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Darla Mercado

Reporter: Insurance / Retirement Products

Darla Mercado

Darla Mercado writes about retirement issues and products, including taxes, annuities and 401(k) plans. She welcomes feedback and tips from readers on interesting topics. Outside of the newsroom, Darla spends her time inline skating, biking, running and swimming.

Recent Articles

New dad, new job

Dec 14, 2014

Last seven months have been about sacrifices in the name of getting to the CFP exam

Prepping for a busy tax season

Dec 14, 2014

Biggest challenge for this planner is anticipating questions a client might ask in a meeting and firing back with answers

Tuning in to clients' emotions

Dec 14, 2014

Young planner has picked up a wealth of technical knowledge on tax issues and retirement income while becoming closely attuned to the behavior of clients

Joan Rivers' estate planning gambit: A New York state of residence

Dec 11, 2014

Estate planning quirk that splits Ms. Rivers' state of residency and state of domicile catches experts' eyes

Congress set to pass bill giving SEC a budget boost, leaving DOL fiduciary rule alone

Dec 10, 2014

Amendment allowing cuts to pension benefits also in play

Financial planning issues wrapped into government spending bill?

Dec 8, 2014

Two issues of broad concern to advisers — fiduciary duty and pension cuts — might make their way into the appropriations bill Congress is expected to pass this week

Baltimore: A city being remade

Dec 7, 2014

A classic blue-collar town shifts to finance and university partnerships

How to avoid a tidal wave of taxes from IRAs

Dec 5, 2014

Pre-retirement planning strategies help reduce tax impact from required minimum distributions

Don't ignore estate planning for millennial clients

Dec 3, 2014

Here's what advisers should watch out for with younger investors

Accountants, advisers cautious on strategies as tax breaks remain elusive

Dec 2, 2014

Sometimes the best planning approach is to do nothing in an uncertain environment

Jackson National's variable annuity sales suspensions pay off

Dec 1, 2014

Advisers willing to wait to get into the carrier's VAs; if history is any guide first quarter sales will jump

Self-directed IRAs hold risks for financial advisers

Dec 1, 2014

NASAA warning highlights need for advisers to know the ins and outs of these accounts

Health savings accounts: Transforming health care, forcing hard choices

Nov 30, 2014

The dilemma for advisers: Helping clients who can't afford to save for retirement and health care

Tips to help make this year less painful for wealthy clients

Nov 30, 2014

From charitable giving to capital gains and Roth conversions, ways to ease tax bills

Advisers, clients prepping new playbook to handle American Taxpayer Relief Act

Nov 30, 2014

New taxes, higher tax brackets call for some fancy footwork by advisers and accountants seeking to mitigate effects of tax law changes

Rollovers of 401(k)s into pension plans gets government agency backing

Nov 26, 2014

With move, the Pension Benefit Guaranty Corp. clears the way for annuitization of the funds

Broker-dealers sound off as AIG leads off with first annuity for 401(k)s

Nov 25, 2014

Broker-dealers are interested but have many questions

Life insurers launching new variable annuities despite tepid sales

Nov 24, 2014

Slump in VA purchases clashes with historical notion that product sales mirror movement in the domestic stock market

DOL to review documents in 401(k) excessive fee suit

Nov 21, 2014

The Department of Labor will look for a possible ERISA violation after making an unprecedented petition to look at the case documents last summer

Supreme Court case could shake up union retiree benefits

Nov 13, 2014

For advisers, it's time to get familiar with the terms under which union employees receive health care