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Thanks Sam! That's pretty much my strategy right now, I don't like annuities though there may be some acceptable ones out there. Once we finish paying off the mortgage in late 2014, we will be able to funnel $60,000+/year into taxable funds or stocks. Even if the market returns 0%, we should...

Thanks Joe! Unfortunately, no Roth 401k available at work and over the income limit for Roth IRA. Have thought about conversions, but have difficulty figuring out whether it is or isn't the right thing to do, so never pulled trigger on a conversion. Even though I dont approve of Obamacare, it...

Thanks ! OB

I am 45 and my wife is 49. I have lurked here for years and actually posted on this thread a few years back. Now that we are 10 years out from our planned retirement date, I know I have to get more serious on issues like social security strategy, withdrawal strategies, and healthcare options. We...

Zarathu, know where you are...nice area. We are half way between Philly and you...near the nuclear power plant Rescueme...the clue was way to easy...you should have said "home of the Iron Pigs"..that would have been a little tougher

Gee thanks for the snow update :nonono: G worker, I am also more of a Philly burbs person, but figured it was easier to just say philly....nice to have that pension, maybe I should switch careers

Ouch, you have to hate those unexpected tax bills. I have about 20% in taxable accounts, about 5% in various IRA's (Roth and Non-deductible) and 75% in rollover IRA's and 401K's. How close to retirement are you (or are you already retired)? How much of gap did you/are you covering before Soc...

Thanks for your input. It is always nice to bounce strategies and ideas of another person ! I thought (I am probably wrong) that you had to pay taxes on % that is converted that was un-taxed. In other words you can't just select certain years to convert and leave other years alone, you pay taxes...

Thanks Travelover! I am using mainly a muni bond fund for my state, but if there are other options out there I am all ears. My biggest issue in saving for retirement is that we are excluded from the ROTH and I am limited by my 401K plan to no more than 5% of my salary. I have looked into a ROTH...

Just joined the community. I am 41 and my wife is 45, we have no kids and plan to retire at 55 (59 for my wife ;)). Excluding our home we have about $725,000 saved so far. We are trying very hard to pay the house off and if we stay on track we will have that done in 2016. We have no other debt...