Posts by baileyheather
The Retirement Roadmap: How to Chart a Course You’ll Actually Follow
Planning for retirement can feel a bit like planning a cross-country road trip. You might know the general direction you want to head, but without a clear roadmap, it’s easy…
Read MoreDocumenting Your Wishes: Healthcare Directives and Powers of Attorney
We plan for vacations. We plan for retirement. We even plan our grocery lists. But when it comes to planning for the unexpected, too many families find themselves unprepared—and overwhelmed.…
Read MoreTeaching 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…
Read MoreThe Power of Compound Interest: Starting Early vs. Catching Up
When it comes to building wealth for retirement, one principle stands out for its quiet but impressive impact: compound interest. Often called the “eighth wonder of the world,” compound interest…
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