Well,, I had my meeting today. First off, I was very impressed with the NAPFA advisor's presentation. I learned a great deal, more than I expected actually. She covered it all: budget, insurance coverage, estate plan, taxes, tax planning, investments, asset allocation, wow... 2.5 hours of us and our money.....
She advised me to leave our 401(k)'s AA alone for now due to what she thinks will be severe market volatility until at least the election. She did advise me to put all my future 401(k) contributions and employer match into the Vanguard Wellington Fund, which is luckily one of my options. She also advised us to open Roth 401(k)'s, which we haven't done. My bad!
It's still sinking in. Not sure I get to stay in the class of 2017. At best case, I'll probably move to the class of 2018. That's the year DH turns 65, and getting him in Medicare will be critical to the rest of the plan.
We don't have quite enough saved, so if anyone has a couple extra hundred thousand dollars they'd like to send us, let me know.
We're saving like mad for the next few years, and need to discuss our budget going forward. We're debt free, so that helps, and our insurance is also what she would have recommended.
She's also a CPA, and offers a very reasonable rate for doing her retiree planning clients' taxes. I'm probably going to do that, and use her planning services every few years for tweaking and checking on our plan.
I'm very pleased, and am glad to have her input. I'm just the type that needs a second opinion on big stuff like this.
So, that's my story, and I'm sticking to it!