-term care needs, and estate and charitable desires, no one can or should have an opinion on whether a specific product is right for You.
Historically, you may have purchased financial or insurance products and then later found out how they affected your tax and investment planning. The best course of action is to first discover your needs and build the proper plan just like you would if you were building a house. Learn the right questions to ask before you buy any financial plan or product for your future. Surveys of affluent Americans consistently tell us that their major frustration is their advisors should be more proactive about future issues that might affect their financial well being.
Discovering your needs and true desires is the first step to take. Often people have erroneously made their first step or concern the choice of investment products without this crucial Retirement Profile. My simple, easy to understand, Retirement Profile is a great way of helping you discover whether or not your current strategies match up with your plans. Most financial advisors focus only on helping you accumulate assets. My job is to help you look forward and cut future tax bills, if possible and help you avoid possible financial problems in your retirement years and your estate plan.
Below is what I consider the critical questions you should know the answer to before you move forward with any Retirement Planner.
Critical Questions to Ask
- What is YOUR Number, Not your total dollars but the percentage you need to make?
- Can I continue my present standard of living into my retirement years?
- When can I retire safely without running out of money?
- How could my situation change during turbulent economic times?
- How would it affect my family if I die prematurely?
- How would it affect my family if I enter a nursing facility?
- What are the possible solutions if my situation changes?
If you don’t know the answer to these questions and if your advisor
doesn’t know then you should find out why and give us a call.
As we plan for 2015, it’s important to look back at the trends and changing legislation to assist in making decisions going forward. There are five areas to keep a close eye on as you navigate 2015. CLICK HERE to learn more, or fill out the form above for instant access!