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This seems like solid advice. I am just looking for relative safety with some possibility for growth. I guess I just need more confidence in what I do know or have learned. Very helpful.

This is the level of investment help I would be willing to pay for, 1% seemed like a lot for my level of savings. I will check out their PAS account services also. I was good at what I did for 41 years but handling money was not. Sorry to say. Thanks.

Exactly the info I am looking for. Thank you. I do realize the phone backup and certainly don't hold that against them. I guess I need more patience. I certainly have the time now. :laugh: I stopped work in September but luckily still paid until years end. So wanted to keep company match as long...

Self directed meaning you selected your own investments and allocation? That is what I am foggy on. I have read the Fool's articles on 3 fund portfolio's. They somewhat make sense to me but that seems to simple.

I have so many funds (I changed funds for a period and only designated future contributions to those new funds) so I probably do. I will check on that. I do not believe my 401K allows for withdrawals if that is what you mean.

First of all I have been lurking since 2010 and have read a ton of situations of people entering retirement. Unfortunately I did not retire early but at 66 it is happening now. I will be officially retired in 2 weeks (after 41 years at same job) and need to put my 401K somewhere. As much as I...

They were just funded for us. As far as lifestyle in retirement I'll have a better idea as soon as I get used to this present lifestyle reduction...lol

Great info. I'm starting to feel like I have some sort of plan. Not to wear out my welcome to soon but my wife and I were gifted IRA's 20 yrs ago(never contributed anymore) they both are around 15K each. Would it be possible to roll those over into a Roth or would the tax be more than if I kept...

A relative actually(free advice :)). Obviously he understood it as much as I did but it's my fault for not doing my own homework. Could I really contribute $24K to a Roth this year if I max my 401K contributions?

Yes, I'm beating myself up everyday for that. Yes my mortgage rate is low (5%) but it was the equity lines that were abused. Thanks for the reply I will check out Firecalc.

It does seem like a great board and thanks for the welcome.

Well I do have approx. 150k of equity left. I got lucky and stepped into my first home prior to a housing boom where I live. Kinda scary thinking what if I lost my job and having to start over. I do think I have left a lot on the table as far as my 401K is concerned. I never bothered to look at...

Did everything wrong, used credit cards poorly, used my home as a bank, spent big money on toys and expensive hobbies. Never thought I would live this long and told myself that for many years (turned 56 yesterday). It is smacking me in the face that I am in trouble but enjoy reading success...