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Tag Archives: money

You’ve invested your life into caring for their wellbeing. You cherish them and want them to mature into smart, healthy, successful adults. Naturally, as they become adults and grow older, your authority over them recedes. They make their own decisions, and you just hope it’s for the best. Your feelings don’t change. They are your […]

For many investors looking to secure their cash flow in retirement, annuities are a common way to receive the guaranteed income they need. Different annuities exist, so knowing which option fits your financial life and goals is important. Here are some points on the differences between qualified and nonqualified annuities. What is a qualified annuity? […]

Developing a sound retirement strategy requires periodic reviews and analyses of projected income levels in order to maintain the lifestyle you envision. Annuities can serve as useful investments for retirees looking to generate guaranteed income. According to one investor poll, having a guaranteed income is a top priority of 56% of respondents.1 Yet, most Americans […]

More than one-third of Americans have little to no money saved for retirement. Most of them are part of generation X, who were most affected by the Great Recession of 2008.1 They lost almost half of their net wealth during a time when they carried hefty financial obligations including mortgages, aging parents, and children – […]

Before you retired, you may have spent time developing strategies to help you reach your retirement goals. You might have invested for the income you would need, minimized your debt, or protected yourself with long-term-care insurance. By focusing on your financial goals and envisioning the lifestyle you wanted for that next stage in life, you […]

Saving money before and during retirement so their standard of living doesn’t suffer is important for many retirees. Unfortunately, many Americans aren’t saving nearly enough and are falling short of setting aside adequate funds to support their retirement needs. The average retirement savings for people aged 56-61 is only $163,577. Meanwhile, retirees can spend nearly […]

Mortgage rates are hovering close to 4.5% and could reach 5% during this busy home buying season. Before you sign on the dotted line for your mortgage payments, make a plan to cut down the costs! Whether you’re buying your first home, or you’re downsizing like many of my clients who are approaching retirement and […]

Financial fraud is, unfortunately, a common practice in America that costs individuals and businesses billions of dollars each year. Research shows that people often underreport financial fraud, which is difficult to investigate and prosecute. As a result, staying aware of different scamming techniques is an important way to protect yourself and your family. Here are […]

Losing a spouse is never easy and a difficult topic for many to even imagine. But when you become a widow or widower, moving beyond the grief to address important financial items in your life is essential. Whether you recently lost your loved one or you need to prepare for the road ahead, here are […]

Financial lives are inherently complex and require thoughtful perspectives and strategies for you and your loved ones. Multigenerational households pose additional challenges to heads of households. A multigenerational household has two or more adults from different generations. More than 60 million Americans live in multigenerational households, comprising 19% of the population. Living in a household […]

The holidays are in the rear-view mirror, but the credit card bills are front and center! All the fun and festivities can really add up – many households will be paying off their debt through the entire winter and even into spring. We need to watch how much we are putting on our credit cards […]

It’s the giving season, and as presents are exchanged and good cheer fills the air many people are looking for a way to give back. Financial professional Mindy McIntosh talks with WSMH FOX66 about how we can get in the giving spirit without breaking the bank. Ways to Give Back Giving to Others – Make […]

Medicare Open Enrollment Medicare annual election period runs October 15 through December 7. During this time, you can make changes to various aspects of your coverage and review your medical or prescription plan needs. We will also do a complimentary retirement check up to ensure your coverage is adequate for the coming years of retirement. […]

September is National Self-Improvement Month! The perfect time to make some changes in your life, especially when it comes to your finances. Financial professional Mindy McIntosh talks with FOX66 WSMH about how everyone can get started to reach their financial goals. Self-Improvement Month 1. Evaluate & Create a Plan – It doesn’t matter what your […]

Family Conversations: Financial Hardship & Life Changes When is the last time you talked about your insurance plan with your family? If you’re assuming that you should just take care of it yourself and avoid the conversation, think again. It can be hard to talk about what life would be like for your family if […]

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