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That's why is good to have a code word or phrase to verify identity of family member(s).

When should they have 2023 earning amounts?

Couldn't find any fees. Did the math on the contributions and the shares bought with the closing price. Check the expense ratios, the performance, the activity, and the stmts. All looks good.

What types of transaction? Contributions and buys?

5403

That's pretty cool that your ole man let's you manage his money. It took me over a year to convince my mom to move money from her bank branch to another institution that pays more than .02% on a MMS. My 2023 was 16.81% on 60/40. I did a portfolio make over and a rebalance the last 2 days. (The...

After 25 years, a new dishwasher and refrigerator.

Yes, I am taking that advise and rebalancing and adding ETFs to the Roth's. Thanks.

Lotus Emira GT4, perhaps?

Yes. I bought the last about a month ago at 4.9% for 5 years.

Why not buy longer term CDs now?

I did just set up a 5-year CD ladder yielding 5%. I'll have to reevaluate as those mature and MMF funds start dropping. I don't think the loss of interest will impact too much. We have 1.5mm now and are adding about 65k a year in contributions.

That's a great question. I forgot that wife will be there before me and that qualified Roth w/d's are not counted as income. We probably could make it to 59.5 but I wouldn't want to deplete those accounts that soon. ACA would have to last to 65, right? I think 30 to 35% is the goal I am...

I never really considered Roth conversions before so I don't know much about them. I should educate myself on that topic. I wish I would started earlier and more aggressive with Roth's. I should have considered the Roth 401k that was available to me.

I'll need access to money that doesn't count as income so I need to keep building up my taxable account. When I retire, I'll need to keep my reported income under 48,000 to take full advantage of ACA subsidies. The taxable account will help with that.

Thanks. Fortunately, my company does offer a pretty good low cost 401k that does support that.

Right now I am 60 stocks, 30 cash, 10 bonds. Looking to maintain that but consolidate funds give or take 5%.

Thanks. I think I was trying to reduce risk in those accounts since they are a small portion of the portfolio and I would need that cash in the early years to reduce reported income. I was trading stocks and ETFs a little in those accounts over the last few years. I could definitely hold more...

Hello. I haven't posted much lately. I've gotten a lot of help here over the years, so I am back. :) I am mid 50's and wife is a little older. I think we are looking to retire in 2-4 years or until w* impleads too much on our personal time. It's already getting to be not fun but the income...

Our score is 150 too, but I have a hard time thinking it's enough. I set the returns to underperform as well and it says we'll end our 30-35 year plan with 1MM+. I feel like LTC is the biggest question mark and there isn't any good LTC insurance that covers enough and doesn't give you a hassle...

Yes, I bought that one through Fidelity this morning.

Fidelity brokered non-callable CDs - 5-Year ladder: 1y - 5.35 2y - 5.10 3y - 4.85 4y - 4.70 5y - 4.65 5y ticked up a little in the last week.

The 3-5 yr rates on Fidelity's brokered non-callable CDs hasn't move in weeks. :(

He lost a few quarters.

Doesn't seem to be on the longer term. I've been waiting to pull the trigger on the 3-5 year ones.