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Roland McIntyre, CFP® | Mountaintop Wealth

Generational wealth and retirement education videos for financial freedom. I also run Mountaintop Wealth, where we provide financial advice and investment management.

Disclaimer: The videos and information provided on this platform are not tax, legal, or investment advice and are for education purposes only. While the information expressed in these videos is believed to be accurate Roland McIntyre nor Mountaintop Wealth LLC can make any guarantees to its accuracy at the time you watch the video.

If you are seeking specific advice, go to my website below to review our service options.

www.MountaintopWealth.com

Email: Roland@Mountaintopwealth.com

Roland McIntyre, CFP® | Mountaintop Wealth
Save money at the gas station.
Book: Ramit Sethi - I will teach you to be Rich - Book Review and Money lessons #financialplanning
What happens when you overspend on your budget?
After landing her first “grown-up” job, KP overspent on Christmas gifts and ended up scraping together change for snacks and relying on leftovers from a kind coworker just to get by. But instead of spiraling, she saw it as a wake-up call… and her budgeting mistake turned into one of her most valuable financial mindset shifts. In this episode, KP shares her journey from paycheck-to-paycheck stress to setting up autopay, building credit, and becoming the go-to person for money advice in her family. You’ll hear: - How a budgeting mistake turned into a powerful money lesson - The shift from counting down to payday to finding real financial stability - How a financial advisor became the accountability partner she didn’t know she needed - What finally motivated her to finish Ramit Sethi’s book I Will Teach You To Be Rich and share it with the next generation If you’ve ever struggled with managing money or wanted to talk more openly about finances with your family, this episode is for you! Disclaimer: Remember, this information is general and it's crucial to get advice personalized to your specific financial situation. For a deeper dive into strategizing your financial goals and building wealth, book your free consultation here: https://calendly.com/mountaintopwealth/free -- Money Peaks and Pivots is your safe space for real, practical financial information. In each episode, I help you navigate life’s Money Peaks and Pivots by skipping the judgment and focusing on solutions to turn your uncertainty into confidence! No jargon, no fluff, and most importantly: no shame. Your climb starts here! Produced by SpeakEasy Productions and hosted by Roland McIntyre of Mountaintop Wealth.
From Overdrafts to Autopay: Real Life Money Lessons | Episode 8
Stocks vs Bonds - What’s the difference?
Upside down Stock Market $$$
Small changes, Make a big difference $$$
Are you worried about the stock market heading into a recession, depression, or correction? Not even sure what those terms really mean? In this episode, I help you cut through the noise and understand what really matters for your investment strategy, and I share strategies that successful investors use to build wealth consistently, regardless of market turbulence. After listening to this episode, you'll know: - What dollar cost averaging is & how it can be your best defense against market timing mistakes - How to build a diversified investment portfolio with index funds instead of individual stocks - The truth about market fluctuations and why consistency wins - How to create an investment strategy aligned with your personal risk tolerance Disclaimer: Remember, this information is general and it's crucial to get advice personalized to your specific financial situation. For a deeper dive into strategizing your financial goals and building wealth, book your free consultation here: https://calendly.com/mountaintopwealth/free -- Money Peaks and Pivots is your safe space for real, practical financial information. In each episode, I help you navigate life’s Money Peaks and Pivots by skipping the judgment and focusing on solutions to turn your uncertainty into confidence! No jargon, no fluff, and most importantly: no shame. Your climb starts here! Produced by SpeakEasy Productions and hosted by Roland McIntyre of Mountaintop Wealth.
Investing During Uncertain Times | Episode 7
Who are you doing this for?
Book a complimentary meeting here : https://calendly.com/mountaintopwealth/free Want to learn more about retirement, building wealth and achieving financial freedom? Be sure to visit my website, mountaintopwealth.com, for more information on investing, personal finance, and building a secure financial future. Let's connect! Follow us on Instagram: @mountaintop_wealth Connect with us on LinkedIn: at Mountaintop Wealth. Don't forget to like, subscribe, and share this video with anyone who wants to take control of their finances and achieve their financial goals. MOUNTAINTOP WEALTH, LLC is a registered investment advisor offering advisory services in the State of Tennessee and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Mountaintop Wealth in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant to an applicable state exemption. All content on this site is for informational and educational purposes only. Opinions expressed herein are solely those of MOUNTAINTOP WEALTH, unless otherwise specifically cited. Mountaintop Wealth does not warrant that the information will be free from error. The material presented is believed to be from reliable sources and no representations are made by our firm as to other parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation. The information on this platform is of a general nature and should not be construed as professional advice. It is provided solely for the convenience of our clients and the public. None of the information provided on this website is intended as investment, tax, accounting, or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. The purpose of this YouTube Channel is to disseminate educational and general information regarding financial education, retirement, our firm and the associated persons of the firm and to provide an alternative means for a prospective client to obtain more information regarding the firm’s services. All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful. #financialfreedom #mountaintopwealth #turnthetvoff #chattanooga #chattanoogasmallbusiness #chattanoogaentrepreneurweek #cfppro #investing #stockmarketnews #financialadvisor #kendricklamar
Investing and Personal Wealth Presentation - At Chattanooga Entrepreneur Week
We start to collect, analyze, and develop your path to financial freedom or retirement. Monitor your progress so you can feel more confident about your financial future and focus on what's important in your life. Don't wait, reach out and change your financial future today. Schedule your free meeting here: https://calendly.com/mountaintopwealth/free We provide are a flat fee wealth management for our retirement clients. Your Climbs Starts Here.
How we do retirement, college, and financial planning at Mountaintop Wealth.
Saving money in the bank is not enough.
Get a free consultation with the link in my bio. #financialfreedom #mountaintopwealth #turnthetvoff #chattanooga #chattanoogasmallbusiness #chattanoogaentrepreneurweek #cfppro #investing #stockmarketnews #financialadvisor #kendricklamar
What happens when the stock market crashes?
Managing wealth isn't just about having it; it's about making wise decisions to protect, enjoy, and extend its benefits both for yourself and future generations. From retirement accounts, alimony, or an inheritance… if you’re navigating a sudden financial windfall, you need a solid plan. In this episode, I share critical information about capital gains, step-up in basis, probate, and gift exclusions. Those terms may seem like jargon now, but after listening you’ll have a clear understanding of them. Plus: - How to navigate tax consequences for various income sources - Strategic approaches to estate planning - How to protect yourself from potential financial predators Whether the money has come from hard work, investments, inheritance, or even a bit of luck like lottery winnings… the key here is enjoying the money AND making it last. Disclaimer: Remember, this information is general and it's crucial to get advice personalized to your specific financial situation. For a deeper dive into strategizing your financial goals and building wealth, book your free consultation here: https://calendly.com/mountaintopwealth/free -- Money Peaks and Pivots is your safe space for real, practical financial information. In each episode, I help you navigate life’s Money Peaks and Pivots by skipping the judgment and focusing on solutions to turn your uncertainty into confidence! No jargon, no fluff, and most importantly: no shame. Your climb starts here! Produced by SpeakEasy Productions and hosted by Roland McIntyre of Mountaintop Wealth.
Unexpected Wealth: How to Protect and Enjoy It | Episode 6
Your Social Security benefits are based on your highest 35 years of earnings (adjusted for inflation). If you continue to work and your earnings in those later years are higher than some of your earlier years (when you earned less), those higher earnings will replace the lower ones in the calculation, potentially increasing your benefit amount. Conversely, a significant and sustained decrease in working income could lead to a lower overall average if it impacts those highest 35 years. Timing of Retirement: The age at which you decide to start receiving Social Security benefits significantly impacts the amount you receive. Full Retirement Age (FRA): If you start benefits at your full retirement age (which varies based on your birth year), you will receive 100% of your calculated benefit. Early Retirement: Claiming benefits before your FRA (as early as age 62) will result in a permanently reduced monthly benefit. Delayed Retirement: If you delay claiming benefits past your FRA (up to age 70), your monthly benefit will increase by a certain percentage for each month you delay. Changes in Social Security Laws: While less frequent, Congress can pass laws that modify the Social Security system. These changes could potentially affect how benefits are calculated, eligibility requirements, or cost-of-living adjustments (COLAs). Cost-of-Living Adjustments (COLAs): Social Security benefits are typically adjusted each year to account for inflation, as measured by the Consumer Price Index for Wage Earners and Clerical Workers (CPI-W). If there is a rise in the CPI-W, your benefit amount will likely increase in January of the following year. However, if there is no inflation or a decrease in prices, there might be no COLA or a very small one. Book a complimentary meeting here : https://calendly.com/mountaintopwealth/free Want to learn more about retirement, building wealth and achieving financial freedom? Be sure to visit my website: www.mountaintopwealth.com For more information on investing, personal finance, and building a secure financial future. Let's connect! Follow us on Instagram: @mountaintop_wealth Connect with us on LinkedIn: at Mountaintop Wealth. Don't forget to like, subscribe, and share this video with anyone who wants to take control of their finances and achieve their financial goals. MOUNTAINTOP WEALTH, LLC is a registered investment advisor offering advisory services in the State of Tennessee and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Mountaintop Wealth in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant to an applicable state exemption. All content on this site is for informational and educational purposes only. Opinions expressed herein are solely those of MOUNTAINTOP WEALTH, unless otherwise specifically cited. Mountaintop Wealth does not warrant that the information will be free from error. The material presented is believed to be from reliable sources and no representations are made by our firm as to other parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation. The information on this platform is of a general nature and should not be construed as professional advice. It is provided solely for the convenience of our clients and the public. None of the information provided on this website is intended as investment, tax, accounting, or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. The purpose of this YouTube Channel is to disseminate educational and general information regarding financial education, retirement, our firm and the associated persons of the firm and to provide an alternative means for a prospective client to obtain more information regarding the firm’s services. All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful.
What is social security? Get the basics on social security retirement benefits.
Yes a 401k, 403b, and an IRA allow “catch up” contributions starting at age 50. Ready to transform your finances into freedom? Mountaintop Wealth is your guide to navigating the complexities of personal finance with a straightforward, educational approach. We're here to empower you with the knowledge and tools you need to build a secure financial future. Subscribe now for more insights and strategies on how to reach your financial peak! Interested in learning more about how Mountaintop Wealth can help you? Schedule your free consultation today! https://calendly.com/mountaintopwealth/free Disclaimer: Please remember that the information shared in this video is for educational purposes only and should not be considered specific investment advice. Consult with a qualified financial professional before making any financial decisions.
How to catch up for retirement? Use these rules and accounts.
When was the last time you truly evaluated if your career was serving your financial goals? Life changes and career transitions, whether voluntary or not, offer a chance to reassess your financial values and priorities. After experiencing job loss or a major career shift, it's easy to feel like it's the end of the world, but I believe in turning uncertainty into confidence, so let's talk about how a setback might actually be an opportunity to evaluate how we can be in a better financial position moving forward. After listening to this episode about navigating finances during major life transitions, you'll know: -The financial do's and don'ts when you leave a job or change careers -How to reflect on unexpected events in a positive way -Why it's perfectly fine to take time to process traumatic events before making major money decisions Disclaimer: Remember, this information is general and it's crucial to get advice personalized to your specific financial situation. For a deeper dive into strategizing your financial goals and building wealth, book your free consultation here: https://calendly.com/mountaintopwealth/free -- Money Peaks and Pivots is your safe space for real, practical financial information. In each episode, I help you navigate life’s Money Peaks and Pivots by skipping the judgment and focusing on solutions to turn your uncertainty into confidence! No jargon, no fluff, and most importantly: no shame. Your climb starts here! Produced by SpeakEasy Productions and hosted by Roland McIntyre of Mountaintop Wealth.
Navigating Major Life Changes: A Financial Reset | Episode 5
Restart, Reset, Refocus
Money Peaks & Pivots Snippet
Owning a home can be a great source of stability and security! But you don’t want to get in over your head, and it’s not as simple as making an offer and moving in. In this episode I explain the proper timing and steps to take when buying a house. You’ll walk away from today’s episode knowing: - The hidden costs of homeownership - How to calculate your debt to income ratio - Why your credit score matters - The various types of home loans (and pros/cons) Disclaimer: Remember, this information is general and it's crucial to get advice personalized to your specific financial situation. For a deeper dive into strategizing your financial goals and building wealth, book your free consultation here: https://calendly.com/mountaintopwealth/free -- Money Peaks and Pivots is your safe space for real, practical financial information. In each episode, I help you navigate life’s Money Peaks and Pivots by skipping the judgment and focusing on solutions to turn your uncertainty into confidence! No jargon, no fluff, and most importantly: no shame. Your climb starts here! Produced by SpeakEasy Productions and hosted by Roland McIntyre of Mountaintop Wealth.
Home Ownership 101 | Episode 4
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