Knowledge and Insights

Offering resources and insights that help clients and communities

One of the ways Mercadien accelerates client and community success is by continually enhancing and sharing knowledge.  By offering our expertise and thought leadership on key business and industry trends and issues, we’re a better resource to you. It benefits everyone to keep minds sharp and fingers on the pulse of what’s critical in today’s dynamic environment.

We’re pleased to provide articles, news, and information to help you stay up-to-date on topics affecting your organization; learn about best practices and processes in relevant fields; and simplify the business and financial complexities you may face.



Wednesday, April 28, 12:30 PM - 2:00 PM
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Is the Bank With You or Against You?

December 6, 2017 | By: Many business owners have mixed feelings about their banks and their banking representatives. They are unsure about whether they can be completely honest about their business without a negative impact on the bank relationship. On a daily basis, you do not spend much time thinking about your banking relationship. When the time comes to tell…Read More

Tips for Complying With New HMDA Rules

December 1, 2017 | By: Raji SathappanOnce again, banking compliance professionals are in full swing preparing for the new HMDA rules. This is the biggest change since the recent TRID rules that banks still are getting used to. HMDA/Regulation C remains one of the top three most-commonly cited laws/regulations by the regulatory agencies. In the years since HMDA was originally enacted,…Read More

The Tax Cuts and Jobs Act

November 6, 2017On November 2, 2017, the U.S. House of Representatives Ways and Means Committee released a comprehensive tax reform bill called the “Tax Cuts and Jobs Act.”  The bill has a long way to go before it is law.  It is not possible to predict what provisions will survive, what will be added, or what will…Read More

Advocacy vs. Lobbying by Nonprofits

November 1, 2017 | By: Lovepreet ButtarDo you get a little nervous when anyone talks about lobbying? What about advocacy? Do you know the difference between the two? There are many issues facing the nonprofit industry, some of which require organizations to speak up and get involved in public policy. I have heard numerous times from organizations that they (or their…Read More

A Sustainable Business Model – More Important Than Ever

November 1, 2017 | By: Sherise D. RitterI’ve been helping numerous clients work through recent challenges stemming from funders’ demands, many of which are changing an organization’s entire way of getting paid.  Take, as an example, a human service provider agency funded primarily with state grants throughout its entire history, whereby if they spent $1 on providing approved services, the state would…Read More

The Sandwich Generation

October 24, 2017 | By: Michelle V. EvermanAn early morning stop at the hospital to visit your parent and to catch the doctor on their morning rounds, a hurried arrival at work, making follow-up appointments for your parent, schedule the well visits for the kids, start work, follow-up on the medical insurance denial, add the parent teacher conference to your calendar, work,…Read More

Medicare Open Enrollment

October 24, 2017 | By: Betsy Chandler – MIC Insurance ServicesMedicare Open Enrollment, also known as the Annual Enrollment Period (AEP), runs from October 15 through December 7 each year. During this time of year you can change your Part D plan or change your Medicare Advantage plan. If you have original Medicare combined with a Medicare Supplement and Part D plan (prescription drug coverage)…Read More

Mercadien Announces Managing Director And Other Promotions

September 22, 2017Princeton, NJ –  Conrad L. Druker, CPA, CGMA, managing director of The Mercadien Group and managing principal of Mercadien, P.C., CPAs, is pleased to announce that Joseph J. Maruca, CPA, CGMA, PSA, has been promoted from director to managing director of The Mercadien Group and principal in Mercadien, P.C., CPAs.  Mr. Maruca, a senior member of the firm’s…Read More

Big Choices When Deciding Where To Retire

September 18, 2017 | By: Marguerite L. MountAbout 15% of people in households with incomes of more than $100,000 move to a new destination when they retire – While the majority of baby boomers choose to stay put when they retire, a growing number are deciding on a new location to spend their golden years. There are thousands of destinations to choose from…Read More

Back To School – 3 Little Lessons About Money

September 18, 2017 | By: Christopher SeizWith the kids headed back to school, let’s talk about some of the important skills they’ll need your help with to master. It’s important to already know the key points you want to relay before taking on the teachable lessons. At each age, different lessons are the important ones; we all know a four-year-old isn’t…Read More