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Merit Financial Advisors

Founded Year



Corporate Minority | Alive

About Merit Financial Advisors

Merit Financial Advisors provides retirement planning services, wealth management, divorce & loss of spouse services, & independent advisory. Merit Financial Advisors was founded in 1998 and is headquartered in Alpharetta, Georgia.

Headquarters Location

2400 Lakeview Parkway Suite 550

Alpharetta, Georgia, 30009,

United States


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Merit Financial Advisors's Products & Differentiators

    Financial Planning

    Comprehensive financial planning

Latest Merit Financial Advisors News

Millennials with full-time jobs should do 4 things with their money if they're worried about a recession, says a financial planner

Nov 21, 2022

Financial planner Alex Alba at Merit Financial Advisors  says, "I don't think anyone knows exactly when the recession will be, or when the volatility of the stock market is going to end." However, says Alba, data points to the stock market "being back to normal and in the green" by late 2023 or early 2024. Keeping in mind that a recession would be a temporary and natural part of the economic cycle, here are four money moves Alba recommends for millennials who have full-time jobs. 1. Pad your emergency fund An emergency savings fund has three to six months' worth of living expenses typically held in a high-yield savings account . An HYSA allows you to access your cash easily if you get laid off from your job, get in a car accident, or face any other kind of emergency. Alba says it's more important to pad your emergency fund now than ever, especially if you're worried about layoffs. 2. Max out your company's 401(k) match A 401(k) is a company-sponsored retirement plan that lets you invest a percentage of your pre-tax paycheck in the stock market to grow passively until you retire. The company you work for might offer a 401(k) match , a percentage of your contribution that the company matches dollar-for-dollar and puts into your retirement account up to a certain dollar amount. For example, your company may offer a 401(k) match of 3% up to $3,000 annually. In that case, to max out your company match, you'd need to save at least 3% of your paycheck (or more depending on how much you make) to get the maximum match from your employer. Experts say taking advantage of a 401(k) match is one of the easiest ways to grow your money in the stock market. Alba says if you haven't maxed out your company's 401(k) match already, now's a good time to make that change. 3. Start maxing out your 401(k) deferral Another strategy that Alba suggests for millennials with full-time jobs is to max out your 401(k) deferral . A 401(k) deferral rate is the percentage of wages contributed to a 401(k) plan through your employer. According to tax laws, if you make an annual salary of $330,000 or less, you can defer up to $22,500 of your annual pay and put it in your 401(k). Each year, the maximum deferral rate changes based on the IRS' annual cost-of-living adjustments (COLA). This year, the IRS raised COLA by $2,000, from $20,500 in 2022 to $22,500 in 2023. For example, if you make $100,000 a year and contribute 3% into your 401(k), by the end of the year, you'll only be putting $3,000 into your 401(k) — $19,500 less than the 2023 401(k) deferral limit. Alba recommends working with a financial planner to gradually increase your contributions to max out the 401(k) deferral limit. 4. Invest outside of your 401(k) Alba says a recession is a great time to start investing outside of your 401(k) in a brokerage account because you'll get "discounts" on stocks. He adds that market volatility can reveal how much risk you're willing to tolerate as an investor, which will help you make better long-term financial decisions when investing in the market. He adds, "Besides stocks, there are also great ETFs and funds. In order to get the right investment mix, I think having a relationship with the right financial professional is hugely important."

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Merit Financial Advisors Frequently Asked Questions (FAQ)

  • When was Merit Financial Advisors founded?

    Merit Financial Advisors was founded in 1998.

  • Where is Merit Financial Advisors's headquarters?

    Merit Financial Advisors's headquarters is located at 2400 Lakeview Parkway, Alpharetta.

  • What is Merit Financial Advisors's latest funding round?

    Merit Financial Advisors's latest funding round is Corporate Minority.

  • Who are the investors of Merit Financial Advisors?

    Investors of Merit Financial Advisors include Wealth Partners Capital Group.

  • Who are Merit Financial Advisors's competitors?

    Competitors of Merit Financial Advisors include Cerity Partners and 3 more.

  • What products does Merit Financial Advisors offer?

    Merit Financial Advisors's products include Financial Planning and 3 more.

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