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# Mountaintop Wealth

Your Climb Starts Here.

## Sitemaps

- [XML Sitemap](https://mountaintopwealth.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Pages

- [Home](https://mountaintopwealth.com/) - Roland McIntyre is a financial advisor who provides Financial Advice, Planning, and Investment Management to help people achieve Financial Freedom.
- [Investment Philosophy](https://mountaintopwealth.com/investment-philosophy) - We welcome the opportunity to serve clients with comprehensive financial planning and investment management with the most reliable path to achieving their financial goals.
- [FAQ](https://mountaintopwealth.com/faq) - Our approach centered on financial planning, which examines all aspects of your financial life. Our goal is for you to feel confident about your journey ahead.
- [About](https://mountaintopwealth.com/about) - Roland McIntyre is a black financial advisor who provides retirement, financial education, and investment management services.
- [Services](https://mountaintopwealth.com/services) - Fee-only, Retirement Planning, College Planning, Tax Planning, and Investment Management firm serving clients in Tennessee. Flat Fee Wealth Management and financial planning services available. Fiduciary financial advisor.
- [Wealth Management](https://mountaintopwealth.com/wealth-management) - With Wealth Management, our firm provides continuous advice to clients regarding Retirement, Investing, and the Financial Goals for your family.
- [Ongoing Advice & Planning](https://mountaintopwealth.com/ongoing-advice-planning) - We take the time to truly understand your aspirations, values, and goals, crafting personalized financial advice and a tailored plan that meets your needs.
- [Contact Us](https://mountaintopwealth.com/contact-us) - Contact us for financial advice and investment management for busy Families, young couples & emerging professionals to achieve wealth.
- [Calculator Form Handler](https://mountaintopwealth.com/calculator-form-handler)
- [Pathway to Retirement](https://mountaintopwealth.com/pathway-to-retirement) - Skills Web Design At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque corrupti quos dolores. Nam libero tempore, nihil impedit quo minus id quod maxime placeat facere possimus, omnis voluptas assumenda sed do eiusmod tempor incididunt ut labore et nemo enim ipsam voluptatem quia voluptas sit aspernatur aut
- [Pathway to College](https://mountaintopwealth.com/pathway-to-college) - Skills Web Design At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque corrupti quos dolores. Nam libero tempore, nihil impedit quo minus id quod maxime placeat facere possimus, omnis voluptas assumenda sed do eiusmod tempor incididunt ut labore et nemo enim ipsam voluptatem quia voluptas sit aspernatur aut
- [Process](https://mountaintopwealth.com/process) - We take a holistic approach, covering areas like: Investment Planning, Retirement Planning, Estate Planning, Tax Planning, Insurance Planning, Debt Management
- [Blog](https://mountaintopwealth.com/blog) - Get Blog updates on Financial Literacy, Goals, Investing, Retirement, and Taxes from a Certified Financial Planner.
- [College](https://mountaintopwealth.com/college)
- [Videos](https://mountaintopwealth.com/videos) - Generational wealth and retirement education videos for financial freedom. Where we provide financial advice and investment management.
- [Investment Management](https://mountaintopwealth.com/investmentmanagement) - With Investment Management, we become your dedicated partner, providing tailored investments and support on your financial journey.
- [Small Business](https://mountaintopwealth.com/smallbusiness) - From Small Business to Financial Freedom, we take the time to understand your goals and design a strategy to help you achieve the financial future you want.
- [Public Service Employees](https://mountaintopwealth.com/publicservice) - Public Service Employees FREEDOM. INVESTING. RETIREMENT Who are Public Service Employees? Public service employees are individuals who work for government agencies at various levels, from local municipalities to national governments. They can be found in countless roles, including: First responders: firefighters, police officers, paramedics, EMTs Educators: teachers, professors, school administrators Social workers: caseworkers, therapists, counselors Healthcare professionals: nurses, doctors, public health officials Infrastructure workers: sanitation workers, road
- [Veterans](https://mountaintopwealth.com/veterans) - We utilize military values that support your mission to achieve financial freedom. We serve veterans who served their country.
- [Tax](https://mountaintopwealth.com/tax)
- [Tools](https://mountaintopwealth.com/tools)
- [BlogTest](https://mountaintopwealth.com/blogtest) - Financial FreedomBlog Subscribe Home Services About FAQ Videos Login Privacy Notice Legal Disclosure FORM ADV SCHEDULE A CALL (423) 556 - 6727 100 Cherokee Blvd., Suite 2012, Chattanooga, TN 37405 Copyright © Mountaintop Wealth 2024 All right reserved. Designed and developed by KeeCodes
- [Privacy Notice](https://mountaintopwealth.com/privacy-notice) - Privacy Notice If you have any questions about the contents of this Brochure, please contact us at (423) 556-6727. Mountaintop Wealth LLC, “MW” recognizes that our relationships with current and prospective clients are based on integrity and trust. We work hard to maintain your privacy and to preserve the private nature of our relationship with
- [Legal Disclosure](https://mountaintopwealth.com/legal-disclosures) - MOUNTAINTOP WEALTH, LLC is a registered investment advisor offering advisory services in the State of Tennessee and in other jurisdictions where exempted

## Layout Parts

- [your climb starts here footer](https://mountaintopwealth.com/tbuilder-layout-part/your-climb-starts-here-footer) - Your Climb starts here. Schedule a call today. We'll create a plan so you can start living the life you want. Schedule A Meeting
- [copyright](https://mountaintopwealth.com/tbuilder-layout-part/copyright) - Copyright © Mountaintop Wealth 2025 All right reserved. Designed and developed by KeeCodes
- [footer layout1](https://mountaintopwealth.com/tbuilder-layout-part/footer-layout1) - Home Services FAQ About Blog Videos RightCapital Login Client Meeting Complimentary Meeting Privacy Notice Legal Disclosure FORM ADV
- [footer address](https://mountaintopwealth.com/tbuilder-layout-part/footer-address) - 100 Cherokee Blvd., Suite 2012, Chattanooga, TN 37405
- [footer layout2](https://mountaintopwealth.com/tbuilder-layout-part/footer-layout2) - Form ADV Legal Disclosure Privacy Notice
- [pricing tab](https://mountaintopwealth.com/tbuilder-layout-part/pricing-tab) - Financial Planning CLIMB Small Project (up to 3 meetings) Best for advice and coaching for one of the following: Budgeting and Cash Management System Debt Reduction and Management Investing Review Insurance Review $100 dollars per meeting $100 dollars per meeting * First meeting is free* EMPOWER Long-term Project Best for projects like: Retirement Planning Investment
- [header video](https://mountaintopwealth.com/tbuilder-layout-part/header-video) - YOUR CLIMB STARTS HERE.
- [Subcrible Newsletter](https://mountaintopwealth.com/tbuilder-layout-part/subcrible-newsletter) - Subscribe to the Mountaintop Wealth for updates. Email Address
- [partners2](https://mountaintopwealth.com/tbuilder-layout-part/partners2)
- [Partners](https://mountaintopwealth.com/tbuilder-layout-part/partners)
- [social media links](https://mountaintopwealth.com/tbuilder-layout-part/social-media-links) - https://www.facebook.com/MountaintopWealth/
- [Social Media footer](https://mountaintopwealth.com/tbuilder-layout-part/social-media-footer)
- [design by](https://mountaintopwealth.com/tbuilder-layout-part/design-by) - Designed and developed by KeeCodes
- [services text](https://mountaintopwealth.com/tbuilder-layout-part/services-text) - Our approach centered on financial planning, which examines all aspects of your financial life. Throughout our planning process, our goal is for you to feel confident about your journey ahead and empowered to take control of your future.
- [Services](https://mountaintopwealth.com/tbuilder-layout-part/services)

## Global Styles

- [Pricing Box](https://mountaintopwealth.com/tglobal-style/tb_gs29815d0) - Heading 1 Heading 2 Heading 3 Heading 4 This is a sample Text module.

## Portfolios

- [3 ways to make college more affordable for your kids](https://mountaintopwealth.com/project/3waystomakecollegemoreaffordableforyourkids) - By Roland McIntyre, CFP® Let's have a real talk about college costs because it's time we stop letting this thing sneak up on us. 💯 We've all seen the headlines about tuition fees, but what really gets me is how many families don't know the whole story until it's too late. It's like focusing on
- [The College to Retirement Trap: Why Your College Plan Is Your Retirement Plan](https://mountaintopwealth.com/project/thecollegetoretirementrap) - By Roland McIntyre, CFP® You've done everything right. You’ve worked hard, built a successful career, and now you’re earning a great income—the kind of income that’s supposed to bring financial peace of mind. But let's be honest: that's not always the case. For many high-income families, the financial roadmap can feel like a game of
- [Stop Leaving Money on the Table: 3 company perks high income earners overlook.](https://mountaintopwealth.com/project/3companyperks) - By Roland McIntyre, CFP® When that offer letter landed in your inbox, do you remember the surge of adrenaline, the deep breath you took, soaking in the moment? A new chapter, a higher salary – it felt like a win. And it was! You probably focused on the big numbers: salary, 401(k) match, vacation days.
- [What is a CFP® Professional?](https://mountaintopwealth.com/project/what-is-a-cfp-professional) - By Roland McIntyre, CFP® Ever lie awake at night wondering, "Am I doing this money thing right?" Maybe you're curious about how to invest smarter, pay off debt faster, or finally start saving for that dream vacation. We all have financial curiosities, those nagging questions about our money that keep us up at night. That's
- [How Game of Thrones can teach you about taxes in 2025](https://mountaintopwealth.com/project/gameoftaxes) - By Roland McIntyre, CFP® Winter is coming... For many, these words evoke a sense of dread and foreboding. But fear not, fellow citizens of the realm! Just as a wise ruler prepares for the coming winter, so too must a wise taxpayer prepare for the coming tax season. Now, you might be thinking, "What does
- [Why the Black Community needs Financial Advisors (and No, It's Not Just for the Rich!)](https://mountaintopwealth.com/project/blackcommunityneedsfinancialadvisors) - By Roland McIntyre, CFP® Ashley is businesswoman, a young black businesswoman who grew up in a household where money was always tight. Financial literacy wasn't exactly a dinner table conversation, unless you count those intense debates about paying for bills after the holidays or a vacation. She entered adulthood feeling overwhelmed by budgeting, debt, and
- [Ready for an amazing trip? Vacation Planning](https://mountaintopwealth.com/project/vacations) - By Roland McIntyre, CFP® Ready for an amazing trip? Check out these cool places: The Bahamas: Imagine exploring beautiful coral reefs full of colorful fish or relaxing on the famous pink sand beaches. The Bahamas is perfect for people who love the beach, adventure, and peace. Cancun: Experience the exciting mix of old and new
- [Lebron: The NBA's GOAT of Investing for the Long-Term](https://mountaintopwealth.com/project/investlikelebron) - By Roland McIntyre, CFP® King James is hitting that milestone age of 40, and while Father Time is undefeated, LeBron's career is an absolute clinic in how to invest for the long game. Forget those "get rich quick" schemes, we're talking about building a legacy, just like LeBron! The S&P 500: LeBron's Longevity LeBron entered
- [Finding Joy in the Simple Things: A Path to an Enjoyable Life and Retirement](https://mountaintopwealth.com/project/thesimplethings) - By Roland McIntyre, CFP® Finding Joy in the Simple Things: A Path to an Enjoyable Life and Retirement The pandemic shifted perspectives for many, and for me, it underscored the profound value of simple pleasures and human connection. Remember those early days of lockdown? The world seemed to shrink, and our focus narrowed to the
- [Is Dave Ramsey Hurting Black Boomers' Retirement Chances?](https://mountaintopwealth.com/project/dave-ramsey-black-boomers) - By Roland McIntyre, CFP® As a sophomore in college, I vividly remember the excitement of buying my first Dave Ramsey book, "The Money Answer Book," from the Lifeway Christian Bookstore in downtown Nashville. Located near the TSU Avon Williams campus, the bookstore was a haven for those seeking spiritual and personal growth guidance. Ramsey's book,
- [Start The Year On The Right Foot](https://mountaintopwealth.com/project/2025ontherightfoot) - Start The Year On The Right Foot The beginning of the new year is the perfect time to discuss the various factors influencing your goals for 2025. For example, we can: Look at your progress toward your goals and consider any new goals you’ve set for yourself. Evaluate your insurance coverages to make sure
- [Tax Numbers for 2025](https://mountaintopwealth.com/project/taxnumbers2025) - Tax Numbers for 2025 Roland McIntyre, CFP®, ChFC® Level Up Your Tax Game in 2025: Numbers You Need to Know! It's that time of year again, folks, where numbers dance in our heads and spreadsheets become our best friends. Buckle up, because 2025's tax season is just around the corner, and guess what? I've got
- [How to get a tax deduction on your student loans](https://mountaintopwealth.com/project/taxdeductiononstudentloans) - By Roland McIntyre, CFP® 📢 Student Loan Borrowers: Don't Miss Out on This Tax Break! 📢 🎓 Did you know you can still deduct up to $2,500 in student loan interest from your taxes? 💰 Here's the deal: * Income Limits: To qualify for the full deduction for your 2024 tax return, your Modified Adjusted
- [A Double-Edged Sword: How the GI Bill Both Limited and Empowered Black Veterans to Build Wealth](https://mountaintopwealth.com/project/stocks-conquering-the-long-game-with-10000-and-the-sp-500-2-2-2-2-2) - By Roland McIntyre, CFP® As a Black financial planner and Air Force veteran, I've witnessed the profound impact of the GI Bill on Black veterans striving to build wealth and close the racial wealth gap. It's a complex legacy, one that has both helped and hindered us in our pursuit of financial stability. Understanding this
- [Squid Game Season 2: A Financial Planner's Take on Greed, Gambling, and Guilt (No Spoilers!)](https://mountaintopwealth.com/project/stocks-conquering-the-long-game-with-10000-and-the-sp-500-2-2-2-2) - By Roland McIntyre, CFP® Okay, folks, gather 'round the tv! Kesha and I had to watch and talk about this show, it's the global phenomenon that is Squid Game. I hope you have Netflix, if not I can't help you. I have enough family members on my account already. 😂 Now, before you start thinking
- ["Passive" Investing Explained](https://mountaintopwealth.com/project/stocks-conquering-the-long-game-with-10000-and-the-sp-500-2-2-2) - By Roland McIntyre, CFP® I hope this video gives you a laugh and a lesson. 😆🤣😂 With passive index investing, you basically say, "Hey, I want in on that action!" You invest in a fund that tracks the S&P 500, meaning it holds the same stocks in similar proportions. 📊 Think of it like this:
- [Stocks: Conquering the Long Game with $10,000 and the S&P 500](https://mountaintopwealth.com/project/stocks-conquering-the-long-game-with-10000-and-the-sp-500) - [embedyt] https://www.youtube.com/watch?v=rBbhUudoQwk[/embedyt] By Roland McIntyre, CFP® Imagine stepping into a time machine, setting aside $10,000 in 1940, and whispering a wish: "Make this grow for the long haul." Fast forward to today, and you'd be staring at a financial Everest, a testament to the power of time and patience. Let's dissect this hypothetical journey, revealing

## Portfolio Categories

- [GOALS](https://mountaintopwealth.com/portfolio-category/goals)
- [TAXES](https://mountaintopwealth.com/portfolio-category/taxes)
- [INVESTING](https://mountaintopwealth.com/portfolio-category/investing)
- [Financial Literacy](https://mountaintopwealth.com/portfolio-category/financial-literacy)
- [Retirement](https://mountaintopwealth.com/portfolio-category/retirement)
- [Stock options](https://mountaintopwealth.com/portfolio-category/stock-options)
- [Equity Compensation](https://mountaintopwealth.com/portfolio-category/equity-compensation)
- [College](https://mountaintopwealth.com/portfolio-category/college)