Archive for June 2025
Teaching Financial Literacy: Preparing the Next Generation
In today’s fast-moving world of digital payments, rising living costs, and student loan debt, one thing has never been more essential, or more overlooked: financial literacy. At McIntosh & Associates,…
Read MoreCelebrating Financial Independence: Steps to Help Achieve It
We often think of financial independence as a finish line—something we pursue when we retire early or accumulate significant wealth. But at McIntosh & Associates, we believe financial independence isn’t…
Read MoreUnderstanding Roth Conversions Before 2026 Tax Changes
If you’ve been considering a Roth conversion, the next year may offer a key opportunity. With the Tax Cuts and Jobs Act (TCJA) set to expire at the end of…
Read MoreNavigating ‘Peak 65’: What It Means for Your Retirement Planning
The year 2024 marked the beginning of “Peak 65”—the largest wave of Americans turning age 65 in history—averaging over 11,200 new retirees per day through 2027 (Fichtner, 2024). That’s more…
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