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I know there are a few people on the forum that have John Hancock's LTC policy, and was just curious to know what people's thoughts are about the new options JH is now giving us. If you have a John Hancock's LTC policy what option did you choose ? Background : JH LTC insurance was offered by...

Appears that Fidelity transferred several of my index fund holdings to new index fund names/symbols with lower expense ratios yesterday 11/2/18. FBIDX -> FXNAX FSEMX -> FSMAX FUSVX -> FXAIX FSIVX -> FSPSX How does Fidelity, Vanguard, etc typically announce these types of changes ?

I started a new job that offers health care benefits starting 6/1/2018. However, my wife and I have been on a ACA plan since January 1, 2018, and receiving a substantial subsidy due to having a no/low income for the past 6 months. We were receiving about $1900 per month towards the premium. Our...

My DW and I decided to leave our FA after about two years, and this week I have been doing some research into moving our portfolios to either Fidelity or Vanguard. I'm learning that our FA is using 'institutional class shares' of funds for our investments, and if we move to Vanguard, most of the...

DW and I are shopping for a new HVAC system (proactively) for the upstairs, which is about 1200sqft. Current HVAC is a 80%, 10-SEER TRANE split system. Furnace and air handler in the attic, A/C unit outside. We live in Cary, NC, home was built in 1998, and has the original HVAC system My DW...

A friend of mine was telling me about book he had read about retirement, that discussed how to be happy in retirement. I've been struggling with what I will do in retirement, (other than playing golf), and wondering if I would be really happy not working. The book is titled "You can Retire...

Greetings, New to the forum and this web site. I did several searches on this subject, but didn't find anything that answered my question. My wife and I will be 55 next year, and plan to quit our regular jobs, to pursue our hobbies, and other interests. We started working with a CFP in...