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What’s your opinion of VG’s financial advisor services?. In my situation, just retired with a nice portfolio of balanced and index funds, I’m not sure I see the 30 basis point cost. In rough numbers, $10k per year. I’ve always done my own thing; mix of growth and index funds, low cost; does...

Just wanted to talk some, maybe get some advice. Had one hellacious career, a battle. We Retired approx 5 years ago. Lots of medical issues for me, heart mostly. Bypass etc. Now, it’s just me, I’m 61. Lost my much better half. She passed away 8 weeks ago to a unknown (to us) illness...

I wanted to know what the members of the forum think on the topic of buying additional service credits; 5years/60 months addition. Just finishing my 30 years service, state government pension and have the opportunity to buy an additional 5 years of service credits. Basically, an single premium...

Or, companies have you worked for? Qualifiers, if I may: 1. need to be compensated for the work 2. after schooling 3. acquisitions count 4. large companies, divisional changes, new jobs count Me, I'm working on my 16th in 32 years. Talk about a rolling stone.........

Well, not sure how to really start this string, so I apologize in advance for my "ramblings". Some background, DW and I are mid-50's, advanced degrees and corresponding experience, 35+ years working in gov and megaCorp jobs. It's been a very, very long haul for us. We're close (less than 2...

Here's our situation; DW about to retire, guvmint/state job, 30 years of service, looking at buying the 5 additional years of service offered. Formula is .0057184/mo or 6.8%/yr return (principal and interest); up to 3%COLA (my favorite thing); can get an extra $330/mo for $57k(plus change)...

Back again after a hiatus, actually just working my buttcheeks off......70 hours per week, the "new" normal. A couple of years away from RE, man.....it's just painful. I mean just absolutely awful. The mega MEGA corp that assimilated us a year ago (hostile, btw) is absolutely insane. The...

Just thought I'd communicate a investment product being pushed by the megaCorp. They were bragging that this is first of it's kind, a do-it-yourself annuity through people you can trust. You know, those kind, considerate, helpful people at megaCorp. Actually, the proceeds will help fund the...

Need a little help or maybe just a shove in the right direction for partial enlightenment. Bear with me, just a little background, first: DW and I, early fifties 3-4 years from FIRE, 55/56 or we think (Firecalc say fire away easy then); $1.3M mostly deferred now; 457,401k, traditional IRA's...

Unfortunately, the megaCorp I worked for was acquired (takeover, it appears) by a 10x MEGACORP. Not good, as you might have guessed, it appears benefit cuts are only the beginning. Anyway, we were just TOLD our 401k assets were being moved to a new administrator. Our new admin is Aon...

Just getting my feet wet on the forum; it's good and learning quite a bit, so far. Gotten through about 5 books on the recommended list. Three questions: 1. What's your asset allocation? 2. So you plan to modify as you and/or your significant other get older? 3. Time to retirement? or...

Well, recent newbie to the board. Lots to learn, trying to absorb. Background first: Two of us, no kids, pretty worthless neices/nephews, could easily die broke, if there is a remainder would go to local college for scholarships. Both worked in prof jobs all our lives since late 70's, in our...