Thanks for the thoughtful replies. Looks like most people think it's not worth the time and $$$, and I get that. I'm trying to do the asset allocation and the investing on my own and I have learned alot from Bogleheads and books on personal finance (Random walk on Wall Street, Ray Lucia's Buckets, Work Less, Live More (Clyatt), Bogleheads Guide, etc.)
I invest mostly in Vanguard low cost funds and Fidelity for our 401Ks. I'm shooting for a 65% Overall Stocks (70% U.S. 30% Int'l (20 % of which is Emerg Mkts)) and 35% Bonds (VG Total Bond in 401Ks & Some VG Reits, VG Intermediate Munis outside 401K). I should be there within the next 2 years, leaning a bit heavy on stocks right now (80% Stocks and 20% Bonds right now). I hate to buy more munis right now, but I need to get to my ideal Asset Allocation. Although it seems stocks are the much better buy right now, I think AA is more important in the long run.
Expenses are conservatively estimated at $80,000 year after retiring. Shooting to retire in the next 24 months. End of 2013 at the latest. DW and I are 43 (soon to be 44).
I expect we will have around $3,000,000 by retirement and the Firecalc looks good. Just getting nervous and before pulling the plug would like to have additional affirmation, I guess. Also, I should have 2 years of expenses put away, so won't have to dip into the 3M until then. The only other wrinkle is about 2M will be outside of 401K and 1M will be stuck in 401K until we are the right age.
Outside of 401K is mostly stocks and munis. 401K is all bonds and a 15% Vanguard Reit fund.
Would appreciate any comments. I think we are about at the finish line, but of course there are no guarantees and doubts continue to make me fret. Thanks!