McIntire Retirement Services Game Plan For Retirement

Holiday gatherings are meant for reconnecting with loved ones, yet conversations around money, estate planning, and aging parents often trigger tension or conflict. In this episode of Your Game Plan for Retirement, Chris McIntire of McIntire Retirement Services joins host Peter Richon to share practical, low-pressure strategies for having productive financial discussions with your family before a crisis strikes.

Whether you are part of the "sandwich generation" balancing support for adult children and aging parents, or you simply want to ensure your loved ones know where your important legal documents are kept, proactive communication is the best gift you can leave behind.

In this episode, you'll learn:

How to Break the Ice: Why leading by sharing your own planning steps—rather than asking "20 questions"—prevents family members from feeling interrogated.

Essential Legal & Financial Organization: The importance of setting up financial and healthcare powers of attorney, living wills, and clear lists of accounts and heirlooms so executors aren't left guessing.

Spotting Signs of Cognitive or Physical Decline: Gentle, supportive ways to offer help when you notice unpaid bills, neglected chores, or unusual spending during holiday visits.

Navigating the Sandwich Generation & Early Inheritance: How to help adult children or grandchildren (including using tools like UTMA accounts) without jeopardizing your own retirement security or creating sibling resentment.

Protecting Loved Ones from Modern Scams: Practical tips for helping older relatives recognize phishing emails, suspicious phone calls, and AI voice-cloning fraud.

For more information on this and many other important financial topics, contact Chris McIntire at (800) 868-1194 or visit the website at https://mcintireretirementservices.com/. More content like this is always available on our Youtube channel "@GamePlanForRetirement", because we believe Planning Matters.

-Our Channel | www.youtube.com/@GamePlanForRetirement

Like, subscribe to our channel, and share with all your friends and family.

-Game Plan For Retirement Playlist | https://youtube.com/playlist?list=PLtf_wVWO2hUf3_NXVQacmaoBLitphgB5N

-McIntire Retirement Service Shorts | https://youtube.com/playlist?list=PLtf_wVWO2hUc4QXHu68SuUoOETkr0XO-A

For other resources click this link | https://linktr.ee/chrismcintire

For more updates on when McIntire Retirement Services uploads a new video follow these social medias Facebook - https://www.facebook.com/McIntireRetirement

If you prefer to listen to the videos they will be posted in audio form on this page. https://mcintireretirement.libsyn.com/

Find more information about Chris McIntire & McIntire Retirement Services, request your Game Plan For Retirement, or download the resources mentioned in this week's episode by visiting http://mcintireretirementservices.com/helpful-resources/.

DISCLAIMER Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and McIntire Retirement Services are independent of each other.

What happens when real life crashes into your carefully crafted spreadsheet projections? In this episode of Your Game Plan for Retirement, host Peter Richon joins Chris McIntire, CFP®, President and Founder of McIntire Retirement Services, to discuss how to build a resilient financial plan that withstands life's unexpected variables.

Together, they explore the real-world impact of sudden market downturns, inflation, unexpected healthcare events, and the critical financial consequences of losing a spouse. Chris highlights actionable strategies—from structuring income using annuities and buffer strategies to handling non-traditional investment vehicles and stress-testing your portfolio—to ensure your money outlasts your retirement. Learn how to move past "hope and a prayer" portfolios, protect your loved ones, and maintain lasting financial confidence no matter what life throws your way.

For more information on this and many other important financial topics, contact Chris McIntire at (800) 868-1194 or visit the website at https://mcintireretirementservices.com/. More content like this is always available on our Youtube channel "@GamePlanForRetirement", because we believe Planning Matters.

-Our Channel | www.youtube.com/@GamePlanForRetirement

Like, subscribe to our channel, and share with all your friends and family.

-Game Plan For Retirement Playlist | https://youtube.com/playlist?list=PLtf_wVWO2hUf3_NXVQacmaoBLitphgB5N

-McIntire Retirement Service Shorts | https://youtube.com/playlist?list=PLtf_wVWO2hUc4QXHu68SuUoOETkr0XO-A

For other resources click this link | https://linktr.ee/chrismcintire

For more updates on when McIntire Retirement Services uploads a new video follow these social medias Facebook - https://www.facebook.com/McIntireRetirement

If you prefer to listen to the videos they will be posted in audio form on this page. https://mcintireretirement.libsyn.com/

Find more information about Chris McIntire & McIntire Retirement Services, request your Game Plan For Retirement, or download the resources mentioned in this week's episode by visiting http://mcintireretirementservices.com/helpful-resources/.

DISCLAIMER Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and McIntire Retirement Services are independent of each other.

As year-end deadlines approach, Required Minimum Distributions (RMDs) become a top priority for retirees looking to avoid costly IRS penalties. In this episode of Your Game Plan for Retirement, host Peter Richon sits down with Chris McIntire, President and Founder of McIntire Retirement Services, to unpack the evolving landscape of retirement account withdrawals, tax strategies, and legacy planning.

With rules changing under the SECURE Act and SECURE Act 2.0, understanding when and how to take mandated distributions is critical. Chris and Peter break down practical, common-sense strategies to help you minimize taxable income, navigate new age requirements, and keep more of your hard-earned savings.

Key Topics Covered in This Episode:

The New RMD Age Timelines: How legislative updates shifted starting ages from 70½ to 72, then 73, and eventually 75 for those born in 1960 or later.

Qualified Charitable Distributions (QCDs): Why age 70½ remains a critical milestone for making tax-free donations directly from your IRA to eligible charities.

Account Consolidation & Aggregation: How RMD rules differ across traditional IRAs, 401(k)s, 403(b)s, annuities, and bank CDs.

Strategic Roth Conversions: How converting assets prior to age 73 can lower overall lifetime tax obligations and protect you from Medicare IRMAA premium surcharges.

Inherited IRAs & The 10-Year Rule: Managing tax consequences for non-spouse beneficiaries to prevent heirs from inheriting unnecessary tax burdens.

Whether you are nearing age 73 or already taking forced distributions, proactive planning ensures your retirement strategy works in your favor—not the IRS's.

For more information on this and many other important financial topics, contact Chris McIntire at (800) 868-1194 or visit the website at https://mcintireretirementservices.com/. More content like this is always available on our Youtube channel "@GamePlanForRetirement", because we believe Planning Matters.

-Our Channel | www.youtube.com/@GamePlanForRetirement

Like, subscribe to our channel, and share with all your friends and family.

-Game Plan For Retirement Playlist | https://youtube.com/playlist?list=PLtf_wVWO2hUf3_NXVQacmaoBLitphgB5N

-McIntire Retirement Service Shorts | https://youtube.com/playlist?list=PLtf_wVWO2hUc4QXHu68SuUoOETkr0XO-A

For other resources click this link | https://linktr.ee/chrismcintire

For more updates on when McIntire Retirement Services uploads a new video follow these social medias Facebook - https://www.facebook.com/McIntireRetirement

If you prefer to listen to the videos they will be posted in audio form on this page. https://mcintireretirement.libsyn.com/

Find more information about Chris McIntire & McIntire Retirement Services, request your Game Plan For Retirement, or download the resources mentioned in this week's episode by visiting http://mcintireretirementservices.com/helpful-resources/.

DISCLAIMER Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and McIntire Retirement Services are independent of each other.

In this episode of Game Plan for Retirement, host Peter is joined by Chris McIntire, President and Founder of McIntyre Retirement Services, to discuss critical financial strategies you need to execute before the year ends. As December 31st approaches, taking a proactive approach to your retirement savings and tax planning can make a significant difference in your long-term wealth.

Chris breaks down time-sensitive deadlines, actionable tax-saving strategies, and investment adjustments to help you wrap up the year strong and step into the next year with confidence.

Key Highlights & Topics Covered: Upcoming Educational Workshop: A preview of the two-session retirement planning class at Terra State Community College on November 5th and 12th, offered through The Prepare Institute.

Roth IRA Conversions: Why year-end is the optimal time to evaluate converting traditional 401(k) or IRA assets into a Roth IRA for future tax-free growth.

Required Minimum Distributions (RMDs) & QCDs: How to navigate RMD rules for age 73+ and utilize Qualified Charitable Distributions (QCDs) starting at age 70½ to fulfill RMD requirements tax-free.

Maximizing Payroll Retirement Contributions: Key updates on 401(k) and 403(b) contribution limits, including new Roth catch-up mandates for savers aged 50 and older.

Tax-Loss Harvesting & Rebalancing: Strategies for offsetting capital gains before December 31st and aligning your portfolio risk tolerance amid shifting market trends.

For more information on this and many other important financial topics, contact Chris McIntire at (800) 868-1194 or visit the website at https://mcintireretirementservices.com/. More content like this is always available on our Youtube channel "@GamePlanForRetirement", because we believe Planning Matters.

-Our Channel | www.youtube.com/@GamePlanForRetirement

Like, subscribe to our channel, and share with all your friends and family.

-Game Plan For Retirement Playlist | https://youtube.com/playlist?list=PLtf_wVWO2hUf3_NXVQacmaoBLitphgB5N

-McIntire Retirement Service Shorts | https://youtube.com/playlist?list=PLtf_wVWO2hUc4QXHu68SuUoOETkr0XO-A

For other resources click this link | https://linktr.ee/chrismcintire

For more updates on when McIntire Retirement Services uploads a new video follow these social medias Facebook - https://www.facebook.com/McIntireRetirement

If you prefer to listen to the videos they will be posted in audio form on this page. https://mcintireretirement.libsyn.com/

Find more information about Chris McIntire & McIntire Retirement Services, request your Game Plan For Retirement, or download the resources mentioned in this week's episode by visiting http://mcintireretirementservices.com/helpful-resources/.

DISCLAIMER Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and McIntire Retirement Services are independent of each other.

A successful retirement doesn't happen by accident—it takes a solid structure. 🏗️ Whether you're nearing retirement or already enjoying your golden years, host Chris McIntire breaks down the essential strategies needed to build, protect, and optimize your financial foundation. 🛡️

From organizing income streams and tax-efficient strategies to risk management and estate planning, we share actionable insights so you can retire with confidence and complete peace of mind. 📈🏖️

📲 Hit subscribe to start structuring your path to lifelong financial independence today! 🎯📊

For more information on this and many other important financial topics, contact Chris McIntire at (800) 868-1194 or visit the website at https://mcintireretirementservices.com/. More content like this is always available on our Youtube channel "@GamePlanForRetirement", because we believe Planning Matters.

-Our Channel | www.youtube.com/@GamePlanForRetirement

Like, subscribe to our channel, and share with all your friends and family.

-Game Plan For Retirement Playlist | https://youtube.com/playlist?list=PLtf_wVWO2hUf3_NXVQacmaoBLitphgB5N

-McIntire Retirement Service Shorts | https://youtube.com/playlist?list=PLtf_wVWO2hUc4QXHu68SuUoOETkr0XO-A

For other resources click this link | https://linktr.ee/chrismcintire

For more updates on when McIntire Retirement Services uploads a new video follow these social medias Facebook - https://www.facebook.com/McIntireRetirement

If you prefer to listen to the videos they will be posted in audio form on this page. https://mcintireretirement.libsyn.com/

Find more information about Chris McIntire & McIntire Retirement Services, request your Game Plan For Retirement, or download the resources mentioned in this week's episode by visiting http://mcintireretirementservices.com/helpful-resources/.

DISCLAIMER Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and McIntire Retirement Services are independent of each other.

Social Security can be one of the most important pieces of your retirement income strategy — but knowing when and how to claim your benefits can make a big difference.

In this episode, Chris McIntire sits down with Peter Richon to discuss strategies and considerations for optimizing Social Security and making informed decisions as you plan for retirement.

Whether you're approaching retirement or already collecting benefits, this conversation offers helpful insights to consider when building your retirement income strategy.

In this episode of Game Plan for Retirement, host Peter and Chris McIntire, President and Founder of McIntyre Retirement Services, break down the mechanics and strategies behind Roth IRAs and Roth 401(k)s. They explore the key differences between Roth contributions and conversions, how to pay conversion taxes efficiently, and how higher earners can still take advantage of tax-free growth.

Later in the show, Chris sits down with Emmy Award-winning news anchor Erin Kennedy to bust 7 Major Retirement Myths—covering everything from Social Security solvency and long-term care costs to the misconception of the "$1 million retirement number."

Key Takeaways:

Contributions vs. Conversions: Why anyone can convert to a Roth IRA regardless of income limits.

Tax Strategies: The best sources for paying taxes on Roth conversions to maximize growth potential.

Retirement Myth Busting: Realities of Social Security, Medicare/Medicaid coverage for long-term care, and sustainable withdrawal strategies.

401(k) Catch-Up Rules: How recent tax laws impact catch-up contributions for workers 50 and older.

For more information on this and many other important financial topics, contact Chris McIntire at (800) 868-1194 or visit the website at https://mcintireretirementservices.com/. More content like this is always available on our Youtube channel "@GamePlanForRetirement", because we believe Planning Matters.

-Our Channel | www.youtube.com/@GamePlanForRetirement

Like, subscribe to our channel, and share with all your friends and family.

-Game Plan For Retirement Playlist | https://youtube.com/playlist?list=PLtf_wVWO2hUf3_NXVQacmaoBLitphgB5N

-McIntire Retirement Service Shorts | https://youtube.com/playlist?list=PLtf_wVWO2hUc4QXHu68SuUoOETkr0XO-A

For other resources click this link | https://linktr.ee/chrismcintire

For more updates on when McIntire Retirement Services uploads a new video follow these social medias Facebook - https://www.facebook.com/McIntireRetirement

If you prefer to listen to the videos they will be posted in audio form on this page. https://mcintireretirement.libsyn.com/

Find more information about Chris McIntire & McIntire Retirement Services, request your Game Plan For Retirement, or download the resources mentioned in this week's episode by visiting http://mcintireretirementservices.com/helpful-resources/.

DISCLAIMER Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and McIntire Retirement Services are independent of each other.

Many pre-retirees assume Medicare will cover all their medical needs in retirement, but the out-of-pocket reality can be a major shock. In this episode of Game Plan for Retirement, host Peter talks with Chris McIntyre, President and Founder of McIntire Retirement Services, about the hidden traps and true expenses of healthcare in retirement.

They dive into the "IRMAA trap," the 2-year income lookback period, gaps in traditional Medicare coverage like dental and vision, and the staggering potential costs of long-term care. Tune in to discover why healthcare planning cannot be done in a vacuum and how aligning your investments, taxes, and insurance strategies can help protect your retirement savings.

For more information on this and many other important financial topics, contact Chris McIntire at (800) 868-1194 or visit the website at https://mcintireretirementservices.com/. More content like this is always available on our Youtube channel "@GamePlanForRetirement", because we believe Planning Matters.

-Our Channel | www.youtube.com/@GamePlanForRetirement

Like, subscribe to our channel, and share with all your friends and family.

-Game Plan For Retirement Playlist | https://youtube.com/playlist?list=PLtf_wVWO2hUf3_NXVQacmaoBLitphgB5N

-McIntire Retirement Service Shorts | https://youtube.com/playlist?list=PLtf_wVWO2hUc4QXHu68SuUoOETkr0XO-A

For other resources click this link | https://linktr.ee/chrismcintire

For more updates on when McIntire Retirement Services uploads a new video follow these social medias Facebook - https://www.facebook.com/McIntireRetirement

If you prefer to listen to the videos they will be posted in audio form on this page. https://mcintireretirement.libsyn.com/

Find more information about Chris McIntire & McIntire Retirement Services, request your Game Plan For Retirement, or download the resources mentioned in this week's episode by visiting http://mcintireretirementservices.com/helpful-resources/.

DISCLAIMER Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and McIntire Retirement Services are independent of each other.

In this episode of Game Plan for Retirement, Chris McIntyre, President and Founder of McIntyre Retirement Services, joins the show to discuss critical "wake-up calls" many individuals face as they approach or enter retirement.

From managing income gaps after the paycheck stops to understanding the real costs of Medicare and healthcare, Chris breaks down common oversight areas and explains how proper planning can turn potential surprises into lasting financial confidence. Tune in as we cover:

Social Security & Paycheck Realities: Why relying solely on Social Security can create an income shortfall and how earnings calculations impact small business owners.

Healthcare & Tax Considerations: Understanding out-of-pocket medical costs and how IRA withdrawals affect taxable income.

Market Volatility & Debt Management: Strategies for de-risking your portfolio, mitigating sequence of returns risk, and eliminating debt to achieve financial freedom.

Longevity & Spending Confidence: Overcoming the fear of spending your nest egg while ensuring your savings last throughout your retirement years.

Whether you're 55 and just getting serious about your nest egg or approaching retirement in the near future, this conversation provides practical steps to take control of your financial future today.

For more information on this and many other important financial topics, contact Chris McIntire at (800) 868-1194 or visit the website at https://mcintireretirementservices.com/. More content like this is always available on our Youtube channel "@GamePlanForRetirement", because we believe Planning Matters.

-Our Channel | www.youtube.com/@GamePlanForRetirement

Like, subscribe to our channel, and share with all your friends and family.

-Game Plan For Retirement Playlist | https://youtube.com/playlist?list=PLtf_wVWO2hUf3_NXVQacmaoBLitphgB5N

-McIntire Retirement Service Shorts | https://youtube.com/playlist?list=PLtf_wVWO2hUc4QXHu68SuUoOETkr0XO-A

For other resources click this link | https://linktr.ee/chrismcintire

For more updates on when McIntire Retirement Services uploads a new video follow these social medias Facebook - https://www.facebook.com/McIntireRetirement

If you prefer to listen to the videos they will be posted in audio form on this page. https://mcintireretirement.libsyn.com/

Find more information about Chris McIntire & McIntire Retirement Services, request your Game Plan For Retirement, or download the resources mentioned in this week's episode by visiting http://mcintireretirementservices.com/helpful-resources/.

DISCLAIMER Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and McIntire Retirement Services are independent of each other.

When planning for retirement, most people focus on reaching a target nest egg number. But how can you build a reliable income stream if you haven't counted the true costs of living in retirement?

In this episode of Game Plan for Retirement, host Peter and Chris McIntire, President and Founder of McIntire Retirement Services, dive deep into the everyday and long-term expenses that retirees face. From rising housing costs and grocery bills to tax strategies, healthcare premiums, and travel in your "go-go" years, they break down why retirement is far more complex than just paying one big bill.

Tune in to discover practical strategies for creating a resilient, inflation-adjusted income plan so you can navigate retirement with financial confidence and peace of mind.

For more information on this and many other important financial topics, contact Chris McIntire at (800) 868-1194 or visit the website at https://mcintireretirementservices.com/. More content like this is always available on our Youtube channel "@GamePlanForRetirement", because we believe Planning Matters.

-Our Channel | www.youtube.com/@GamePlanForRetirement

Like, subscribe to our channel, and share with all your friends and family.

-Game Plan For Retirement Playlist | https://youtube.com/playlist?list=PLtf_wVWO2hUf3_NXVQacmaoBLitphgB5N

-McIntire Retirement Service Shorts | https://youtube.com/playlist?list=PLtf_wVWO2hUc4QXHu68SuUoOETkr0XO-A

For other resources click this link | https://linktr.ee/chrismcintire

For more updates on when McIntire Retirement Services uploads a new video follow these social medias Facebook - https://www.facebook.com/McIntireRetirement

If you prefer to listen to the videos they will be posted in audio form on this page. https://mcintireretirement.libsyn.com/

Find more information about Chris McIntire & McIntire Retirement Services, request your Game Plan For Retirement, or download the resources mentioned in this week's episode by visiting http://mcintireretirementservices.com/helpful-resources/.

DISCLAIMER Investment Advisory Services offered through Brookstone Capital Management, LLC (BCM), a Registered Investment Advisor. BCM and McIntire Retirement Services are independent of each other.