Posts by rohlmanbri
Legacy Planning for Blended Families: Helping Ensure Fairness and Clarity
Legacy planning can be complex for blended families, where you may need to account for multiple family members, previous marriages, and different financial needs. Blended families are becoming increasingly common…
Read MoreNavigating Financial Planning for Widows and Widowers: A Guide to Rebuilding Financial Confidence
Losing a spouse is both an emotional and financial challenge that requires careful planning. Recent studies indicate that widowed individuals often face significant financial hardships compared to their married counterparts.…
Read MoreThe Importance of Long-Term Care Planning: What Every Retiree Should Know
Planning for long-term care (LTC) is a crucial step in retirement planning that many overlook. According to the U.S. Department of Health and Human Services, According to the U.S. Department…
Read MorePlanning for the Retirement Red Zone: Steps to Take 5-10 Years Before Retiring
The retirement “red zone”—the last 5-10 years before you retire—is important for helping secure your financial stability. According to Vanguard’s “How America Saves 2024” report, average account balances increased by…
Read MoreWays to Financially Prepare for Rising Inflation During Retirement
For retirees, inflation can be a financial roadblock, silently reducing purchasing power year after year. In 2022, inflation peaked at 9.1%—the highest in four decades (U.S. Bureau of Labor Statistics,…
Read MoreUnderstanding the 4% Rule: Is It Still Relevant for Today’s Retirees?
The 4% rule has been a cornerstone of retirement planning since it was introduced by financial planner William Bengen in 1994. The rule posits that retirees can withdraw 4% of…
Read MoreThe FOCUS Process: A Comprehensive Approach to Retirement Planning
Retirement planning is much more than just setting aside money in a savings account or contributing to a 401(k). To help ensure a comfortable and preserve retirement, it’s essential to…
Read MoreDebunking Common Retirement Planning Myths
When it comes to planning for retirement, there are plenty of myths and misconceptions that can derail even the most well-intentioned plans. At McIntosh & Associates, we believe that understanding…
Read MoreThe Benefits of Diversifying Your Retirement Portfolio
As you approach retirement, diversification becomes even more important in protecting your nest egg and ensuring long-term financial security. 1. Reducing Risk By diversifying your investments across different asset classes—such…
Read MoreLegacy Planning: Protecting Your Legacy for Future Generations
Legacy planning is about more than deciding who gets what after you pass away. It’s about ensuring that your wishes are carried out, your loved ones are taken care of,…
Read More