Chicago Tribune, March 15, 2015 – Columnist Janet Kidd Steward presents ways to lower your taxes in retirement.  One way, even for people already retired, is to convert portions of tax-deferred retirement accounts to Roth IRAs in the first years of retirement when income is down to pay taxes on the conversion at a lower marginal rate.  The idea is to convert just enough so that the added income won’t push you into a new marginal tax rate.  Even if you can only convert, say $5,000 a year, if you do that for several years before required minimum distributions from retirement accounts kick-in, you could make a serious dent in the portion of your next egg that will be subject to required minimum distributions, notes Warren McIntyre, a financial planner with VisionQuest Financial Planning in Troy, Mich.

CNNMoney,  March 12, 2012 – In Do I need to diversify by target date funds?, Kate Ashford answers a reader question:  Is it safe to have the same target date fund from the same fund family in all of the accounts?  Ashford responds that target date funds provide a diverse blend of stocks and bonds based on your target retirement date (hence, the name), so investing in one target date fund isn't like putting all of your eggs into one stock basket. "By definition, the target date fund is an entire portfolio, with an allocation designed for that fund," says Warren McIntyre, a financial planner in Troy, Mich. "Therefore, it would be potentially appropriate in multiple accounts."  Even so, not every fund with the same date has the same allocation, so you can't choose on date alone. For instance, T. Rowe Price's Retirement 2025 Fund is 77% in stocks, while Fidelity's Freedom 2025 Fund invests 68% in stock. "People choose by name rather than the actual composition of the fund," McIntyre says. "You have to look a little deeper and do some homework before choosing one."  This should include looking at the fund's "glide path,"—or the way the fund is projected to grow more conservative over time—and make sure it matches your goals. "If the path seems reasonable to you," says McIntyre, "you've selected the right one."

The Detroit News, July 18, 2011 - Detroit News Finance Editor, Brian J. O’Connor writes that increasing life spans and health care costs - plus two recessions in the past decade - are prompting economists to lower the estimates for inheritances.  In Boomers bank on smaller inheritance, O’Connor outlines that stock market losses have reduced estates; but the big factor dragging down boomer inheritances is the drop in housing prices.  "Real estate took a huge cut, whereas investments have largely recovered for many people," says Warren McIntyre, a certified financial planner with Troy's VisionQuest Financial Planning. One positive factor for heirs is the shift from defined benefit pension plans to 401(k) accounts.  Whereas traditional pensions stop upon death, retirement savings plans can be left to offspring.  On the other hand, as people live longer they expend more for health care which can cause estates to dwindle.   The financial legacy from the Greatest Generation to the Boomer Generation might not be as much as originally thought, but it will still likely to be the greatest intergenerational transfer of wealth in history.

The Wall Street Journal, January 22, 2011 – In the weekend feature College Saving Gets Trickier, Jane J. Kim writes that after being pilloried by critics and written off by many families, 529 college-saving plans are getting better.  But well-heeled investors still would be wise to spread their bets around to help reduce the risk of relying too heavily on any one investment, and to build in more flexibility in case the money is needed for other purposes.  One option for greater flexibility is a regular brokerage account.  “There will be some taxes compared to the 529s, but the question is how much?” says Warren McIntyre, a financial adviser in Troy, Mich.  “I would contend it’s not a lot.”  An investor could construct a low-cost portfolio of exchange-traded funds, for example, that would likely generate few capital gains until they are sold, keeping taxes lower, he says.  Families with young children should consider low-cost, growth-orientated ETFs, says Mr. McIntyre, such as a broad U.S. stock market fund from Vanguard or BlackRick Inc.’s iShares, adding bond funds as the child grows older.

Detroit News, December 20, 2010 – Brian J. O’Connor advises his readers that “Gold Still Might Not be Worth its Wait”.  While the Gold To Go machine in Boca Raton, Fla., which dispenses 24-carat gold bars and coins, might be an interesting novelty, it’s not a way to rebuild your retirement portfolio.  Despite predictions that gold will hit $2,400 or more, it’s a speculative investment that doesn’t pay dividends or interest, writes O’Conner.  You gain only when someone else decides that inflation is going up and gold will soon follow.  “People should steer clear of gold completely,” says Warren McIntyre, a certified financial planner at VisionQuest Financial Planning in Troy, Mich.    “You know gold is near a bubble when you can buy it at an ATM.”, December 14, 2010 – MP Dunleavey writes about how to get back on track after a job loss.  After a period of belt-tightening, you might be tempted to splurge a bit.  However, you need to regain lost financial ground, from replenishing your emergency savings to paying off any debt you’ve accumulated to restoring your retirement account.   Regarding retirement savings, a slow ramp-up will ease the sting says Troy, Mich., financial planner Warren McIntyre.  Start with a small fraction of your pay and bump it up monthly or quarterly.  When the debt is finally gone and your cushion rebuilt, you can laser in on retirement.

Detroit News, October 18, 2010 – In his Monday column, finance editor Brian J. O'Connor writes about ways to “pump up your interest” as record-low interest rates across the country today may be good news for debtors but they’re really bad news for savers.  He explores a number of ways to find better rates.  However, when it comes to an insured, liquid savings account, “You have to be concerned with safety and return of principal,” says Warren McIntyre, a certified financial planner with VisionQuest Financial Planning in Troy.  “You can’t get a high return.  All you can get is the best available rate.”  What’s a savor to do?  It depends on how soon you need the money and how much more risk you can handle, McIntyre says.  “If you’re getting a higher return, you’re taking more risk.”  For investors who can accept some volatility, the article suggests longer term CDs, demand notes, CD ladders and short-term bond funds as viable options.  For those who require the security of a bank, though, a national on-line bank can provide a higher rate without any additional risk.  “If all you’re getting at your local bank is zero, then anything you get from an on-line bank is better,” McIntyre says.

Financial Advisor Magazine, September 2, 2010 – The connection between investment style of pension plans and individuals is discussed in this periodical for professional financial advisors.  Some pension plans turned too aggressive when the economy was strong and markets were rising, taking risks in equities and alternative investments.   Those big risks produced big losses in the downturn and, for many pensions and endowments, created problems funding obligations.  Now some are turning too conservative, which could hurt them down the road.  Many participants don’t need to tap their savings now, but instead need a strategy that ensures growth.  While the methodology used by individuals might differ from institutions, it’s still important for an individual to have a sound investment plan.  One advisor thinks you can learn good lessons from pension plans.  Warren McIntyre, a financial advisor in Troy, Mich. tells his clients “you have to in effect create your own little pension.”  He prefers to start with a traditional 60-40 allocation – then adjust for the individual circumstances - and use lots of index funds because of their diversity, tax efficiency and low cost.

Money Magazine, August 2010 – Financial planner Warren McIntyre helps a Southfield, Mich., couple fix their portfolio and blend their separate financial lives in the “Fix Our Mix” feature written by Kate Ashford.  Ashford notes that Michelle Spranger and Scott Zuckerberg have been married eight years, but have yet to marry their finances.  McIntyre suggests ways to integrate their plans and better communicate in order to achieve their common goals.  Michelle and Scott also need to be more aggressive savers and less aggressive investors, and he prescribes a 15% savings rate target for retirement and a significant reallocation of the investments.  While the couple in their early 40’s should still emphasize growth for retirement, it’s not prudent to have nearly their entire nest egg in the stock market.

The Wall Street Journal, May 2, 2010 – With many high school and college students graduating in the next month or so, advice for the new grad is the topic explored by Jane Hodges.  She poses a question to a handful of financial advisors:  assuming a lucky grad has as much as $10,000 to invest, what mutual fund or exchange-traded fund should launch a fledgling portfolio?  A variety of low-cost growth investments were suggested by the advisors, including the Vanguard Target Retirement 2050 Fund with diversified holdings of stocks and bonds.  Warren McIntyre, principal of VisionQuest Financial Planning LLC in Troy, Mich., likes the Vanguard fund too, but says that investors with less than the fund’s $3,000 minimum investment can get a very similar asset mix with the exchange-traded iShares S&P Target Date 2040 Index.

The New York Times, June 20, 2009 – In the Your Money column, Tara Siegel Bernard notes that the economic downturn has been steep enough to shake the long-held belief that the stock market, over time, will always deliver. She interviews financial experts, including John C. Bogle, the founder of Vanguard, to answer the question: what should you do right now with the money you have left? The investment industry warns that becoming too defensive can be costly in the long run, but investors near retirement need to be more cautious. Before the market’s sharp downturn, Warren McIntyre, a financial planner in Troy, Mich., typically reduced his clients’ stock allocations by about 1 percent each year. Now for older investors, he ratchets down their stocks by 2 percent each year once they reach 60. So a 65-year-old’s investments might be evenly split between stocks and bonds. While advisors take a variety of approaches when it comes to portfolio allocation, most agree that there is no one formula and each investor should decide based on their personal situation and comfort level with risk.

The New York Times, June 1, 2009 – Times writers Ron Lieber and Tara Siegel Bernard seek the help of financial planners to respond to on-line readers’ questions about the fate of G.M. stock as it nears bankruptcy, such as is it worth anything, and what options exist for shareholders? “People assume that there is an upside even in bankruptcy because they know that companies emerge from bankruptcy as ongoing enterprises and the stock trades again,” said Warren F. McIntyre, a financial planner in Troy, Mich. “However, they don’t realize that usually a new share class is issued and the holders of the old shares are wiped out. This is what happened to Kmart, which was also a Detroit company.” The government’s involvement could change things this time, and there could be some upside, but Mr. McIntyre concludes, “My advice, though, would be to sell G..M. stock to preserve what little value is left.”

Detroit News, May 11, 2009 – Finance Editor Brian J. O'Connor writes in his Monday column about ways to fix investors’ scrambled nest eggs following the stock market slump of the last 16 months. He predicts that the market will come back and discusses what you should do while waiting. Plotting your strategy is the best place to start, but you might also need to save more and look at retirement a little differently. “Whatever income you think you’ll need, subtract the sources you know you’ll have and the rest is what your nest egg creates,” says Warren McIntyre of VisionQuest Financial Planning in Troy. If the current prospects for your retirement stash are too low, it’s better to work longer, take a second job, cut back on expenses or trim your retirement costs now, rather than run out of money when you’re older - and run out of options. O’Conner further advises that if your nest egg took a big hit and you’re close to retirement; consider working with a fee-only independent financial planner to get back on track.

MSN Money, October 28, 2008 – With stock market volatility at historical highs, Tim Middleton takes a closer look at the strategy of dollar cost averaging, or DCA. His analysis shows that DCA doesn’t necessarily reduce risk, nor lead to better performance compared to lump sum investing. The concept is explored from different angles, but Warren McIntyre of VisionQuest Financial Planning in Troy, Mich. says that the situation he often sees is a client faced with a decision regarding a once in a lifetime lump sum of money, such as an inheritance or 401(k) rollover. Most of his clients choose to invest immediately to just get it done, but he says “For someone skittish about the market by nature, especially during a volatile time like now – I think DCA is a great strategy from a psychological standpoint”.

Detroit News, February 1, 2008 - Money & Life editor and columnist Brian O'Connor addresses the question that many people have been asking: should you invest in gold? After all, with the precious metal recently hitting new highs, investors don’t want to miss out on a good opportunity. The author points out that gold really shines during periods of inflation and political instability, when commodities like oil, soybeans, rubber and precious metals all do well. And now, as the dollar falls and inflation rises, gold is gleaming. However, he concludes that for the typical investor, gold is way too speculative to make any sense as a long-term holding. "I don't invest in gold and I don't recommend that my clients invest in gold," agrees Warren McIntyre, a certified financial planner who runs VisionQuest Financial Planning in Troy. "Gold over a long time period gives virtually no return on your money.", December 11, 2007 – Choosing between you and your kids is the topic explored by Samuel Fromartz. Many planners recommend “pay yourself first” when deciding between retirement or college funding. As a parent, you often want to put your kids first, but it might not be the smart thing to do – for you or for them. “There are many different ways to pay for college education when the time comes, but if you haven’t saved and invested properly for retirement, you will be out of luck,” says Warren McIntyre, a fee-only planner with VisionQuest Financial Planning in Troy, MI. Fromartz adds that, if you spend all your savings on your kids’ education, you might leave them in the uncomfortable position of supporting you in retirement., April 19, 2007 – Rob Wherry writes A Primer on Measuring Risk in Mutual Funds as a recent 416-point drop in the Dow brought the topic of risk to center stage. He explores various ways to put risk exposure into focus: some easy ways and some more sophisticated metrics. Regardless of which method you choose, you must weigh both your tolerance for risk and your capacity to sustain a loss. When meeting with a new client, Warren McIntyre, founder of VisionQuest Financial Planning in Troy, MI, goes through a checklist starting with financial goals, but the conversation ultimately turns to risk. “You have to know how they feel about it and how much they can stomach” he says, but at the same time, “some people can’t afford to lose”. Every investment has some kind of risk and the trick is to find the right balance between the many types of investments. According to McIntyre, the best defense against too much risk is a well-diversified portfolio., January 2, 2007 – Personal Business editor, Lauren Young, offers readers Seven Steps to a More Prosperous 2007 by talking with a team of financial advisors about real-world situations. Warren F. McIntyre, a certified financial planner at VisionQuest Financial Planning in Troy, Mich., advises one participant to think about purchasing long-term disability insurance to protect his income during his working career and to consider a policy that permits him to buy an increased benefit as his income rises. “Self-insuring a long-term disability is very expensive,“ McIntyre notes. “You can’t count on Social Security disability to provide adequate coverage."

NAPFA Planning Perspectives, September 2006 – This free quarterly newsletter is published by the National Association of Personal Financial Advisors to provide the general public with independent educational material about important financial matters. NAPFA member, Warren F. McIntyre, writes an article in the September 2007 issue called Asset Location Joins Asset Allocation As Investment Necessity. Asset location refers to deciding which investments should be placed in taxable accounts, and which should be in tax deferred accounts. Since taxes reduce the net return that an investor receives, optimal location can make a portfolio more tax efficient and thereby boost after-tax investment return.

Baltimore Sun, September 17, 2006 – In her On the Money column, Gail MarksJarvis answers the question of a 58-year old man who has lost his job and is seeking advice about withdrawing $170,000 from his 401(k) to payoff his mortgage. The columnist notes that this strategy would provide peace of mind for the moment, but in the long run would put him in worse shape. Warren McIntyre, a Troy, MI financial planner, also cautions against raiding the 401(k) to eliminate a low-interest rate mortgage saying that it could cause him to jump a couple of tax brackets and perhaps double his taxes. McIntyre says that if he can’t find another job a better strategy would be to take out just enough to cover the mortgage payment. This approach would avoid unnecessary taxes, provide more flexibility and protect his retirement nest egg.

Chicago Tribune, June 18, 2006 – In the Your Money column, Janet Kidd Stewart addresses the common dilemma faced by Americans on how to prepare financially for the day when ill health might cause them to need help getting by. A couple in their 70’s asks if they should move to an assisted living facility even though they are currently healthy and active. Warren McIntyre, a financial planner in Troy, Mich., doesn’t think buying into assisted living facilities too early just for the peace of mind is worth it saying “I don’t think I’d pull the trigger until I actually needed assistance”. One strategy that can help with longer-term planning is to purchase long-term care insurance, which McIntyre generally recommends clients obtain when they are in their 50’s.

Associated Press, March 28, 2006 - When it's time to get a new car, you might be more fixated on leather seats, a sunroof and the sound system than financing details, but Meg Richards looks at some other points to think about if you're considering a lease.  One word of caution is don't be confused by a sales pitch focused on monthly payments.  If you're determined to get a new car, negotiate price first and financing second.  Warren McIntyre, a financial planner in Troy, Mich., says that when he shops for a new vehicle, he doesn't even mention leasing until he's nailed down a price.  "The biggest mistake people make is walking in and saying they want a lease," McIntyre said.  "That way the sales people will be talking monthly amount the whole time."

The New York Times, February 12, 2006 – Mutual funds seem like such a simple way to invest, but they pose a remarkably complex set of issues for taxpayers according to author Robert D. Hershey Jr. The article discusses a number of tax issues that impact mutual fund investors, including the 2003 tax law shifted incentives governing the location of fund assets. “It used to be that stock funds would be put in tax-deferred accounts and income-based investments would go in taxable accounts,” said Warren McIntyre, the owner of VisionQuest Financial Planning in Troy, Mich. This, he said, reflected higher tax rates of an earlier time and the fact that retirement income is normally taken first from taxable accounts. But the tax act further cut capital gains rates and chopped the maximum rate on qualified dividends to 15 percent. The new law prompted McIntyre to shift income-oriented funds that do not qualify for the 15 percent dividend rate – real estate investment trusts and high-yield bonds, for example – into retirement accounts, and move growth stock money into taxable accounts.

U. S. News & World Report, January 16, 2006 – The ubiquitous 401(k) celebrates its 25th anniversary in an article by Paul J. Lim called Birthday Bash! These employer sponsored retirement accounts, which allow workers to set aside a portion of their salary before taxes, have been a boon for those with the discipline and foresight to take advantage of them. However, Lim points out that many people do not take full advantage of them and are not financially prepared for retirement. The article discusses ways for them to jump-start their 401(k)’s and deal with a potential retirement savings shortfall, including delaying retirement. But instead of working full time longer, some workers plan to work part-time during retirement. “Even $10,000 or $15,000 a year in part-time income can help”, says Warren McIntyre, a financial planner in Troy, MI.

Fidelity Investor’s Weekly, November 2005 – Minimum required distributions are examined by John Rubino in this educational publication by Fidelity Investments. This topic creates a great deal of angst for retirees. Rubino provides a review of the basics and presents some ideas for minimizing both the complexity and the cost of MRDs when integrating them into your income plan. Warren F. McIntyre, a financial planner in Troy, Mich. offers some tax planning advice for investors who have both taxable and IRA accounts. If your MRD can meet your income needs, it may make sense to shift your taxable accounts from income-generating instruments, like bonds, to “tax efficient” vehicles, like some growth stocks and low-fee equity funds.

Chicago Tribune, October 9, 2005 – Columnist Janet Kidd Steward enlists fee-only financial planner Warren McIntyre to help a St. Joseph, Mich. couple with some common and some not-so common retirement planning issues. Perched on the retirement threshold, the couple faces a quandary as their portfolio and home both need major work. McIntyre prescribes a total restructuring of the portfolio to eliminate their high cost investments and to reduce risk. He also evaluates several scenarios to renovate their combination three-flat residence and rental property which they are relying on for additional retirement income. In addition to overhauling their home and investments, McIntyre helps the pre-retirees with questions regarding when to take social security and how to deal with other critical issues affecting their golden years.

MSN Money, September 29, 2005 – To fill the gaps in your portfolio, columnist Timothy Middleton highlights five funds that cover areas often overlooked by investors. Many financial advisors like broad exposure to the debt of developed or developing countries. “At any point in time, there are (other) countries with higher yields than U.S. bonds, so it doesn’t make sense to ignore a huge segment of the global market,” says Warren F. McIntyre, principal of VisionQuest Financial Planning in Troy, Mich. McIntyre suggested the Loomis Sayles Global Bond Fund to get exposure to international bonds as a building block to a complete portfolio.

Advising Boomers Magazine, May 2005 – In this new publication geared to the special issues of the Baby Boom generation, Susan Weiner outlines both sides of the debate between financial advisors regarding the use of tax deferred annuities as a retirement planning alternative. Coming down strongly on the side against variable annuities, Warren McIntyre lists the disadvantages which make them a poor investment vehicle. The popular equity-indexed annuities, which purport to offer downside protection while allowing the investor to enjoy the gains of the stock market, are a good idea in theory - but are too complicated, inflexible and expensive, he says. “You give up much of the potential upside because there are various mechanisms to cap what you earn, such as the participation rate whereby the contract holder only participates in a percentage of the growth in the index.”

The Detroit News, May, 16, 2005 – In the popular Money Makeover series, Warren McIntyre consults with a young couple to help them achieve a variety of financial and lifestyle goals, including retirement for themselves and college education for their 1-year old daughter. He outlines a game plan to prioritize and address each specific objective as efficiently as possible. Fully funding retirement accounts - such as 401(k) and Roth IRA accounts - should be done before contributing to specific college savings accounts like 529 plans. McIntyre explains that there are many ways to deal with college costs, including low-cost student loans - and even tapping a Roth IRA without penalty if necessary - but “nobody will lend you money for retirement.”

MSN Money, April 26, 2005 – Timothy Middleton highlights seven highly effective ways to weather today’s volatile market. Warren F. McIntyre of VisionQuest Financial Planning in Troy Mich. notes that many people have too much money in one stock - especially their own company stock – but are reluctant to sell it when the price is depressed. “To reduce the discomfort of making a large change at one time, I recommend that they average out of the stock by moving a little bit at a time,” such as one-twelfth of it per month, he says. The ultimate goal of Middleton’s seven-step program is to reduce the exposure to stocks in the portfolio, but with the exact proportions determined by factors such as age and risk tolerance.

Business Week, February 7, 2005 – Ellen Hoffman takes on variable annuity salespeople in her article “Annuities: Don’t’ Believe the Hype”. Many of the tax benefits of variable annuities no longer exist, but the hard sell continues, she reports. The article describes the aggressive sales practices used to sell these high cost products and how a consumer can respond to them. Variable annuities “are tax inefficient, difficult if not impossible to understand, and have high costs,” says Warren McIntyre, a financial planner in Troy, Mich. In the end, she concludes, you still might want a variable annuity, but make that decision after careful consideration of the product and alternative solutions – not because someone pressured you into it.

The Detroit News, January 3, 2005 – As the guest financial expert, Warren McIntyre helps a savvy youngster fire up her financial future in the Money Makeover series. In this installment, the barely twenty-something participant hopes to pay down credit card debt and start saving for a house down payment. McIntyre advises that she has youth on her side and should be able to accomplish her goals - so she doesn’t have to scrimp too much. “It’s important to both live for today and save for tomorrow.”

The Detroit Free Press, December 30, 2004 – Detroit Free Press business writer, Alejandro Bodipo-Memba, in a series about getting the most out of early retirement, examines situations where employees seek early retirement and when employers push them toward the door. “It is usually thrust upon them when they are not ready for it, and it can be a little traumatic,” said Warren McIntyre, a certified financial planner in Troy. The company usually initiates it to reduce the number of employees.” The article looks at things to keep in mind before taking early retirement.

Financial Planning Magazine, December, 2004 – Author Susan Weiner examines the world of small cap funds. The article cites a trend toward advisors using index funds and exchange traded funds rather than actively managed funds in the small company segment of the market. “I still subscribe to the thinking that a good small cap fund manager has a better chance of beating the benchmark than a large-cap manager, “says Warren McIntyre, CFP® and principal at VisionQuest Financial Planning in Troy, Mich. “The biggest issue I see with actively managed small-cap funds today is that the best ones keep closing,” he adds.

The Detroit News, June 14, 2004 – As the guest financial expert for the Money Makeover series, Warren McIntyre helps a long-time sales manager and his wife transition to self-employment after a late career layoff from an auto parts company. The recommendations included restructuring the portfolio to withstand a year or more of unemployment until the new business as a manufacturer’ representative gets off the ground. The need to reduce the risk of the portfolio was emphasized now that the couple is closer to retirement. The advice included how to counter the pitfalls of the current low interest rate environment. McIntyre also presented some tax strategies to take advantage of the couple’s lower tax bracket during the transition period., May 14, 2004 – With the threat of rising interest rates, senior writer, Ann Perry, takes a look at what financial advisors are telling investors to do to prepare their investment portfolios. “We’re kind of in a fix. There is no good answer, “said Warren F. McIntyre, a fee-only CFP® with VisionQuest Financial Planning LLC in Troy, Mich., who advises clients but does not manage their money. He noted that almost every portfolio needs some bond exposure, but this is not a good time to buy or hold them. His goal, then, is to reduce the average term of bonds held and diversify the types of bond investments. One possibility, McIntyre said, is to trade off interest rate risk – the risk that as rates move higher, bond principal will fall – for credit risk, the risk of a borrower’s inability to repay the bond. He also recommended diversifying with international bond funds and U. S. Treasury Inflation Protected Securities (TIPS).

Kiplinger’s Personal Finance – Safe Investing, Winter 2003 – This special publication contains an article called Good Guidance which explains how to find, evaluate and deal with financial advisors. Everyone gets pricked by financial thorns from time to time, but author, Courtney McGrath, guides investors through the process of obtaining qualified professional help. Warren McIntyre and other financial planners offer tips for investors who are confused and need help. “Getting referrals from family and friends should always be your first stop, but you may not be successful, “says McIntyre. “So many people have had unpleasant experiences with a planner who sold them something and was never heard from again. “ The author recommends fee-only planners because they don’t rely on sales for their livelihood and suggests looking at “planner locators” on web sites such as of the National Association of Personal Financial Advisors.

The Detroit News, December 1, 2003 – Warren McIntyre provides a Money Makeover for a young engineer looking to return to school full time and then change careers. McIntyre suggests that the 28-year old man contribute the maximum to his retirement accounts while still employed and use student loans rather than deplete his cash hoard to pay for tuition. He also offers other specific suggestions for managing his resources efficiently during the transition. Although most people would not undertake such a dramatic change in lifestyle, McIntyre provides encouragement, “This is your vision and I encourage you to go for it.”

Financial Advisor Magazine, October, 2003 – David J. Drucker looks at the debate within the financial planning business over the question of whether it’s appropriate to use annuities in IRAs and other qualified accounts. Not too surprisingly, those who find favor with this practice are often the ones selling annuities. Warren McIntyre argues, “Annuities are sold because the ‘advisor’ makes the most money on this product.” In which case, adds McIntyre, is the seller really going to avoid the huge IRA market just because it’s the right thing to do? “Of course not,” he says.

The Detroit News, September 15, 2003 – In the Money & Life section, Warren McIntyre appears again as the Guest Expert to provide a Money Makeover for a 55-year old auto worker hoping to retire in five to seven years. McIntyre offers suggestions to achieve his goal, including restructuring his portfolio to reduce exposure to the stock market and increase the return on other investments. “We want to improve the yield on the conservative things and reduce the risk of the aggressive things.”

The Detroit News, August 11, 2003 – In the Money & Life section, Warren McIntyre, as the Guest Expert, provides a Money Makeover to help a hard working college student get an early start toward financial freedom. This feature highlights some important financial planning concepts for young people. “It’s extremely unusual that you are starting this young,” McIntyre said to the 20-year old. “A lot of people with $10,000 would be using it for cars and stereos.” He adds, “But when it comes to money, time is everything.”

Business Week On-Line, June 26, 2003 – Ellen Hoffman, in her article “A Lesson in Saving for College” addresses the squeeze some people feel as they try to save for their golden years and also put children through college. Warren McIntyre provided input and strategies for helping people deal with this difficult planning issue. The article makes the case that retirement funding should take precedent over college funding. McIntyre says keep this in mind: “There are many ways to pay for college. However, with retirement, you get just one chance. If you have neglected retirement funding, you could be out of luck in the future.”

Kiplinger’s Personal Finance, June 2003 – Warren McIntyre is quoted in a piece on wedding insurance. In his article, “The Big Hitch”, Mark K. Solheim writes that you should give the cold shoulder to this new product peddled by the insurance industry. Although wedding insurance may give you peace of mind, says McIntyre, “it’s a way for insurance companies to profit by creating a need that doesn’t exist.”

NAPFA Press Release, April 2003 – The National Association of Personal Financial Advisors, the leading national organization of comprehensive Fee-Only financial advisors, announced that Warren McIntyre of VisionQuest Financial Planning LLC in Troy, MI had been accepted for membership after passing their rigorous screening process. NAPFA Chairman, Steve Kanaly, said: “NAPFA membership is often cited in the national press as the most difficult to obtain … membership denotes a real accomplishment for any financial planner.” To become a member of NAPFA, a Fee-Only financial advisor is required to submit a comprehensive plan for a full-scale review and a member must satisfy the highest continuing education standards imposed by any financial advisor trade group and sign a Fiduciary Oath agreeing to place the client’s interests first. Chairman Kanaly welcomed Warren McIntyre to the ranks of NAPFA, and indicated that he expects great things in the future from the new Association member. Read Press Release.

Observer & Eccentric, March 28, 2003 – Warren McIntyre is spotlighted for launching VisionQuest Financial Planning LLC, a fee-only financial planning firm in Troy, Michigan focused on meeting the unique needs of middle income Americans. “Our service offering is based on the idea that there is a large underserved segment of consumers who are willing to pay for independent advice to help them reach their lifestyle goals. Most people don’t have complicated issues or need sophisticated planning,” McIntyre is quoted, “they just need some periodic guidance.”

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