Retirement Archives | McIntosh & Associates, Inc.

Tag Archives: Retirement

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? […]

Our step by step L.I.F.E program offers ideas on how to incorporate FIUL as the cornerstone of a financial strategy. This workshop will cover the following topics: How long will your retirement assets last? Help make your idle assets go further Impact of dying too soon Help fill in the gaps in your retirement strategy […]

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 […]

Paying for health care in retirement is not an easy task. Despite rising costs and increasingly complex coverage requirements, you can take steps today to help ensure you’re not struggling tomorrow. As you explore your own retirement planning and health-care expenses, here are some facts to keep in mind: Fact 1: We Are Living Longer […]

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 – […]

Saving for retirement to sustain your standard of living is a continual effort to prevent your quality of life from declining in later years. Unfortunately, for many retirees, this goal can be difficult to achieve. Even with planning, 52% of working-age households may not be able to sustain their lifestyles in retirement.1 You can take […]

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 […]

If you’re a federal employee, you have financial benefits available to you that are different from other retirement plans. If you directed your annuity benefits to your children, you have specific distribution details to consider. Here are answers to questions about managing annuity benefits for children: When do the benefits pay out? Your annuity as […]

Enjoying a comfortable retirement depends on how well you prepared ahead of time to support your desired lifestyle, and how well you keep a pulse on your financial well-being after you retire. You may need to check periodically to ensure you can continue to afford retirement and health-care needs, no matter how much planning you […]

Divorce can be one of the most difficult and stressful times in a person’s life, and it’s easy to make major money mistakes. Financial professional Mindy McIntosh talks with WSMH FOX66 Profitt Report about how couples can avoid the biggest financial “gotchas” involved in a break up and how to make sure their assets get […]

When preparing for retirement, imagining the new lifestyle that awaits you can be exciting. From travel to family time to relaxation, a fulfilling retirement looks different to each individual. Preparing for the quality of life you desire goes beyond simply ensuring you can support your daily costs and fulfill your dreams. You should address two […]

When most people think about retirement, they envision a life of freedom. From traveling the world to spending time with grandchildren, everyone’s goals for their golden years are different. No matter your dreams, lasting health will help you enjoy your future. In a recent survey, 81% of retirees said good health is most important for […]

With the New Year upon us, it brings a fresh opportunity to consider your goals. For 2018, we are taking a different approach to resolutions. Instead of giving you a laundry list of tasks to accomplish, we want to encourage you to make this the year you really own your financial life. Imagine fast forwarding […]

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