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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…

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…

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…

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…

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,…

Employer matching contributions can significantly boost your retirement savings. Here’s how to make the most of this valuable benefit. 1. Contribute Enough to Get the Full Match The first step…

When it comes to retirement planning, a one-size-fits-all approach simply doesn’t work. Your retirement plan should be tailored to your specific needs, goals, and lifestyle. 1. Tailor to Your Lifestyle…

Retirement is full of unknowns. From market volatility to unexpected health issues, it’s crucial to have a plan for managing risks. 1. Insurance Insurance can help protect your retirement savings.…

The Inflation Reduction Act (IRA) has introduced critical changes that will impact health care costs for retirees, especially those on Medicare. Understanding these provisions is essential to ensuring you’re prepared…

Health care is one of the most significant costs retirees face. Failing to plan for rising medical expenses can lead to financial strain later in life. Here’s how you can…