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Old 12-21-2016, 02:18 PM   #61
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Does Vanguard offers any decumulation services? Mutual fund companies and their reps make there money selling funds, not cashing them in.
Not that I've found. I've gone in circles with my VG rep, and told him 'never mind' yesterday. With boomers swelling the ranks of retirees, I would have thought there would be lots of demand for such a service. If you find an i-ORP equivalent from Vanguard, I'd be most interested.
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Old 12-21-2016, 02:32 PM   #62
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There must not be much demand for this type of thing. Maybe most people have no money or think it is so complicated they pay an accountant or someone to do it for them.

For me I don't think I would trust someone to tell me what to do. Likely a coin toss anyway with all the unknowns.

My thinking is to plan on about equal taxable income throughout life regardless of whether I spend it or not. However this might be flawed with the ACA wrinkle.
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Old 12-21-2016, 04:11 PM   #63
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My thinking is to plan on about equal taxable income throughout life regardless of whether I spend it or not. However this might be flawed with the ACA wrinkle.
+1, that's the conclusion I've come to each time I've considered Roth conversions over the past few years. But I'd pay a pro for his/her assessment to be more sure, before it's too late (turning 70).
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Target AA: 50% equity funds / 30% bond funds / 20% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
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