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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…

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.…

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,…

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…

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…

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…

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…

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…

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.…

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…