Debt Elemination Plans
Take back control of your money—without cutting up your credit cards or living on rice and beans.
Is Debt Holding You Back from the Life You Want?
Most Americans aren’t lazy or irresponsible—they’re trapped in a broken financial system.
3 out of 4 dollars you earn go toward interest and taxes.
35¢ of every $1 is spent servicing debt.
Emergency and emotional spending keep resetting your progress.
At retirement, most people still carry over $150,000 in debt—with only $60,000 in savings.
You Deserve Better.
At Mere, we use a Foundational Planning approach to help you take control of your finances and eliminate debt—without increasing what you spend each month.
We focus on four essential pillars to give you long-term financial security and peace of mind:
Debt Elimination Let’s cancel compounding interest and free up your cash flow. Whether it’s credit cards, your mortgage, student loans, or business debt—we help you eliminate it faster than you thought possible, using money you’re already spending.
Estate Planning Support Make sure everything you’ve worked for goes exactly where it should. We guide you through simple, affordable solutions to protect your legacy and avoid family stress down the road. 👉 Learn more about our Estate Planning services »
Guaranteed Retirement Tired of crossing your fingers with the stock market? Our plans are built to give you predictable, mailbox money in retirement—without relying solely on a 401(k) or IRA.
Long-Term Care Safety Net Most people don’t have a formal long-term care plan—but that doesn’t stop the need from showing up. We help you prepare financially, so if care is ever needed, you have the money to afford it without derailing your retirement or burdening loved ones.
Book An Appointment NOW!
Ready to secure your peace of mind through the best insurance plan for you and your family?
Look no further! Mere is here to guide you every step of the way.
Here’s How It Works:
Long-Term Care Safety Net We'll send you our simple Spending Planner to map out your debts, payments, and interest rates. This helps us identify where your money is leaking—and how to get it back.
Free Consultation & Review One of our advisors will walk you through your current financial plan vs. a new strategy based on your goals. No pressure. No cost. No obligation.
Get a Personalized Strategy Your plan is tailored to your needs, not someone else’s. We’ll show you how to redirect existing dollars to eliminate debt and build wealth—without turning your lifestyle upside down.
We’ve Been Helping People Like You Since 2007
Whether you’re nearing retirement or just trying to get your finances back on track, you’re not alone. We’re here to help you break the cycle and move forward—with a real plan and real support.
Frequently Asked Questions
What is foundational planning?
Foundational planning is a strategy that focuses on strengthening the core areas of your financial life—like debt elimination, guaranteed retirement income, estate planning, and long-term care. Instead of chasing risky investments or temporary fixes, it helps you build long-term security by identifying and correcting financial inefficiencies.
Do I need to make more money to get out of debt faster?
Not at all. Our strategy focuses on using the money you’re already spending—just more efficiently. Most clients are shocked by how much they can eliminate without increasing their expenses. That said, earning more can certainly help accelerate your progress, especially when that extra income is directed strategically.
How fast can I expect results?
Most clients start seeing positive momentum within the first few months—but results depend on your specific situation and how consistently the plan is followed. This isn’t a “get out of debt overnight” promise, but a proven strategy that works when implemented with discipline.
Is this like debt consolidation or bankruptcy?
No. We don’t consolidate your loans or recommend bankruptcy. This is a foundational planning approach that puts you in control and builds long-term security—not just a quick fix.
Can I still use my credit cards?
Yes! We don’t believe in extreme lifestyle changes. You won’t be told to cut up your cards or stop enjoying life. We help you build a realistic plan that works with your habits.
What if I have a mortgage, student loans, car payments, or medical debt?
Perfect. Our strategies are built to tackle all types of debt—whether it’s consumer debt, secured loans, or long-term obligations.
What does the consultation cost?
Nothing. We offer free, no-obligation consultations to show you what’s possible before you make any decisions.
Can this help with retirement planning too?
Yes. Our strategy is designed to eliminate debt and build a future. Many clients use the same plan to create tax-advantaged income streams in retirement.
Frequently Asked Questions
for Business Owners
I’m a small business owner—can this help with business debt?
Yes! These strategies work especially well for business owners who carry debt for equipment, lines of credit, or startup expenses. We help you apply the same cash flow efficiency principles to your business finances, freeing up money without disrupting operations.
What kinds of business debt can this eliminate?
We’ve helped clients eliminate credit card debt, business loans, equipment leases, and even high-interest working capital advances. If it has an interest rate, there’s usually a more efficient way to pay it off.
Will I need to change how I pay myself or run payroll?
Not necessarily. We work with your existing business structure and income—our goal is to find the leaks in your current plan and show you how to redirect dollars you’re already spending.
What if my income fluctuates month to month?
That’s common for entrepreneurs. We’ll build flexibility into your plan so you can still move forward even in slow seasons, while staying on track long term.
Can this help me with both personal and business debt?
Absolutely. We look at your full financial picture—personal and business—and create a strategy that works together. Many business owners are surprised to find that eliminating debt in one area unlocks faster progress in the other.
Ready to stop spinning your wheels and start building something that lasts?
Let’s take a look at your current plan—no cost, no pressure.
Quick Links
Schedule a Call
Contact Us
Need Help? The MereCare Team is here for you year-round.
Licensed Insurance Agency
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
This website is not affiliated with or endorsed by any government agency, including the United States government, the federal Medicare program, the Social Security Administration, the Department of Health and Human Services, or the Centers for Medicare & Medicaid Services.
This is a proprietary website and is not associated with Healthcare.gov.
Accessibility
We’re committed to making our website accessible to everyone. If you have any difficulty accessing any part of our site, please call 904-654-5450 or email info@merebenefits.com. We’ll be happy to help.
© Copyright 2025. Mere Benefits.