Mercer Advisors

As a Wealth Advisor at Mercer Advisors, I help clients take control of their financial future by bringing together a team of specialists—financial planners, investment managers, tax pros, and estate strategists. We work as one to create personalized plans that help simplify and optimize every aspect of their finances, from growing wealth to planning for the future. My goal is to make financial decisions easier and more effective so clients can focus on what really matters to them.

Wealth Advisor

Correct Capital Wealth Management

I served as a financial planning specialist, working with families on meeting their short-term and long-term goals. 

In addition I helped lead employee education in our 401(k) plans and provide one-on-one advice for our plan participants.

Financial Advisor

Retirement Plan Advisors

Focusing on governmental employees and their families, I assisted in building financial plans for hundreds in the St. Louis area. Balancing pensions, Social Security, medical costs and more, we helped bring peace to many who were worried about their financial futures. 

Worked as an advisor on 457(b) and 401(a) plans, designed employee education presentations and providing one-on-one financial planning advice to our public servants.

Nationwide Financial

Provided investment guidance and education to participants of governmental retirement plans in Missouri and Illinois. Selected as the 2015 Midwest Public Sector Rep of the Year and qualified for our Leaders Conference twice. Member of the Field Advisory Council, facilitating discussions between home office leadership and field staff.

Retirement Specialist

Six Row Brewing Company

Completed a two-month internship in craft brewery procedures and development while working side-by-side with the head brewer and assistant. Trained in beer transfer process including sanitation and the use of fermenters and brite tanks. Aided head brewer in the development of new ideas and provided daily suggestions that resulted in new cask night proposals and beer naming. Experienced in keg cleaning and filling as well as organizing for keg distribution. 

As a bartender, my duties included serving customers, monitoring staff and performing closing duties.

Production Assistant

Edward Jones

Assisted U.S. financial advisors with distribution and rollover questions regarding retirement accounts, including IRS rules, tax withholding, penalty exceptions, required minimum distributions and Roth conversions. Was on a select team of Specialists that was trained to answer questions regarding Social Security and Medicare.

Assisted on a long-term project to provide enhancements to internal systems regarding the calculation of required minimum distributions. Performed webinars for staff around the U.S. regarding the handling of distributions and was a subject matter expert on the topic.

Edward Jones, Retirement Services

Aided a special project regarding new regulations from the Department of Labor involving ERISA-qualified retirement plans. Leader on the team in calls taken, average call time and service requests handled. Making outbound and accepting inbound phone calls from branches to guarantee compliance.

Customer Service Representative

In-bound call center representative that handled over 10,000 calls after being hired from a contracted position. Performed mutual fund exchanges with a Series 6 license. Instituted changes to contact center procedures that helped maintain productivity and increased efficiency during periods of increased volume. My recorded phone conversations are used as examples to new clients and models to new representatives.

Senior Financial Services Support Representative

614 Media Group

Weekly magazine available around the campus community of The Ohio State University with a circulation of 18,000. Often a featured writer of local news and university sports. Creator of the video game review section, "Game Boy."

Freelance Sports/Review Writer

Hi! I’m Colin. Nice to meet you. 👋

My work as a wealth advisor has helped thousands of individuals make better decisions as they prepare for life's most difficult situations:

🏖 Preparing for retirement
👨‍👩‍👧‍👦 Transitioning to empty-nesters
💼 Preparing for a career change
🏬 Launching a business

Regardless of how you got here, I’m flattered that you’re here, and I’d love to help you on your financial journey. 

While many can DIY their way to make financial decisions, many prefer to work with someone who has helped coach hundreds of individuals and couples.

If you’re the latter, we should chat!

Take some time to get to know me. There’s no better way than by looking at what I’m up to:

📷 Instagram: @colindaytoday
🌎 www.linktr.ee/colindaytoday

Engineers? Love working with them.❤️

They ask the tough questions, chase improvement, and actually care about their money.

Attorneys? Let’s just say… I’ve seen more six-figure salaries vanish into thin air than I can count. 

Stress + long hours = money gets ignored.

If that sounds like you, it’s not a knock. It’s a signal. The right financial plan can give you back time, control, and confidence.

Clip from @theovon

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.
@colindaytoday

Colin Day, CFP®, EA, MBA

Helping you use your wealth now, not just in retirement.

Figure out your breakaway number. 🔢

It’s the amount of cash you’d need to comfortably step away for a while without touching your retirement accounts.

Here’s the simple math:

1️⃣ Average your last 3 months of non-discretionary expenses (that’s things like rent, food, insurance, gas — the essentials).
2️⃣ Then multiply that number by however many months you’d like off.

Example: $7,000/month x 6 months = $42,000.

That’s how much you need set aside to confidently take a break, change careers, or just breathe for a while.

It’s not “quitting.” It’s buying time and clarity.

Would you take the leap if you had your number?

#colindaytoday

Clip from @peacock

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

$100k isn’t middle class everywhere.

A six-figure salary in San Francisco might barely keep you above water, while the same income in Kansas or Arkansas could set you up for serious savings and long-term wealth.

That’s the real lesson: it’s not just about what you earn, it’s about what you keep.
Higher salaries on the coasts often get eaten up by housing, groceries, and lifestyle inflation. In lower-cost states, you might earn less, but you can save and invest far more.

Sometimes the best financial strategy isn’t chasing the biggest paycheck. It’s choosing a location that lets you build freedom for the future.

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

Clip from @calebhammercomposer

Data from 2023 U.S. Census Bureau report: Household Income in States and Metropolitan Areas.

Think your 17-year-old is expensive? 

Wait until tax season.

That’s the year the Child Tax Credit - worth up to $2,200 per child - vanishes. Suddenly, your refund shrinks or your tax bill jumps, and parents everywhere are left scratching their heads.

The replacement? 

The Credit for Other Dependents, which is just $500. The silver lining is that it lasts until your child is 24 if they’re a full-time student, but let’s be honest, it’s not the same.
Understanding these shifts early can help you plan ahead, budget smarter, and avoid those “surprise” April headaches.

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

You should always seek advice from your professional network, including tax advisors, attorneys, and wealth advisors. This video is for informational and education purposes only and is not intended as tax advice. 

The $2,200 child tax credit and the $500 credit for other dependents are figures for 2025.

Thinking about Coast FIRE? 🌊🔥

If you save early and often - sometimes more than 50% of your pay for 15-20 years - you can stop contributing so heavily and instead allow your investments to fully fund your retirement later.

For example, if you’re 40 and want to retire at 65 with $2M, you might only need about $400,000 invested today (assuming 7% annual growth). From there, you could stop saving and just cover your expenses through work you actually enjoy.

But remember… it’s about coasting toward financial independence while reclaiming your time and energy. 

Maybe that means switching careers, starting your own thing, or taking a long break. Either way, it’s freedom on your terms.

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

Here’s a smarter approach: 

Focus less on ‘what’, and more on ‘where’. 

That’s called ✨asset location✨.

Here’s an example: 

➡️Hold your bond funds and dividend-paying stocks inside tax-deferred accounts like your IRA or 401(k)
🟠🟠 Income isn’t taxed each year. 

➡️Keep your growth-oriented index funds in a taxable brokerage account. 
🟠🟠They’re more tax-efficient and you control when to realize capital gains.

Placing the right types of investments in the right accounts (like IRAs, Roths, or brokerage accounts) can reduce your tax drag.

True “safe” investing isn’t about avoiding volatility.

It’s about keeping more of what you earn.

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

This video is for educational purposes only. Securities described are not an endorsement or suggestion for any one particular product. Please consult your tax, legal, and investment professional before making financial decisions.

Your legacy is lessons - not just money.

If you’ve ever worried whether your children will make the right decisions with what you leave them, you’re not alone. 

Wealth without understanding can vanish quickly. That’s why the most important inheritance isn’t in an account but in the conversations and education you give them along the way.

👨‍🏫 Teach them about debt
🧾 How to budget
📈 How to invest

These lessons build confidence, judgment, and long-term resilience.

This is a conversation to have with your spouse, and eventually with your kids. It’s about creating a legacy that lasts generations.

Because the ultimate goal isn’t just passing down money. It’s passing down the tools, knowledge, and wisdom that let your kids carry it forward responsibly.

Your wealth can open doors, but your guidance ensures they walk through them with confidence.

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.
@colindaytoday

What if your 401k match disappears tomorrow?

If your employer stops matching your 401k, don’t panic; it happens more often than you think. 

Companies pause matches during tough times to cut costs, but that doesn’t mean you should pause your own savings.

Here are a few things to consider:

Keep contributing – consistency matters more than the match, and you can continue to get tax deductions or build your Roth portfolio

Open a Roth IRA – build tax-free retirement income outside of your job

Use a brokerage account – adds flexibility for goals before retirement

Your company might restart the match later, but your financial future can’t wait.

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

Please note: not all 401k matches are discretionary! Check your plan document to determine if your plan features a discretionary match from your employer. Other plan types might make it harder for your employer to stop contributing… which benefits you, the employee!

Follow the money…

If you’re feel stagnant, stressed, or alone, you likely have a money problem.

Instead of allowing it to consume you, use this as a reason to ACT AGAINST IT.

Take back the power: develop a plan, and start it now. 

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

Most people think investing costs you more in taxes.

But the opposite can be true.

That money sitting in your high-yield savings account could actually result in more taxes than in your brokerage account (ouch).

And that’s because many lack the education to help you understand how your investments affect your tax bill. 

Smart investing isn’t just about growing your money… it’s about keeping more of what you earn.

Your money should work hard, not your tax bill.

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

This video is for educational purposes only. Securities described are not an endorsement or suggestion for any one particular product. Please consult your tax, legal, and investment professional before making financial decisions.

Passive income sounds great…

…until you see the fine print.

Because not all “passive” strategies are created equal either.

Income-producing ETFs? Bigger tax bill.
Private notes? More risk and more potential tax.

My clients are more focused on deferring income or avoiding it altogether.

So here’s what I tell my clients: the simplest option is often the best. A high-yield savings account keeps cash productive, grows steadily, and stays liquid for when you actually need it is the only “income producing” security we want in your portfolio if we can help it. 

This way you preserve your wealth for tax years when you’re at a lower income, or by intelligently scheduling your taxes to be predictable across your lifetime. 

Sometimes boring is better!

Clip from @braidenshaw

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

People sure do love to shame spending.

But here’s the truth: if you’re saving enough, paying down debt, and handling taxes responsibly, I don’t care if you fly first-class once a year or use your money on health supplements.

Your financial health isn’t defined by avoiding lattes or vacations; it’s defined by hitting your savings goals and keeping your financial foundation strong.

Money isn’t just about restriction, but freedom. 

Freedom to spend on the things you enjoy, without guilt, because you’ve already taken care of the big stuff.

Don’t let anyone make you feel “wrong” for how you spend. Focus on what really matters.

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

Clip from @garyvee (edited for time… and swear words)

Is gam gam bailing you out? 

Most of us don’t get that luxury.

If you actually want to build wealth, start by controlling your debt. Every dollar not owed is a dollar that can grow toward your goals.

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

Sometimes a referral works in your favor.

And sometimes, that referral sets you back further than where you started.

After 6 weeks of physical therapy for my back, I felt like I wasn’t getting anywhere.

Every week was the same thing:

✅ Talk about the old exercises that don’t work
✅ Do some new exercises that will hopefully work
✅ Go home and do them for a week
❌ Come back for another appointment where nothing’s improved, and in fact, my back felt worse

But the worst part isn’t the lost sleep (which is in the 100s of hours at this point).

It’s the *lost trust* in the person who referred this physical therapy practice to me.

As Wealth Advisors, our clients’ referrals are a huge momentum swing - because we risk losing both the prospective client AND our client depending on how we handle the situation. 

It’s why I take every referral seriously and make sure every party - both the referrer and the referee - knows how much it’s appreciated. 

I can always find someone else to help me with my back. 

But when it comes to your financial well-being and jeopardizing your financial future… that’s a little harder to bounce back from.

Worried your kids won’t afford a home one day?

Help before it’s too late.

Parents, we can’t control housing prices or student debt. But we can prepare our kids for what’s ahead.

For some it’s being involved so they can find meaningful employment, and for others it will be providing them with a nest egg to get them started post education. 

But the real question for you to answer is…

Would you rather invest time now to build their skills, or save more money now to bail them out?

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

Before you leave for vacation, do one quick thing.

(It’ll take two minutes and help you relax more.)

Log into your 401(k) and check your beneficiaries.

So many people forget to update after a divorce, or a marriage, or the birth of a kid.
If that’s you, fix it now.

And while you’re at it, check your other assets: banking, investments, home, cars. They all need to be changed as well.

Then? Close the laptop.

Go enjoy your trip knowing your family’s protected.

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you’re looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

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