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Hi, from Sunseter . I am 41 yrs old married with 3 children 19, entering college , 13 and 9 yrs of age . I have been self employed for 23 yrs. but somewhat burnt out. I would like to semi - retire next year. I have approx. 3.5 mill in assets 40%equities 60%cash not including my home worth 275k...