Getting Ready to Retire

Some members start their retirement planning from the day they are hired. Some others are overwhelmed by the thought of such a major life-changing decision.

"Three Legged Stool"

Retirement experts use the analogy of the "three legged stool" that provides a secure foundation for you. Those three elements are:
  • Social Security
  • Your own savings
  • Your pension

Deferred Compensation

County and Superior Court employees contribute to Social Security, and you may have been contributing to a personal savings plan, such as deferred compensation. For contact information for Nationwide Deferred Compensation and Social Security please visit our Resource Center.

Valuable Tools

When it comes to your pension, there are many valuable tools on this website, and Merced County Employees' Retirement Association (MCERA) staff is always here to help you.

Brown Bag Meetings

Brown Bag meetings are offered to give you a general understanding of your pension and how it works. This hour-long class will help you start your planning.


MCERA's retirement benefit calculator allows you to enter certain information about your retirement plans, and will instantly deliver an estimated monthly pension amount. You can also read about the way your benefit is calculated on the Calculating Your Benefits page.

What do I do?

For a retirement "how-to" guide, go to the How to Retire page. There's also a Retirement Planning Check-list available to begin the planning process. And if you have questions, please just give the MCERA office a call.