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We are retired, I am 67, the higher earner, am waiting till age 70 to file for social security. DW is 62 & is getting social security, Can I claim the spousal benefits now & still claim my own benefits at age 70. ? Thanks

I am looking for a ETF for money in our IRAs, At present I have our money predominantly in CDs but I want to start a ETF to transfer some money as the CDs mature. Expense Ratio is 0.19%, I know quite more than the 0.03% of BND. It is a part of Couch Potato Portfolio, the philosophy of which...

How to remember the many passwords of different accounts I have ? Do you use the password software where it puts in the password ? How do you find the password software ?

I need help in investing our fixed income, the 30% in our 70/30 Portfolio, which is in money market funds at present. Been a basic 3 index fund - VTI, VXUS & BND (& VWIUX) investor all along, till the interest rate hikes & bond fund losses came knocking & I jumped ship on the bond BND Etf. Our...

I am searching for a personal Ledger for recording & maintaining buy/sell records of our investments at the 3 Brokers I use. I forgot about a sale of ETF shares at Vanguard I did earlier in the year, & after finding out, I am now doing tax loss harvesting for. Better finding out now rather than...

Taxable Account - VGSH vs Buying Short Term Treasuries Please help me decide which route to take - At Fidelity either to start buying Short Term Treasuries VS buy VGSH - Vanguard Short Term Treasury ETF VS continue with SPAXX Fidelity Government Money Market. ?? I have been a Mutual Fund/ETF...

Please take a look & give your opinion on how many & which ones to keep & which ones to show the door ?? We find ourselves with too many banks & too many credit cards & I am going towards another Bank, the Chase Private Client Account (for the $$ bonus). Here are our Banks & Credit Cards ...

Please give feedback, thankyou in advance - I am 67, DW is 62, both retired, our 2 kids have flown the nest We live in a paid off home, Pay credit cards at end of the month, We spend around $200 - $225k a year including taxes, our income is solely from dividends & selling VTI, we are in 24%...

I sold some Bond Funds in Taxable accounts & have a Capital Loss of around $9000 so far. How can I Tax Loss harvest, please help me with what are my options. Can I 1)Sell VTI with a gain of $3k & 2)Take $3k against ordinary income & 3) Forward $3k of loss against next year taxes. or 4) Buy...

I am looking at doing either a CD vs Treasury Ladder with about $250k each in my & DW's IRA at Schwab, I think FED may raise rates another 1 or 2 times max this year. Which route to take ? please help me decide Thankyou in advance.

I have been using this site to aggregate my Banking & Credit Cards & all of a sudden it asks me to get a new password & has stopped me from accessing their site. Personal Capital was a very popular site, it was bought over by Empower & now it has stopped me to access it. I had a few years of...

Trying to make Portfolio changes I am trying to make changes to our Portfolios & am looking for 'Portfolio Tester' which was available at Vanguard. I am at almost all at Fidelity & Schwab now. If I do not find anything useful, I may end up entering all our accounts as OUTSIDE Accounts at...

I am fairly satisfied with my retirement with - - Regular Exercise - mostly walk daily - Money will outlive us, at least on paper - Lovely family, 3 wonderful grandchildren - Volunteer at 2 places- Free Clinic & County Garden Extension (& till recently at Meals on Wheels, DW still does) -...

I am waiting till age 70 to claim my SS benefits & one of the reasons for waiting is DW to get my higher SS benefits I will draw at 70. Open Social Security has suggested for me(higher earner) to draw my benefit at age 70 & DW to draw her own SS benefit at age 62. I am 66 & have reached the...

Does Life of Social Security Trust Fund question when to claim yours ?? I am 66 & am planning to claim SS at age 70, although I can claim full retirement benefit now. Reading reports about Social Security Trust Fund getting depleted in 2033, leaves me unsettled about my plan of waiting to...

Does any one have an idea, how much to (or does one) keep in Tax Deferred Accounts-IRAs for - 1)Tax Free Withdrawals for Charitable causes after age 70.5 - How much is allowed ? Is it one time or every year after age 70.5 ? 2)Tax Free Withdrawals for Long Term Care, I want to have an idea how...

I have a taxable account with + $ 1 million - Revocable Trust at Vanguard , In an attempt to consolidate at Fidelity I had completed the transfer of assets form from Vanguard at the local Fidelity Branch Office. Fidelity Rep says Vanguard is not releasing the assets as they say the wording of...

We are looking to gift a starter house to our unmarried son . In case of an unfortunate future divorce would this gifted house be subject to equal division or remain his property. Thanks

Looking for pointers & suggestions -- When to claim Social Security ?? I am 66 having reached FRA & DW is 61. Our SSA benefit estimates are - I if claimed today the benefit is $ 2948, and at age 70 the benefit increases to $3416 DW if claimed in a few months at 62 $1209 and at FRA of 67 will...

I am new at tax loss harvesting, Last year I sold FSKAX at Fidelity with around $7000 long term gain and also at Vanguard I sold the Muni Fund VWIUX with a $7000 long term loss. Would I have to pay capital gains tax on the gain of $7000 ?? Thanks

I am treading quick sand when I try to project my 2022 MAGI for 2024 IRMAA & my Income Tax Totals for the year - I have - 1) VTI 2) VXUS 3) VBIRX The difficulties I face are - I moved part of our Taxable accounts to Fidelity, although keeping the same Vanguard ETFs/MF. That is causing part...

I want second opinions/critiques & holes through our investments, Asset Allocation, any changes suggested, etc ... We are retired, I am 65, DW is 60, our living expenses are all from our investments of $ 8 mil +, Both kids launched, yearly conservative spend including taxes & gifts $175k...

With the recent Volatile Market I have made few transactions within our IRAs towards rebalancing. To my understanding, a Wash Sale Rule does not apply as both buy & sell transactions are being made in an IRA, as opposed to one or both of the transactions are being made in taxable account. A...

I have VWIUX TAX EXEMPT INTERMEDIATE BOND FUND in our Taxable Accounts. When I sell them will the Cap Gains be Ordinary Income rates ? as in say selling Total Bond Index VBTLX ( or 15% as in selling a Stock Fund as it is in a Taxable Fund ) I think probably like selling any other Bond Fund...

I find our Asset Allocation going up to 66/37, the intended AA being 50-55/45/5. This is in spite of having Muni Funds & short Term Bond Funds in Taxable accounts 1)The high Stock returns, 2)Roth Conversions from Bonds to Stocks, in trying to decrease the RMDs are some of the reasons I could...