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it is difficult to give financial advice when you provide so little financial data. from your post it is not clear whether "400K in retirement plans, and about 500-600K in company equity" is a part of "1.1 million in stocks/bonds/cash" or not. also your current yearly expenses and savings would be necessary info. will you require the same expense level in retirement as now? any expected pensions and what is your expected SS? etc.
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