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Looking for anyone with experience with a FIDP Separately Managed Account. I’m not interested in turning over account management to them however for my equity position, their US Equity SMA appears to outperform the S&P500 after fees. Does anyone have any experience with this SMA and if so...

Looking at claiming options for SS. I’ve tried a couple of calculators (Open Social Security, My Social Security). Both of these solve for my optimum payout by delaying file date to 70 yrs of age. Wife would file now at 64 on her earnings an then claim spousal when I file. This scenario...

I’m looking over a proposal for a fixed index annuity and wanted to see if this forum had any experience or held this type of annuity. From what I’m seeing; Some level of asset protection Better return than fixed income options Up to 10% per year for withdrawal penalty free But: Poor...

Currently shopping the Marketplace for an ACA plan for 2022. Will transition to Medicare in October for myself however DW will have to remain with ACA plan. Does anyone out there have experience out there with this transition. Will my wife continue on the same ACA plan for remainder of the...

With the increase in treasury yields, shouldn’t we see CD rates improving? Would there be a significant Lang in what the banks offer?

I have spent the past 40 years saving and the past 7 years researching and planning for retirement. This included included running every planner I could lay my hands along with building out my own spreadsheet for better flexibility on retirement assumptions. I pulled the trigger as of Jan 1st...

I’m feeling caught in a perfect storm now. Turned in retirement notice back mid Feb and as with most of you have taken a heavy hit in the market. Currently at around 45% equities/35% bond/20% CD + cash. The cash position will cover around 4 yrs expenses until I take SS. At that point, small...

I’m a bit confused around the SS max benefit. In 2019, the max is $2861. When I use the benefit estimator on ssa.gov, at FRA, I see a benefit of $3015/mth. It is not additional income projected from now to FRA as I run the estimate with $0 as income from my retirement age. Either some...

I admit, I over analyze most decisions. Currently working through whether I get on the Retire in 2020 train or do OMY. As with most of you, my key concern is ensuring I have enough gas in the tank. So I’m building out three retirement cash flow scenarios (Best, Median, and Worst). The key...

I am far from a market strategist however there seem to be plenty of negative headwinds against the market these days (softening earnings, ongoing trade disputes among others). Considering moving a portion of my equity portfolio to a more defensive stance in energy and consumer staples...

I know many of you target a set SWR (3-4%). Do you consider this as your routine yearly spend without periodic expenses such as car replacement or major house repair or do you include these expenses within your SWR?

Help! I’m sitting here Sunday night with stomach churning about w*rk tomorrow and dealing with a major problem. My bucket is overflowing! I would love to retire at the end of the year (62) and be done. I’ve run FIDO planner multiple times and get a score of 110 and with FIRECalc a 98% cycle...

Around 2 months ago, I literally cut my landline...that’s a whole nother story. Thought my cell service (connected via WiFi would be adequate). Come to find sometimes it’s OK other times poor. Also tried a cell signal booster with no luck. I have HughesNet for ISP and am looking into their...

With all the assets we all,work so hard to accumulate for retirement, an umbrella policy would seem to make sense. I can imagine that a personal injury lawyer would go after those assets vigorously. Do you maintain a policy and if not, why? I am considering buying coverage however it is...

Hi fellow FIRE friends. I’ve settled on a date of Oct ‘19. Have run every FireCalc scenario I can imagine, answered all of the “Are you ready to retire” questions, and reached the point of being comfortable with the decision. Would go earlier if I didn’t have to bridge 4 years to Medicare...

OK....made my first step in putting a cash flow plan in place. Since I don't want sequence of returns risk to bite me right after FIRE, my plan is to build a rolling 5 yr CD Ladder in place. So I've moved enough from portfolio to fund the ladder. Yield is ~1.9% so not the greatest but safer...

Haven't seen this topic come up. What do folks on this forum do for life insurance after you loose company sponsored plans? My first Inclination was to not buy any additional but beginning to think About a 10-15 yr term policy in case anything happens.

OK...I've run Firecalc and (multiple other planners for FIRE @60) with 100% success. So I'm trying to wrap around an income plan that protects against inflation, sequence of returns risk. What strategies are you looking at or are having success with. I like the idea of guaranteed income...

OK, so after several years of building spreadsheets and using on-line planners to model retirement scenarios...I'm getting closer to pulling the trigger. For a second opinion, I hired a planner on a fee only basis for a review and am happy with the outcome. In modeling the income plan, I was...

OK, for those of you very close or just into retirement. What were your mental signals (beyond financial) it was time to retire. I can't decide if; a) I'm reaching a new level of laziness not seen before, or b). It's time to pull the plug on work.